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Card ManagerCatalog reference — not in your portfolio
All fees, rewards, lounges, and milestones below are ready to be cloned into your portfolio with one click.
PNB
entry
•••• •••• •••• 0000
Kiwi
RuPayPunjab National Bank • RuPay• Entry
Annual Fee
Free
Base Reward Rate
0.50%
Foreign Tx Fee
3.5%
Tier
Entry
Joining Fee
Free
Verified
2026-06-07T08:39:39.828Z
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
Only available with paid Kiwi Neon membership (Rs 999 + GST)
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹2,940
Blended 0.47% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
Lifetime free co-branded card (PNB + Kiwi). 1 Kiwi = Rs 0.25. Cashback excludes several merchant categories (agriculture, government, utilities, transportation, etc.). Optional Kiwi Neon membership (Rs 999 + GST) adds 5% cashback on annual spends of Rs 1.5L, 2% on UPI scan & pay, and 3 free annual lounge visits. Available in physical and virtual form.