Top 6 Punjab National Bank Credit Cards

Card Name

Annual Fee 

Best For

PNB Global Platinum Credit CardNilTravel
PNB Global Gold CardNilShopping & Lifestyle
PNB Global Classic Credit Card.NilLifestyle
PNB Rupay Platinum CardNilTravel & Cashback
PNB Rupay Select CardNil if the card is used once in a quarter, otherwise Rs. 500Travel & Lifestyle
PNB Wave and Pay Contactless CardNilLifestyle

Features 

The detailed features of PNB Credit Cards are as mentioned in the table below:

Name of the CardFeatures
PNB Global Platinum Credit Card
  • Round-the-clock concierge service which assists in hotel booking, travel ticket booking, special event booking, car booking, flower delivery, etc.
  • Emergency medical support, patient travel arrangement and emergency roadside repair assistance is also available.
  • Various mercantile offers come as an added benefit.
  • Platinum Credit Cardholders get priority customer care service.
  • Platinum card holders get an annual credit card statement.
PNB Global Gold Credit Card
  • This card can be used for just about anything like shopping, dining, railway ticket booking, refueling, utility bill payment etc. It is basically an all- purpose card.
  • You can get up to 2 add-on cards for your family members.
  • If you report the loss/theft of your card within 24 hours, any transaction on the card after the reporting will not be billed to you. You will have no liability for such transactions.
  • This card is widely accepted across the country and worldwide. Around 3,80,000 merchant establishments in India and 29 million merchant establishments across the globe accept the card and you have access over 30,000 ATMs across the country and 1 million Visa ATMs across the globe.
  • You can also pay your utility bills using this card.
PNB Global Classic Card
  • This card is widely accepted across the country and worldwide. Around 3,80,000 merchant establishments in India and 29 million merchant establishments across the globe accept the card and you have access over 30,000 ATMs across the country and 1 million Visa ATMs across the globe.
  • You can get up to 2 add-on cards for your family members.
  • This card can be used for just about anything like shopping, dining, railway ticket booking, refueling, utility bill payment etc. It is basically a card that can be used for all purposes.
  •  If you report the loss/theft of your card within 24 hours, any transaction on the card after the reporting will not be billed to you. You will not be liable for such transactions
  • You can also pay your utility bills using this card.
PNB Rupay Platinum Card
  • A facility of comprehensive insurance cover
  • Cashback offers at restaurants, eateries and for payment of utility bills.
  • Round-the-clock concierge services to assist you with hotel bookings, flower and gift delivery, travel ticket booking, car booking, movie ticket, bookings for special events etc.
  • PNB has a tie-up with over 300+ popular brands who give special offers on transactions made with the card.
PNB Rupay Select Card
  • Complimentary international and domestic lounge access is available.
  • Round-the-clock concierge services to assist you with hotel bookings, flower and gift delivery, travel ticket booking, car booking, movie ticket, bookings for special events etc.
  • PNB has a tie-up with over 300+ popular brands who give special offers on transactions made with the card.
  • A facility of comprehensive insurance cover
  • Cashback offers at restaurants, eateries and for payment of utility bills.
PNB Wave and Pay Credit Card
  • Wherever the contactless POS machine is available you can just wave the card and make the payment.
  • Contactless payment can be made for any payment up to Rs. 2000. For a payment beyond this amount you have to swipe the card and enter the pin like any other regular card payment.
  • If a contactless POS machine is not available you can still make payment with the card by swiping the card.
  • A maximum amount of Rs. 6000 in a day can be paid through the card without using the pin.
  • Beyond Rs. 6000 pin has to be entered for making the payment.

Benefits

  • Rewards Program: Earn while you spend is the motto and the most attractive feature of PNB cards. Every spend has a reward point which can be redeemed for attractive gifts and vouchers.
  • Global Acceptance: The worldwide acceptance of the card is a one-up feature of the card.
  • Wide Network: There are over 30000 ATMs that can be accessed with the card and almost 4,00,000 merchant establishments accepting the card in India.
  • Interest-free period: An interest-free period from 20 to 50 days is given for the outstanding balance on the card. This facility is available only if the entire outstanding bill of the previous statement is paid. This facility is not available where the revolving facility is opted for. The balance after paying the minimum balance due will attract interest for the overdue period.
  • Auto-pay facility: An auto-debit facility is available for payment of the credit card dues so that no payment is missed on the due date.
  • Add-on card: Add-on card facility for your family members is available.
  • Lost card liability: In case of loss/theft of the card, the transactions made on the card after reporting the loss of the card will not be billed and the cardholder is not liable for such transactions.
  • Balance Transfer: The balance transfer facility enables the transfer of outstanding balance on other banks card to PNB credit card at a lower rate interest and can be paid in easy instalments.
  • EMI facility: There is a facility to convert big-ticket purchases into EMI and paid in easy instalments. The rate of interest charged is also very competitive for such conversions.
  • Revolving credit: The revolving credit facility is available which enables payment of a minimum amount of the outstanding balance on the card on the due date. The balance outstanding will be added to the next billing statement.
  • Concierge facility: Dedicated concierge service is available which assists hotel bookings, travel ticket bookings, car bookings, movie ticket bookings, bookings for special events, delivery of flowers etc.
  • Fuel surcharge: Waiver of fuel surcharge for transactions made at any fuel station across the country.

Apply Instant for PNB Personal Loan.

