Punjab National Bank Credit Card

Punjab National Bank Credit Card

PNB (Punjab National Bank) is one of the top banking and financial institution in India, known for offering highly secure and smart banking facility for all existing and new customers. In 1894, PNB came into existence after its foundation laid by the respective authorities. If we go through statics, currently PNB is offering services through its more than 6400 branches and more than 8000 ATMs across the country along with that serving more than 82 million customers. As Punjab National Bank is known for offering services for PNB personal loan, PNB Housing Loan, PNB finance, PNB agriculture, PNB corporate banking service, social and international service.


Types of Punjab National Bank Credit Card

1. PNB RuPay Select Card:

This PNB card allows the users to earn huge cash backs and special discounts on every purchase. Besides this, the card also comes with complimentary insurance benefits for the primary cardholder.

Key highlights:

• Use the card atleast once in a quarter and get the annual fee waived off.
• Earn 300+ reward points on first purchase using the card.
• Earn 2X reward points on spending at retail merchants.
• Get complimentary access to domestic and international airport lounges.
• Exclusive cash back offers on PNB credit card payment, dining and utility bills.
• Get lucrative offers from over 300+ leading merchants.

2. PNB RuPay Platinum Credit Card:

This PNB card offers a host of lucrative privileges and PNB rewards to the cardholders to enhance their shopping experience. Credit card users can swipe the card across online and offline merchants and earn great reward points on every card swipe.

Key highlights:

• Swipe the card at least once in a quarter and get the joining fee or annual fee waived off.
• Get complimentary insurance coverage benefits.
• 24*7 concierge services.
• Exclusive reward points and cash back offers on dining and shopping.
• Discount offers from more than 300+ outlets.

3. PNB Global Gold Card:

Punjab National Bank global gold credit card is a versatile card that comes packed with a range of offers and privileges. PNB credit cardholders can enjoy shopping and meanwhile can earn exciting rewards on every purchase.


Key highlights:

• Cardholders will earn 1 reward point on every spent of Rs.100.
• Get liability cover against fraud or theft of credit cards.
• Redeem the accumulated reward points against a range of attractive vouchers and discount coupons from top brands.
• Extend credit card benefits to the family members with add-on card facility.
• Make convenient PNB credit card payment online through dedicated PNB credit card app.

Features of Punjab National Bank (PNB) Credit Card

A. Free Credit Tenure: Free credit tenure facility allow users to save amount imposed on tax and it’s an opportunity to save maximum amount. In most of the cases banks avails free tenure between 20 to 50 days. Users will be eligible to utilize this facility only if they always pay dues on time.

B. Balance Transfer Facility: All existing as well as new users will be able to transfer available outstanding balance into another bank credit card you hold but remember that transferred balance will be available as outstanding balance. Other benefit of this facility is that it will help to handle repayment system with ease.

C. EMI Facility: EMI facility for global credit card user availed by the bank and allows users to perform higher amount based transaction as per need and repayment with card will be allowed by the bank. As per rules of PNB, to perform transaction under this category then initially user request is mandatory and bank allow to perform transaction and make purchase within 10 days of tenure. Bank just charges least possible interest rate on transactions.

D. Add on Cards: Available benefits of PNB global credit card can be shared with family members of credit card holder as bank allow them to share available credit and facilities among their siblings and wife along with parents. Add on card user current age must be more than 18 years.

E. Utility Bill Payment Facility: All users of credit card are eligible to pay main utility bill such as mobile, telephone bill, electricity bill along with gas bill and may will rewards points too.

F. Revolving Credit Facility: Bank offers several repayment options for card users and also offers flexibility in repayment. Under revolving credit facility user need to pay minimum possible amount form remaining outstanding balance and after that remaining amount will be forwarded into next month bill.

G. Customer Support Service: PNB offers respective and vital solution of queries placed by the customers. Customers are free to place their issues related with transaction, redemption of rewards, and transaction limit of specific credit card, outstanding balance related dues, applicable interest rate against performed transactions and other queries with PNB support staffs and they will offer best solution of your respective questions.

H. Train Ticket Booking: Customers will enjoy 2.5% surcharge waiver while booking ticket at ticket counter and 1.5% while booking from irctc portal.


Documents required for

PNB credit card apply online:

If you’re planning for PNB credit card apply, then it is important to understand what documents are required to do the needful. Make sure to keep the following documents ready before clicking on Apply Karoo credit card apply PNB button.

• Two colored passport size photograph
• A copy of identity and address proof (Voter ID card/ Aadhaar card/ Driving License)
• Self attested copy of PAN card or form 16
• Updated bank statement for last 6 months or salary slip for last 3 months

Besides the required documents, make sure that you have a proven relationship with the bank for at least last 6 months. So that the bank can access your creditability while approving your PNB credit card request. Once the application is approved, cardholders can go ahead for PNB credit card login to access the offers and deals on the card.

Rewards Program by Punjab National Bank

Bank offers reward program for customer and if someone spends INR 100 the will earn 2 rewards points and users will be able to redeem their earned rewards points once their count reach to 5000.


Required

Documents for Punjab National Bank (PNB) Credit Card

1. Self attested copy of PAN card along with form 60/61.
2. Documents to prove residential address.
3. Last 6 months salary slip along with ITR filing report.
4. To prove active relationship with bank, account must be active from previous 6 months.
5. Documents to prove identity of individual.


Who is eligible for PNB credit card?

If you want to apply for PNB credit cards, then first know what is the eligibility criteria and who can apply for the PNB credit card.

• An applicant must be a resident of India.
• In order to be eligible for credit card minimum age requirement is 21 years and maximum acceptable age is 65 years. Condition will remain same for add-on card users as well.
• Applicant must have a stable monthly income to apply for PNB credit card online. this will ensure that the credit card payment PNB will be done on time.
• Applicant must have passed high school.
• Applicant must have a good credit score above 700 and stable credit history.