Punjab National Bank
Credit Card

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

Tip: Check Credit Score before applying for a credit card

• 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.

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.

Also Check: CIBIL Score for Credit Card

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.

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

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.

Additional Reading: Online CIBIL Score Check by Pan Number

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

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.

Also Check: CIBIL Full Form