PNB Credit Card Bill Payment

Punjab National Bank (PNB) offers several convenient methods for making credit card bill payments. Cardholders can choose to make payments through online channels such as PNB’s official website or mobile app, where they can register their credit card and use net banking or debit card details to make payments securely. For those who prefer offline methods, PNB branches also accept credit card payments through cash or cheques.

How to Make your PNB Credit Card Bill Payments Online?

To make your PNB (Punjab National Bank) credit card bill payments online, you have several options. Here’s how you can pay your PNB credit card bill online:

How to pay PNB Credit Card Bill Online using Net Banking

To pay your PNB (Punjab National Bank) credit card bill online using net banking, you can follow these steps:

  1. Access your PNB Net Banking Account by logging in.
    Start by opening your web browser and navigating to the official Punjab National Bank website. Locate the “Net Banking” or “Internet Banking” section and click on it. To access your account, please provide your unique user ID along with your password for authentication. If you haven’t registered for net banking, you’ll need to do so by contacting your bank branch.
  2. Access Credit Card Bill Payment:
    After successfully logging in, you’ll be directed to your net banking dashboard. Look for an option related to credit card services or payments. In most cases, you will find it under the “Payments” or “Cards” section.
  3. Register Your Credit Card:
    If you haven’t registered your PNB credit card for online payments, you will need to do so. This typically involves providing your credit card details and verifying your identity.
  4. Initiate the Payment:
    Once your credit card is registered, you can initiate the payment. Select your credit card account and enter the amount you wish to pay.
  5. Choose Payment Mode:
    Choose the specific bank account you wish to utilize for processing your payment. It should be the account linked to your net banking.
  6. Confirm and Authenticate:
    Review the payment details to ensure accuracy. You may need to enter a One-Time Password (OTP) sent to your registered mobile number or use any other authentication method required by PNB for security purposes.
  7. Complete the Payment:
    Once you’ve confirmed the payment details and completed the authentication process, the payment will be processed, and you will receive a confirmation message. You can typically view the payment confirmation in your transaction history.
  8. Save Receipt:
    It’s a good practice to save or print the payment receipt for your records.

How to pay PNB Credit Card Bill Online using Auto debit

To set up auto-debit for paying your Punjab National Bank credit card bill online, follow these steps:

  1. Access your Punjab National Bank online banking account by logging in:
    Start by logging in to your PNB net banking account using your user ID and password. If you haven’t registered for net banking, you’ll need to do so by visiting your bank branch.
  2. Navigate to Auto Debit Setup:
    After logging in, access your net banking dashboard. Look for an option related to credit card services or payments. In most cases, this can be found under the “Cards” or “Payments” section.
  3. Register Your Credit Card for Auto Debit:
    Select the option to set up an auto debit for your credit card payments. You’ll need to provide details about your credit card, such as the card number, cardholder’s name, and the amount you want to pay automatically each month.
  4. Choose the Source Account:
    Specify the bank account from which the automatic payments will be made. This account should be linked to your PNB net banking.
  5. Set the Payment Frequency:
    Select how often you want the payments to be deducted from your bank account. Most credit card auto-debit options allow you to choose between monthly or full payment options.
  6. Review and Confirm:
    Please double-check all the details you’ve provided to ensure they’re accurate. Make sure you have sufficient funds in the selected bank account to cover your credit card payments each month.
  7. Authorize the Auto Debit:
    Depending on PNB’s procedures, you may need to provide additional authentication, such as an OTP (One-Time Password) sent to your registered mobile number.
  8. Complete the Setup:
    Once you’ve reviewed and confirmed the details and completed any required authentication steps, the auto-debit setup will be complete. You should receive a confirmation message for the auto-debit arrangement.
  9. Monitor Your Payments:
    Keep an eye on your bank statements and credit card statements to ensure that the auto-debit payments are processed correctly each month.

Learn how to settle your PNB credit card dues effortlessly through the Electronic Clearing Service (ECS) online.

