PNB Global Gold Credit Card

The Punjab National Bank presents the PNB Global Gold Credit Card, an introductory-level credit card with no joining fee. Experience rewarding transactions with 1 Reward Point for every Rs. 100 spent, plus extra points for E-bill usage. Redeem your accumulated points for a variety of products. Enjoy entertainment perks, including a 20% discount on ZEE5 subscriptions.

Key Highlights of PNB Global Gold Credit Card

Unlock unparalleled benefits with the PNB Global Gold Credit Card.

  1. Earn 1 Reward Point for every Rs. 100 spent on retail transactions.
  2. No joining fee for the PNB Global Gold Credit Card.
  3. Easily redeem your accumulated Reward Points.
  4. Get extra Reward Points upon successful E-bill registration.
  5. Enjoy a 20% discount on ZEE5 subscription.
  6. Avail a 1% waiver on fuel surcharge.
  7. Benefit from zero liability protection.
  8. Access 24X7 concierge services for your convenience.

Features and Benefits of PNB Global Gold Credit Card

The PNB Global Gold Credit Card offers several features and benefits:

1. Global Acceptance:

  • PNB Global Gold Credit Card is universally accepted, usable at ATMs worldwide, and valid for transactions at any global merchant outlet.

2. Versatile Use:

  • Ideal for shopping, dining, and travel, the card serves various purposes, adapting to the diverse lifestyle needs of its users.

3. Rewarding Transactions:

  • Earn 1 reward point for every Rs.100 spent, allowing cardholders to redeem points for attractive offers within the bank’s rewards program.

4. Customer Support 24/7:

  • Enjoy round-the-clock customer support for any queries related to the PNB Global Gold Credit Card, ensuring assistance whenever needed.

5. Balance Transfer Advantage:

  • Avail the balance transfer facility at low interest rates, enabling the seamless transfer of outstanding balances from other credit cards to the PNB Global Gold Credit Card.

6. EMI Convenience:

  • For transactions exceeding Rs.2500, cardholders can opt for the EMI facility, requesting it within 10 days of purchase and repaying the sum in convenient monthly instalments over 6 months.

PNB Global Gold Credit Card Fees and Charges

Explore the fee structure for the PNB Global Gold Credit Card and discover the financial advantages that come with it.

  1. Joining Fee: Rs.300
  2. Fees for Renewal: Nil
  3. Annual Fees for Add-on Card: Nil
  4. Fees for Add-on Card: Nil
  5. Annual Fees: Rs.300
  6. Cash Advance Transaction (PNB Bank ATMs): Rs.50 or 2% of withdrawn amount (higher value)
  7. Interest Rate (Cash Advance, Revolving Credit, Overdue): 2.45% per month
  8. Cash Advance Transaction (Overseas): Rs.150 or 2% of withdrawn amount (higher value)
  9. APR on Revolving Credit: 29.81% per annum

Eligibility Criteria for PNB Global Gold Credit Card

Here are essential criteria for applying for an PNB Global Gold Credit Card:

1. Account Holder Requirement:

  • Applicants for the PNB Global Gold Credit Card must hold a PNB account for at least 6 months prior to application.

2. Age Criteria:

  • Primary credit card applicants must be between 21 and 65 years old, while add-on card applicants must be at least 18 years old.

3. Income Eligibility for Salaried Individuals:

  • Salaried individuals need a minimum annual income of Rs. 2.5 lakhs to qualify for the PNB Global Gold Credit Card.

4. Income Eligibility for Self-Employed Individuals:

  • Self-employed applicants must demonstrate a minimum annual income of Rs. 2 lakhs to be eligible for this credit card.

5. Residency Requirement:

  • Applicants must be either a resident of India or employed within the state limits where PNB bank branches are located.

Documents Required for PNB Global Gold Credit Card

To apply for the PNB Global Gold Credit Card, you will typically need to provide the following documents:

1. Residential Proof Options:

  • Ration Card
  • Utility Bills
  • Voter ID Card

2. Identity Proof Options:

  • Driving Licence
  • Passport
  • PAN Card
  • Voter ID Card
  • Aadhar Card

3. Income Proof for Salaried Individuals:

  • Salary Certificate
  • Salary Slip
  • Form 16

4. Income Proof for Self-Employed Individuals:

  • PAN Card
  • Income Tax Return (ITR)
  • Form 60/61

How to apply for PNB Global Gold Credit Card

Follow these steps to apply for the PNB Global Gold Credit Card online or offline:

  1. Apply for PNB Global Gold Credit Card at your nearest branch or online.
  2. Visit the branch to fill out the application form.
  3. Alternatively, download the application from https://www.pnbcard.in/.
  4. Enjoy the convenience of choosing your preferred application method.

Frequently Asked Questions (FAQs)

1. What is the PNB Global Gold Credit Card?

The PNB Global Gold Credit Card is a premium credit card offered by Punjab National Bank (PNB) with a range of features and benefits designed for global travelers and individuals seeking exclusive privileges.

2. How can I apply for the PNB Global Gold Credit Card?

You can apply for the PNB Global Gold Credit Card by visiting the official PNB website or by visiting a PNB branch. The application process typically involves filling out an application form and providing necessary documents.

3. What are the eligibility criteria for the PNB Global Gold Credit Card?

Eligibility criteria may vary, but generally, applicants should meet age requirements, have a stable source of income, and a good credit score. Specific criteria can be obtained from PNB’s official website or customer service.

4. What are the key features of the PNB Global Gold Credit Card?

The PNB Global Gold Credit Card offers features such as international acceptance, rewards program, travel benefits, concierge services, and more. Details on features can be found in the card’s terms and conditions.

5. How does the rewards program work?

The rewards program allows cardholders to earn points for every transaction made using the PNB Global Gold Credit Card. These points can be redeemed for various rewards, including travel vouchers, merchandise, and more.

6. Are there any foreign transaction fees with the PNB Global Gold Credit Card?

Information on foreign transaction fees can be found in the card’s terms and conditions. Typically, credit cards may have a foreign currency transaction fee for transactions made in currencies other than the card’s default currency.

7. What kind of travel benefits does the PNB Global Gold Credit Card offer?

The PNB Global Gold Credit Card may offer travel benefits such as airport lounge access, travel insurance coverage, and discounts on hotels and airlines. Specific details can be obtained from the card’s terms and conditions.

8. How can I check my PNB Global Gold Credit Card balance?

Cardholders can check their credit card balance through PNB’s online banking portal, mobile app, or by contacting the customer service hotline. Monthly statements are also sent to the cardholder’s registered email address.

9. Is there a grace period for bill payments?

Details about the grace period and billing cycle can be found in the credit card statement. Typically, credit cards offer a grace period during which no interest is charged on the outstanding amount if the full payment is made by the due date.

10. What should I do if my PNB Global Gold Credit Card is lost or stolen?

In case of loss or theft, immediately contact PNB’s customer service hotline to report the incident. The card will be blocked to prevent unauthorized transactions, and a replacement card may be issued.