PNB credit card holders alert: Check new ATM withdrawal, late payment and utility bill charges from November 1

PNB credit card charges will change from November 1, 2026, for Visa and RuPay users. Check revised ATM withdrawal fees, late payment charges, utility bill transaction fees, reward point redemption costs and other important changes affecting cardholders.

The Punjab National Bank (PNB) is going to revise several important charges starting tomorrow, i.e., 1 November, 2026, on its Visa and RuPay credit cards. This makes it vital for eligible PNB credit cardholders to stay informed and plan their use accordingly.

The charges will cover cash withdrawals, late payments, failed payment instructions, reward point redemptions, utility bill payments, and other associated charges. Some of the services that were previously free will incur charges.

This write-up is dedicated towards discussing these changes in detail, so that eligible PNB credit card holders remain better informed and prepared to plan their finances accordingly.

Here are the key changes cardholders should know.