To pay your PNB (Punjab National Bank) credit card bill online using the Electronic Clearing Service (ECS), you will need to set up an ECS mandate. Here’s how you can do it:

  1. Contact PNB Customer Service:
    Start by contacting PNB’s customer service or visiting your nearest PNB branch to inquire about setting up an ECS mandate for your credit card bill payment. You’ll receive all the essential forms along with clear instructions to guide you through the process.
  2. Fill Out the ECS Mandate Form:
    Obtain an ECS mandate form from PNB and fill it out completely. The form will require information such as your bank account details, credit card details, and authorization for the ECS mandate.
  3. Attach Required Documents:
    Make sure to attach any documents or proofs requested by PNB, such as a canceled check from the bank account you intend to use for ECS payments.
  4. Submit the Form:
    Submit the filled and signed ECS mandate form, along with any required documents, to your nearest PNB branch. They will process your request.
  5. Verification and Activation:
    PNB will verify the details provided in your ECS mandate form. Once approved, your ECS mandate will be activated.
  6. Ensure Sufficient Funds:
    Ensure that you maintain sufficient funds in the bank account linked to the ECS mandate on the specified payment date. ECS payments will be automatically deducted from this account.
  7. Monitor Your Statements:
    Regularly check your credit card statements to confirm that the ECS payments are being processed correctly and on time.To pay your PNB (Punjab National Bank) credit card bill online using the Electronic Clearing Service (ECS), you will need to set up an ECS mandate. Here’s how you can do it:
  8. Contact PNB Customer Service:
    Start by contacting PNB’s customer service or visiting your nearest PNB branch to inquire about setting up an ECS mandate for your credit card bill payment. They’ll furnish you with the essential documents and assistance.
  9. Fill Out the ECS Mandate Form:
    Obtain an ECS mandate form from PNB and fill it out completely. The form will require information such as your bank account details, credit card details, and authorization for the ECS mandate.
  10. Attach Required Documents:
    Make sure to attach any documents or proofs requested by PNB, such as a canceled check from the bank account you intend to use for ECS payments.
  11. Submit the Form:
    Submit the filled and signed ECS mandate form, along with any required documents, to your nearest PNB branch. They will process your request.
  12. Verification and Activation:
    PNB will verify the details provided in your ECS mandate form. Once approved, your ECS mandate will be activated.
  13. Ensure Sufficient Funds:
    Ensure that you maintain sufficient funds in the bank account linked to the ECS mandate on the specified payment date. ECS payments will be automatically deducted from this account.
  14. Monitor Your Statements:
    Regularly check your credit card statements to confirm that the ECS payments are being processed correctly and on time.

How to pay PNB Credit Card Bill Online using BillDesk

To pay your PNB (Punjab National Bank) credit card bill online using BillDesk, you can follow these steps:

  1. Visit the BillDesk Website:
    Open your web browser and go to the BillDesk website. You can access it by typing “www.billdesk.com” in the address bar.
  2. Select “Credit Card Bill Payment”:
    On the BillDesk homepage, you will typically find a list of various bill payment options. Look for the “Credit Card Bill Payment” option and click on it.
  3. Choose “PNB” as the Biller:
    In the list of credit card billers, select “PNB” or “Punjab National Bank” as the biller. This indicates that you want to pay your PNB credit card bill.
  4. Provide Credit Card Details:
    You will need to enter your PNB credit card details, including your credit card number, name on the card, and the billing amount you wish to pay. Double-check the information to ensure accuracy.
  5. Select Payment Method:
    BillDesk offers various payment methods, including net banking, debit cards, UPI, and more. Choose the payment method that is most convenient for you and follow the on-screen instructions to complete the payment.
  6. Authenticate the Payment:
    Depending on the payment method you selected, you may need to provide additional authentication, such as entering an OTP (One-Time Password) sent to your registered mobile number.
  7. Review and Confirm:
    Before finalizing the payment, review the payment details to ensure accuracy. Once you’re content, go ahead and finalize the payment.
  8. Payment Confirmation:
    After successfully completing the payment, you will receive a payment confirmation message. You might also get a confirmation via email or text message.
  9. Save Receipt:
    It’s a good practice to save or print the payment receipt for your records.
  10. Check Your Credit Card Statement:
    To verify that your payment has been processed correctly, check your PNB credit card statement in a few days to ensure that the payment reflects the correct amount.

How to pay PNB Credit Card Bill Online using NEFT

To pay your PNB (Punjab National Bank) credit card bill online using the National Electronic Funds Transfer (NEFT) method, you can follow these steps:

1. Access your bank’s online banking platform by logging in.
Start by logging in to your bank’s net banking portal using your user ID and password. Ensure that your bank account is linked to your net banking.

2. Add PNB Credit Card as a Beneficiary:
In your net banking account, find the option to add a new beneficiary or payees. Select “Add Payee” or a similar option. You will need to provide details about PNB as the beneficiary. Here are the details you’ll typically need:

  • Beneficiary Name: Punjab National Bank Credit Card (or something similar)
  • Beneficiary Account Number: Your PNB credit card number
  • Beneficiary Bank Name: Punjab National Bank
  • IFSC Code: PNB’s specific IFSC code for credit card payments. You may need to contact PNB customer service or check their website for this code.