Eligibility

Following are the PNB Credit Card eligibility criteria that the applicant has to satisfy:

  • The applicant should be in the age group between 21 to 65 years for a primary card and between 18 years to 65 years for add-on cards.
  • Salaried individuals, self-employed individuals/professionals, businessmen, and corporates are eligible for the card.
  • To apply for PNB credit cards there is a minimum income criterion to comply with. For a Classic Card, the minimum income for both salaried and the self -employed should be Rs. 1 lakh, for a Gold card the minimum income should be Rs. 2.5 lakhs and for a platinum card the minimum income should be Rs. 5 lakhs.

Documents

The following documents are required to apply for PNB Credit Card.

  • Proof of Identity such as Aadhar Card, Voter?s ID Card, Pass Port, Driving Licence and PAN Card.
  • Address Proof such as Aadhar Card, Passport, Driving Licence, Utility bills, Rental Agreement, Credit Card Statement/ Pass sheet of other banks not older than 3 months.
  • Income Proof such as IT Returns, form 16 and the latest Salary Slips. Self-employed professionals/individuals and businessmen should submit the business financial statements like the balance sheet and the profit and loss account statement.

Fee & Charges

The details of PNB Credit Card Charges are as given below:

Name of the ChargeAmount
Joining Fees
  • Rs. 500 for PNB Global Platinum Credit Card, PNB Rupay Select Card, and Add-on cards
  • Rs. 300 for PNB Global Gold Credit Card
  • Nil for other cards
Annual Fees
  • Nil for PNB Rupay Select Card if the card is used once in a quarter, otherwise Rs. 500.
  • Nil for other cards
Interest2.45% p.m. of the outstanding amount and for cards against fixed deposit 1.50% p.m. (Interest-Free period 20 to 50 days).
Bounce chargesRs. 100 per instance

Balance Transfer: How to Use the BT Feature and What are the Benefits?

The balance transfer facility enables the transfer of outstanding balance on other banks card to PNB credit card at a lower rate interest and can be paid in easy instalments.

The processing charges PNB credit card balance transfer facility is 1% of the total balance amount to be transferred or Rs. 199, whichever is higher. The minimum transfer amount should be Rs. 2,000 and the maximum should be 90% of the credit card limit.

To avail of this facility, Punjab National Bank credit cardholders can download the balance transfer application form from the website of PNB cards. Also, the primary cardholder has to submit their latest statements of the other card for which the balance transfer is required.

Punjab National Bank Credit Card Reward Points

The details of PNB Credit Card Rewards are explained in the table below:

Name of the CardReward Points
PNB Global Platinum Credit Card2 reward points on every Rs. 150 spend on retail purchases.
PNB Global Gold Credit CardYou earn 1 reward point for every Rs. 100 spent on the card for all purchases.
PNB Global Classic Credit CardYou earn 1 reward point for every Rs. 100 spent on the card for all purchases.
PNB Rupay Platinum CardOver 300 bonus points on the first usage of the card
PNB Rupay Select Card
  • Over 300 bonus points on the first usage of the card.
  • 2X reward points on retail purchases

Bill Payment Options for Punjab National Bank Credit Card

You can make the PNB Credit Card Payment by various methods.

  • You can opt for an auto-debit wherein your bank account will be debited for the amount due on the due date thus enabling regular payments. By doing this, you will not miss any bill payment which will in turn improve your credit score.
  • You can make the bill payment through the bill desk webpage of the bank. You will have to give the card number and the amount. Thereafter you will be directed to the online payment portal of the bank and with your net banking ID and password you can complete the transaction. You will be provided with a reference number for the transaction.
  • If you do not have an account at the bank you can still make the payment by accessing internet banking facility of the bank where you have an account. The payment will be through NEFT or RTGS.
  • You can make payment of the credit card by transferring the amount from your bank account to the credit card through ATM.
  • You can also make payment through cash at any of the PNB branches.
  • Payment through cheque is one of the accepted methods.

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PNB Credit Cards FAQs

✅ What is the procedure to track the PNB Credit Card Application Status?

  • You can call the toll-free number 1800-180-2345 to track the application status or call the customer care number 0120-4616200. If you need more information about the application status then you can send a mail to the email id creditcardpnb@pnb.co.in. You will get a reply within 1 or 2 days.
  • You can visit the official website of the bank and select the credit card option. Thereafter you will have to either provide the application number or form number and click to submit. You will get the status details immediately.
  • You can also send an SMS <K CCAPP> to 5676788 or 9971056767 to get the necessary information.

✅ What is the time span for processing of PNB Credit Card application?

Normally the processing time taken for the Credit Card application is 21 working days.

✅ What is the procedure to register for PNB Credit Card net banking?

You can register for PNB Credit Card net banking by accessing the bank’s official website. You will get a user ID and a password with which you can access your credit card account 24 x 7 to get to know the details of your transactions.

✅ What is the procedure to redeem the reward points of PNB Credit Card?

  • You should have a minimum of 500 points to redeem it into Inter Miles.
  • You have to call the PNB customer care and place a request for the redemption.
  • Once the request is placed, download the redemption request form, complete the form and send it to PNB Credit Card Processing Centre, A 37 Sector 60 Noida (U. P.)
  • The redeemed points will be credited to your JP Account within 15 days.

✅ Can cash be withdrawn with PNB Credit Card?

You can withdraw cash up to 30% of your credit limit. A fee of Rs. 50 to Rs. 100 will be charged per transaction apart from the cash advance charges of 2.5% of the transaction amount.

✅ How many add-on cards can be availed?

A maximum of 2 add-on cards will be provided for your family members.

✅ What are the ways to check the outstanding balance on PNB Credit Card?

You can register for PNB Credit Card net banking facility and have access to your credit card details round-the-clock. You can also call the customer care helpline and get the required information. PNB also provides SMS alerts facility for every transaction on the card wherein you will get the real-time outstanding balance on your card.