PNB Global Platinum Credit Card

PNB Global Platinum Credit Card from Punjab National Bank offers enticing savings. No joining fee, 2 Reward Points per Rs. 150 spent, and 50 bonus Reward Points for E-bill registration. Redeem points for diverse options like products, hotel bookings, and mobile recharge. Enjoy a 1% fuel surcharge waiver and a 20% ZEE5 subscription discount. Elevate your benefits with this versatile card.

Key Highlights of PNB Global Platinum Credit Card

Unlock unparalleled benefits with the PNB Global Platinum Credit Card.

  1. No enrollment charges.
  2. Earn 2 Reward Points for every Rs. 150 spent with your PNB Global Platinum Credit Card.
  3. Receive an additional 50 Reward Points by enrolling in the E-bill facility.
  4. Enjoy a 1% fuel surcharge waiver.
  5. Renewal fee is eligible for waiver.
  6. Avail a 20% instant discount on ZEE5 subscription.

Features and Benefits of PNB Global Platinum Credit Card

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

1. Annual Fees Waiver:

No annual fees if:

  • Card spending exceeds the credit limit,
  • At least one retail purchase per quarter,
  • Good track record.

2. Joining Fee Refund:

PNB refunds joining fee if:

  • Purchases surpass credit limit in the first six months.

3. Add-on Cards:

  • Get up to two add-on cards for spouse, parents, and children over 18.

4. Platinum Benefits:

  • Priority customer care and merchant offers for PNB Global Platinum Credit Card holders.

5. Credit Card Account Summary:

  • Yearly account statements for easy access to transactions.

6. Worldwide Acceptance:

  • Accepted at 3,80,000+ merchant outlets and 30,000+ ATMs in India.
  • Globally accepted at 29 million outlets and 1 million Visa ATMs.

7. All-purpose Credit Card:

  • Multipurpose usage for shopping, dining, travel, railway tickets, and refueling.

8. Rewards Program:

  • Earn 1 reward point for every Rs 100 spent.
  • Retail transactions get 2 points for every Rs 150 spent.
  • Redeem points for exciting gifts from PNB’s rewards program.

9. Lost Card Liability:

  • Report loss to 24/7 PNB credit card customer care.
  • Lost card liability protection for fraudulent transactions.

10. Utility Bill Payments:

  • Convenient bill payments for mobile/telephone and electricity bills on Visa Bill pay website.

PNB Global Platinum Credit Card Fees and Charges

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

1. Primary Cards: Annual Fees

  • Rs. 500; waived if secured by a fixed deposit.

2. Add-on Cards: Annual Fees

  • Nil

3. Primary Cards: Joining Fees

  • Rs. 500; waived if secured by a fixed deposit.

4. Add-on Cards: Joining Fees

  • Rs. 500; waived if secured by a fixed deposit.

5. Renewal Fees

  • Nil

6. Revolving Credit – Annualized Percentage Rate

  • 29.81% per annum
  • 19.56% per annum for fixed deposit-backed cards.

7. Finance Charges – Interest Rate per Month

  • 2.45% for revolving credit, overdue amounts, and cash withdrawals.
  • 1.5% for fixed deposit-backed cards.

8. Cash Advance Transaction Charges – PNB ATMs

  • 2% of withdrawn amount or Rs. 50 (whichever is higher).

9. Cash Advance Transaction Charges – Other ATMs

  • 2% of withdrawn amount or Rs. 75 (whichever is higher).

10. Cash Advance Transaction Charges – ATMs Overseas

  • 2% of withdrawn amount or Rs. 150 (whichever is higher).

Eligibility Criteria for PNB Global Platinum Credit Card

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

1. Minimum Qualification:

  • Eligibility requires a minimum educational qualification of 10th Standard (Passed).

2. Age Criteria:

  • Primary cardholder age: 21 to 65 years.
  • Add-on cardholders age: 18 to 65 years.

3. Eligible Occupations:

  • Salaried employees, retired Government staff, self-employed professionals, and businessmen meeting income criteria can apply.

4. Residency/Employment:

  • Applicants must either be employed or reside in the city where the PNB branch is located.

