Punjab National Bank Credit Card

A PNB credit card is a financial tool that provides cardholders with convenient payment options, offering the flexibility to make purchases, pay bills, and access credit. These cards often come with various features and benefits, including rewards programs, discounts, and offers at partner merchants, travel benefits, and cashback opportunities. Punjab National Bank credit cards cater to diverse lifestyles and financial needs, offering a range of options designed to enhance the cardholder’s shopping and payment experience.

Features and Benefits of Punjab National Bank Credit Card

Here are the features and benefits of PNB credit cards :

  1. Utility Bill Payment: Pay electricity, gas, mobile, and telephone bills on time using the PNB credit card.
  2. Add-on Cards: Supplementary cards for family members are available.
  3. Railway Ticket Discounts: Enjoy a 2.5% waiver at railway counters and 1.8% at IRCTC websites.
  4. Revolving Credit: Flexible repayment options based on your ability to pay.
  5. Balance Transfer: Transfer outstanding balances to another card in your name.
  6. 24/7 Customer Support: PNB offers round-the clock customer care services for all PNB credit cardholders.
  7. EMI Facility: Easily convert purchases into EMIs.
  8. Concierge Services: Access 24/7 concierge services for travel bookings and reservations.

Punjab National Bank Credit Card Fees and Charges

1. PNB Global Platinum Credit Card

  • Entry Fee: Rs. 500
  • Annual Fee: Rs. 500
  • Renewal Fee: Nil
  • Add-On Card Fee: Rs. 500
  • Interest Rate per Month: 2.45% per month

2. PNB Global Gold Card

  • Entry Fee: Rs. 300
  • Annual Fee: Nil
  • Renewal Fee: Nil
  • Add-On Card Fee: Nil
  • Interest Rate per Month: 2.45% per month

3. PNB Global Classic Credit Card

  • Entry Fee: Nil
  • Annual Fee: Nil
  • Renewal Fee: Nil
  • Add-On Card Fee: Nil
  • Interest Rate per Month: 2.45% per month

Punjab National Bank Credit Card Eligibility Criteria

To qualify for PNB Credit Cards, certain eligibility criteria must be met:

  1. The primary applicant should be at least 23 years old when applying, while add-on cardholders must be a minimum of 18 years.
  2. The applicant must be an Indian citizen.
  3. For self-employed individuals, a minimum annual income of at least Rs.3 lakhs, as evidenced by the last IT returns, is required.
  4. A clean credit history with no apparent negative indicators is a prerequisite for eligibility.

Documents Required for PNB Credit Card

The specific documents required for applying for a Punjab National Bank (PNB) credit card may vary depending on the type of credit card you are applying for and your individual circumstances. However, here is a list of common documents that are typically required when applying for a credit card with PNB:

1. Identity Proof:

  • Aadhar Card
  • Passport
  • Voter ID
  • Driver’s License
  • PAN Card

2. Address Proof:

  • Aadhar Card
  • Passport
  • Voter ID
  • Driver’s License
  • Utility bills (electricity, water, gas, etc.)
  • Rental agreement (if applicable)

3. Income Proof:

  • Salary slips (for salaried individuals)
  • Income tax returns (ITR)
  • Bank statements
  • Form 16 (for salaried individuals)

4. Passport-sized photographs

5. Duly filled credit card application form

6. Additional documents (if applicable):

  • Business proof (for self-employed individuals)
  • Income proof for self-employed individuals (business financial statements)
  • NRI status proof (for non-resident Indians)

How To Apply for PNB Credit Card?

You can apply for a Punjab National Bank (PNB) credit card through various methods, including online and offline channels. Here’s a step-by-step guide on how to apply for a PNB credit card:

1. Online Application:

  • Visit the official Punjab National Bank website.
  • Navigate to the “Credit Cards” section or “Apply for Credit Card” page.
  • Browse through the different credit card options available and choose the one that suits your needs.
  • Click on the selected credit card to access the online application form.
  • Fill out the application form with accurate information, including your personal details, contact information, employment details, and financial information.
  • Review the application form to ensure all the information is correct.
  • Submit the application online.

2. Visit a PNB Branch:

  • Locate the nearest Punjab National Bank branch to you.
  • Visit the branch during working hours.
  • Request an application form for a PNB credit card from a bank representative.
  • Fill out the application form with your personal, financial, and employment details.
  • Attach the required documents (as mentioned in the previous response) to the application form.
  • Submit the completed application form and documents to the bank representative.

3. Contact Customer Service:

  • You can call PNB credit card customer care service to inquire about the credit card application process and request assistance.
  • The customer service representative can guide you through the application process and provide information on the required documents.

4. Application Verification:

  • After you have submitted your application, PNB will review your application and the supporting documents.
  • PNB may conduct a credit check to assess your creditworthiness.
  • If your application is approved, you will receive your credit card at your registered mailing address.

Please note that the approval process may take some time, and the bank will notify you about the status of your application. It’s important to ensure that you meet the bank’s eligibility criteria, including income and credit score requirements, to increase your chances of approval.

Once you receive your PNB credit card, make sure to activate it as per the instructions provided by the bank. Be responsible with your credit card usage and make payments on time to maintain a good credit history.

List of Punjab National Bank Credit Card

  1. PNB Global Platinum Credit Card
  2. PNB Global Gold Credit Card
  3. PNB RuPay Platinum Credit Card
  4. PNB RuPay Select Credit Card
  5. PNB RuPay Platinum Patanjali Credit Card
  6. PNB RuPay Select Patanjali Credit Card
  7. PNB RuPay Millennial Credit Card
  8. PNB Uphaar Credit Card
  9. PNB Rakshak Credit Card
  10. PNB Pride Credit Card
  11. PNB Waves Credit Card
  12. PNB Hero Credit Card
  13. PNB Special Credit Card

Each of these cards may offer different features, benefits, and rewards, catering to specific customer segments. Some common features you can expect from PNB credit cards include reward points, cashback offers, fuel surcharge waivers, and special discounts with partner merchants.