{
  "id": "pnb-signature-credit-card",
  "locale": "en",
  "name": "PNB Signature Credit Card",
  "bank": "PNB",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹2,000 + GST (Joining ₹1,500)",
  "loungeAccess": "8 Complimentary Domestic Airport Lounges/yr (2 per quarter)",
  "rewardsRate": "2 pts / ₹100 on Retail (1.0%) · 24/7 Visa Concierge · 1% Fuel Waiver",
  "bestFor": "High-net-worth PNB banking customers, domestic airport lounges, insurance security & lifestyle concierge",
  "officialLink": "https://pnbcard.in/types9.html",
  "aiVerdict": {
    "score": 4.5,
    "summary": "Its modest reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 1,
  "affiliateId": "pnb-signature-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Punjab National Bank — PNB Signature Credit Card schedule of charges",
    "PNB Cardholder Visa Signature benefit portal"
  ],
  "feeWaiver": "Waived at ₹3,00,000 annual spend",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Retail Rewards",
      "value": "2 pts / ₹100 (1.0% return)"
    },
    {
      "key": "Airport Lounges",
      "value": "8 Domestic / yr (2/qtr)"
    },
    {
      "key": "Insurance Cover",
      "value": "₹50 Lakhs Air Accident"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹3,00,000 / year"
    },
    {
      "key": "Annual Fee",
      "value": "₹2,000 + GST"
    },
    {
      "key": "Fuel Waiver",
      "value": "1% Surcharge Waiver"
    }
  ],
  "earnRates": [
    {
      "category": "All Domestic Retail Spends",
      "rate": "2 pts / ₹100 (1.0%)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 pts (₹1,000 value)"
    },
    {
      "category": "Fuel & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Airport Lounges",
      "multiplier": "8 / year",
      "rate": "2 / quarter",
      "monthlyCap": "2 / qtr",
      "dailyCap": "—",
      "note": "Across Indian airports."
    },
    {
      "channel": "Air Accident Cover",
      "multiplier": "Insurance",
      "rate": "₹50 Lakhs",
      "monthlyCap": "—",
      "dailyCap": "—",
      "note": "Complimentary protection."
    },
    {
      "channel": "Fee Waiver",
      "multiplier": "100%",
      "rate": "₹2,000 Waived",
      "monthlyCap": "1 / year",
      "dailyCap": "—",
      "note": "Waived at ₹3 Lakhs spend."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Vouchers & Flight Bookings",
      "value": "₹0.50 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Catalog Merchandise",
      "value": "₹0.35 / Reward Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": false
    }
  ],
  "exclusions": [
    "Rent payments.",
    "Fuel purchases (1% surcharge waiver on ₹500–₹4,000).",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,500 + GST"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹2,000 + GST (Waived at ₹3 Lakhs spend)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + GST"
    },
    {
      "item": "Finance Charges",
      "value": "2.95% / month (35.4% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹50,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹6.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}