The verdict
A thoughtful wellness-centric card for women professionals and homemakers. Delivering 3X points across essential healthcare and lifestyle categories alongside 4 annual domestic airport lounges for an affordable ₹500 fee, it offers strong recurring value.
Spending ₹8,000/month on health, salons, groceries, and apparel earns 2,880 points/year (~₹720 value). Adding 4 domestic airport lounge visits (~₹4,800), annual health checkup savings (~₹1,500), and ₹50k spend fee waiver delivers over ₹7,620 in net annual value against a ₹500 fee.
Cardholders who do not prioritize wellness and salon spend and want direct flat 5% cashback on general e-commerce should consider SBI Cashback.
✓What works
- +3X reward points (3 points per ₹100 spent) on healthcare, beauty salons, apparel, and dining.
- +1 complimentary domestic airport lounge visit per calendar quarter (4 visits per year).
- +Special discounts on diagnostic tests and annual health checkup packages.
- +300 bonus welcome reward points upon card activation and initial spend.
- +100% annual renewal fee waiver upon spending ₹50,000 in a card anniversary year.
- +1% fuel surcharge waiver on transactions between ₹500 and ₹4,000.
✕What doesn't
- −₹500 + GST joining and renewal fee.
- −3X accelerated categories are subject to monthly bonus point caps.
What it earns
1 PNB Reward Point = ₹0.25 for statement credit or brand shopping vouchers on PNB Rewardz.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Healthcare, Salons, Apparel & Dining (3X) | 3 Points / ₹100 (0.75% value) | Max 1,000 bonus points / month | 3,000 Points (~₹750 value) |
| All Other Domestic Retail Spends | 1 Point / ₹100 (0.25% value) | Uncapped | 1,000 Points (~₹250 value) |
| Fuel Purchases | 0% | Excluded | 0 Points |
Accelerated earn
3X Points on Wellness & Fashion + 4 Domestic Lounges
Earn 3X points on healthcare, salons, and apparel and enjoy 4 domestic lounges per year.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Healthcare, Salons & Spas3 points per ₹100 at pharmacies, hospitals, clinics, salons, and spas. | 3× · 3 Points / ₹100 (0.75%) | 1,000 bonus pts / month | — |
| Fashion Apparel & Dining3 points per ₹100 across clothing stores and restaurants. | 3× · 3 Points / ₹100 (0.75%) | 1,000 bonus pts / month | — |
Redemption options
Redeem points directly on PNB Rewardz portal for brand shopping vouchers or statement credit.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| PNB Rewardz Shopping & VouchersBEST VALUE | ₹0.25 / Reward Point | 500 pts | None | Nil |
| Statement Cash CreditBEST VALUE | ₹0.25 / Reward Point | 1,000 pts | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Healthcare, pharmacies, diagnostic centers, salons, apparel, and dining.
- +Domestic airport lounges (1 per quarter).
- +1% fuel surcharge waiver across India.
✕Excluded Spends & Fee Traps
- −Fuel purchases (eligible for 1% surcharge waiver only).
- −ATM cash withdrawals.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹500 + GST (Includes 300 Welcome Bonus Reward Points) |
| Annual Renewal Fee | ₹500 + GST (Waived on ₹50,000 annual spend) |
| Finance Charges (Interest Rate) | 2.95% per month (35.40% per annum) |
| Foreign Currency Markup | 3.50% + GST |
| Fuel Surcharge Waiver | 1% waiver on ₹500 to ₹4,000 transactions (Max ₹250/month) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Primary Target | Women professionals, salaried executives, entrepreneurs, and homemakers |
| Age Requirement | 21 to 65 years |
| Minimum Monthly Income | ₹20,000+ per month (Salaried or Self-Employed) |
| Credit Score (CIBIL) | 710+ recommended for smooth approval |
Frequently Asked Questions
Does PNB Bliss Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for PNB Bliss Credit Card?
What is the reward rate and point redemption value on PNB Bliss Credit Card?
Which transactions are excluded from earning rewards on PNB Bliss Credit Card?
Who is PNB Bliss Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: PNB Bliss Credit Card
The PNB Bliss Credit Card is Punjab National Bank’s specialized women-centric lifestyle and wellness credit card, offered across both RuPay and Visa networks. Positioned at an accessible annual fee of ₹500 + GST (which is completely waived upon achieving ₹50,000 in eligible retail spending within the previous card anniversary year), the card is purposefully designed to reward the daily healthcare, self-care, shopping, and dining habits of modern women professionals and homemakers.
The standout proposition of the PNB Bliss Credit Card is its accelerated reward structure: cardholders earn 3X reward points (3 points per ₹100 spent, equivalent to a 0.75% valueback) on essential lifestyle categories including pharmacies, diagnostic centers, hospitals, beauty salons, spas, apparel boutiques, and dining establishments. Coupled with 4 complimentary domestic airport lounge visits per year (1 visit per calendar quarter), discounted annual preventive health checkup packages, 300 bonus welcome points, and a 1% fuel surcharge waiver, the PNB Bliss card delivers meaningful, health-conscious value at a modest price point.
Key Privileges and Practical Everyday Benefits
- 3X Accelerated Rewards on Wellness & Apparel: Earn 3 reward points per ₹100 spent (0.75% value) at pharmacies, medical clinics, beauty parlors, salons, apparel stores, and restaurants.
- 4 Complimentary Domestic Airport Lounges: Enjoy 1 complimentary domestic airport lounge visit per calendar quarter (4 visits per year) across major Indian airport hubs.
- Discounted Health & Wellness Checkup Packages: Exclusive concessions on comprehensive annual preventive health checkups and diagnostic tests through partner healthcare networks.
- Accessible ₹50,000 Annual Fee Waiver: Spend ₹50,000 or more in retail transactions within a card anniversary year to have the ₹500 renewal fee fully waived.
- Universal Fuel Surcharge Waiver: Save with a 1% fuel surcharge waiver on all fuel purchases between ₹500 and ₹4,000 at petrol stations nationwide.
Important Terms and Spend Conditions to Keep in Mind
- Monthly Bonus Reward Cap: The 3X accelerated reward tier is capped at a maximum of 1,000 bonus points per billing cycle, after which spends accrue at the base rate of 1 point per ₹100.
- Quarterly Domestic Lounge Limit: Domestic lounge access is allocated strictly as 1 complimentary visit per calendar quarter and cannot be carried forward.
- Base Reward Earn Rate: Non-accelerated domestic retail spending earns 1 reward point per ₹100 spent (0.25% valueback on PNB Rewardz redemptions at ₹0.25 per point).
- Excluded Spend Categories: Fuel purchases, ATM cash withdrawals, and wallet reloads do not earn reward points.
- Foreign Currency Markup: International expenditures outside India incur a standard 3.50% + GST foreign currency markup fee.
Who Benefits Most
- Health & Wellness Conscious Spenders: Women who regularly spend on prescription medications, diagnostic health tests, fitness routines, and salon visits.
- Fashion & Dining Enthusiasts: Shoppers who frequently purchase apparel and dine out, wanting accelerated rewards on both categories.
- Occasional Domestic Flyers: Cardholders seeking dependable domestic airport lounge access (4 visits/year) with an easily achievable ₹50,000 fee waiver threshold.
- Punjab National Bank — PNB Bliss Credit Card official schedule of charges and MITC
- PNB Women's Banking Privilege Program — 3X accelerated wellness rewards, health checkup vouchers & 4 domestic lounge visits
Independent Editorial & Statutory Disclaimers
Institutional Transparency & Nominative Fair Use Statement
CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).