5. Banking Relationship:

  • A minimum 6-month banking relationship with a good record is required for all applicants.

Documents Required for PNB Global Platinum Credit Card

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

1. Residence Proof / ID Proof:

  • Submit recent copies of telephone, bank account, and electricity bills (last three months).
  • Provide a letter from a recognized public authority or the applicant’s employer.
  • Present Voter’s ID card, passport, or driving license.

2. Income Proof:

  • Furnish Form 60, IT Returns statement, or a salary certificate.
  • If PAN Card is unavailable, submit Form 60-61 along with a photo ID proof.

How to apply for PNB Global Platinum Credit Card

Follow these steps to apply for the PNB Global Platinum Credit Card:

  1. Prior Relationship: Must have a PNB banking relationship for at least 6 months.
  2. Age Criteria: Applicants should be in the age group of 21-65 years.
  3. Eligible Applicants: Salaried employees, self-employed, retired government officials, or businessmen.
  4. Location Requirement: Must reside or work in the city where the relevant PNB branch is present.

Application Process:

  1. Fill out the PNB Global Platinum Credit Card application form.
  2. Submit required documents: identity proof (PAN Card, Aadhaar, Driver’s license), address proof (Passport, Aadhaar, electricity bill, Voter’s ID Card, etc.), and income proof (Form 16, salary certificate, or IT returns statement).
  3. After submission, undergo verification.
  4. Upon successful verification, the platinum card will be issued to the applicant.

Frequently Asked Questions (FAQs)

1. What is the PNB Global Platinum Credit Card?

The PNB Global Platinum Credit Card is a premium credit card offered by Punjab National Bank (PNB) that provides a range of exclusive benefits, rewards, and privileges for cardholders, both domestically and internationally.

2. How can I apply for a PNB Global Platinum Credit Card?

You can apply for the PNB Global Platinum Credit Card by visiting the official PNB website or by visiting a PNB branch. The application process typically involves submitting the required documents, such as proof of identity, address, and income.

3. What are the key features of the PNB Global Platinum Credit Card?

The PNB Global Platinum Credit Card comes with features such as global acceptance, rewards program, travel benefits, complimentary airport lounge access, and special discounts on dining and lifestyle.

4. What are the eligibility criteria for the PNB Global Platinum Credit Card?

The eligibility criteria for the PNB Global Platinum Credit Card may vary, but generally include factors such as age, income, and creditworthiness. It’s advisable to check the specific eligibility requirements on the PNB website or by contacting the bank directly.

5. What is the credit limit on the PNB Global Platinum Credit Card?

The credit limit on the PNB Global Platinum Credit Card is determined based on various factors, including your income, credit history, and repayment capacity. The assigned credit limit will be communicated to you upon approval of your application.

6. How does the rewards program work for the PNB Global Platinum Credit Card?

The rewards program allows cardholders to earn points for every eligible transaction made using the PNB Global Platinum Credit Card. These points can be redeemed for a variety of rewards, including merchandise, travel, and cashback. Details about the rewards program can be found in the card’s terms and conditions.

7. Is there an annual fee for the PNB Global Platinum Credit Card?

Yes, the PNB Global Platinum Credit Card typically comes with an annual fee. The specific fee amount may vary, and there may be additional charges for supplementary cards, late payments, and other services. It’s recommended to review the fee structure before applying for the card.

8. Can I use the PNB Global Platinum Credit Card internationally?

Yes, the PNB Global Platinum Credit Card is designed for international use. It is widely accepted at merchants and ATMs globally. However, it’s advisable to inform the bank of your travel plans to avoid any issues with international transactions.

9. How do I contact customer support for the PNB Global Platinum Credit Card?

You can contact PNB’s customer support through the dedicated helpline numbers provided on the back of your credit card or through the official PNB website. Additionally, you may visit a PNB branch for in-person assistance.

10. What security features are available with the PNB Global Platinum Credit Card?

The PNB Global Platinum Credit Card comes with security features such as EMV chip technology, PIN-based transactions, and 3D Secure for online transactions. It’s essential to follow best practices for card security, such as keeping your PIN confidential and reporting any lost or stolen cards promptly.