3. Verify and Confirm the Beneficiary:
After adding the beneficiary details, your bank may require you to confirm the beneficiary. This may involve verifying the details you entered and confirming that they are accurate.

4. Initiate the NEFT Transaction:
Once the beneficiary is added and confirmed, go to the “Fund Transfer” or “NEFT” section of your net banking. Please choose either “Transfer Funds” or a comparable alternative.

5. Select the Beneficiary (PNB Credit Card):
From the list of beneficiaries, choose the PNB credit card beneficiary that you added in step 2.

6. Enter the Amount and Remarks:
Enter the amount you want to pay towards your PNB credit card bill and any remarks or payment reference that you wish to include.

7. Initiate the NEFT Payment:
Review all the details to ensure accuracy. After confirming, initiate the NEFT payment.

8. Transaction Confirmation:
After the NEFT payment is successfully initiated, a transaction confirmation containing a unique transaction ID will be sent to you. Additionally, you might receive either an email or an SMS confirming the transaction.

9. Check Your PNB Credit Card Statement:
To confirm the proper crediting of your payment, please review your PNB credit card statement within a few days. You should find the payment accurately reflected, showing the correct amount.

How to Make your PNB Credit Card Bill Payments Offline?

To make your PNB (Punjab National Bank) credit card bill payments offline, you have several options.

How to Pay PNB Credit Card Bill Offline Through Cheque/ Demand draft

To pay your PNB (Punjab National Bank) credit card bill offline through a cheque or demand draft, follow these steps:

1. Write a Cheque or Prepare a Demand Draft:
You can write a personal cheque or prepare a demand draft payable to “PNB Credit Card” for the amount you want to pay towards your credit card bill. Make sure to write the correct amount in both numbers and words.

2. Filling Out the Cheque or Demand Draft:
On the cheque or demand draft, provide the following details:

  • The unique identifier for your PNB credit card, typically located on the front side of the card.
  • The name displayed on your credit card.
  • Your contact number (optional, but it can be helpful for reference).
  • Your complete address (optional).
  • Make sure the check or demand draft bears a signature.

3. Visit a PNB Branch:
Take the filled-out cheque or demand draft and visit your nearest Punjab National Bank branch. You can locate the nearest branch using the bank’s website or by calling their customer service.

4. Approach the Bank Counter:
Once at the bank, go to the bank counter and inform the bank staff that you want to make a payment towards your PNB credit card bill using the cheque or demand draft.

5. Submit the Payment:
Hand over the cheque or demand draft to the bank staff. They will process your payment, and you’ll receive a receipt or acknowledgment as proof of payment.

6. Check Your Credit Card Statement:
To ensure that the payment has been credited to your credit card account correctly, check your PNB credit card statement in a few days. Your statement should accurately display the payment made, reflecting the correct amount without any repetition.

7. Keep Records:
It’s important to retain a copy of the cheque or demand draft, as well as the payment receipt or acknowledgment, for your records.

How to Pay PNB Credit Card Bill Offline Through Cash Payment

To settle your Punjab National Bank (PNB) credit card bill using cash offline, adhere to the following procedure:

  1. Visit a PNB Branch:
    Locate your nearest Punjab National Bank branch. You can find branch locations on the bank’s official website or by calling their customer service. Make sure to choose a branch that offers credit card bill payment services.
  2. Carry Sufficient Cash:
    Ensure that you have enough cash on hand to cover the amount you want to pay towards your PNB credit card bill. It’s essential to bring the exact amount or a little extra to cover any potential processing fees.
  3. Approach the Bank Counter:
    When you arrive at the PNB branch, go to the bank counter and inform the bank staff that you wish to make a cash payment towards your PNB credit card bill.
  4. Provide Credit Card Details:
    You may need to provide your PNB credit card number, your name as it appears on the card, and your contact number to the bank staff. This information helps ensure that your payment is credited to the correct account.
  5. Submit the Cash Payment:
    Hand over the cash amount to the bank staff, who will process your payment. They will issue a receipt or acknowledgment as proof of payment.
  6. Check Your Credit Card Statement:
    To confirm that the payment has been successfully credited to your PNB credit card account, check your credit card statement within a few days. Your statement ought to accurately display the payment amount without any duplication.
  7. Retain Receipts:
    Keep the payment receipt or acknowledgment for your records. It serves as evidence of your payment in case of any discrepancies.