PNB Credit Card Application - How To Apply for a PNB Credit Card?

Punjab National Bank (PNB) is one of the reputed financial institutions in the country, headquartered in New Delhi. The bank provides significant services and products to its customers, including credit card services. It offers around eight types of credit cards to its customers, which includes various privileges and features.

If you would like to apply for a PNB credit card, you need to be aware of the eligibility criteria and application process. Keep reading to learn more about the PNB credit card apply process, its benefits and much more.

PNB Credit Card Benefits 

Punjab National Bank credit cards come with exciting rewards and offers that you can redeem by accumulating points on your spending. Apart from these, some of the notable PNB credit card benefits and features include the following:

• Used for All Purpose

The PNB credit cards can be used for shopping, holidaying, eating out, paying fuel bills, and making railway ticket reservations.

• Utility Bill Payment Facility

You can also use the PNB credit cards to pay utility bills, including mobile or telephone bills, gas bills, electricity bills, and other related bills, on time.

• Rewards

You can earn 1 reward point for every Rs. 100 spent from your PNB credit card. You can redeem the accumulated reward points for exciting offers from PNB’s exclusive rewards programme.

• Balance Transfer

PNB credit cards also offer a balance transfer facility to its customers, through which you can transfer the outstanding balance of your credit card to another card. However, the card to which you transfer the balance must be under your name.

• Customer Support Services

PNB credit card users can contact the customer service support team anytime, anywhere. Their support team is present round the clock to resolve your queries and guide you through any problems you may face.

• Add-on Cards

If you are a PNB credit card user (primary card holder), you also get up to two add-ons or supplementary cards for your family members.

PNB Credit Card Eligibility Criteria

You need to fulfil these Punjab National Bank credit card eligibility criteria before applying for a credit card:

• The applicant must be a citizen of India.
• The applicant must be within the age bracket of 21 years to 70 years.
• The applicant must have a minimum regular income of Rs. 2.5 lakh per annum.

Please note that the income criteria can change depending on the type of PNB credit card you are applying for. It also differs based on the employment type of the applicant (salaried employee or a self-employed professional).

Things To Know Before Applying for a PNB Credit Card

There are a few crucial things that you need to keep in mind before applying for a PNB credit card, which include the following:

• Check all the available credit cards that Punjab National Bank offers according to the income levels of the candidates and choose the one that suits your preferences.
• You can get a maximum of two add-on cards as the primary cardholder only for a spouse, father, mother, daughter and son over 18 years.
• You must check the maximum and minimum limits for the type of PNB credit cards you are opting for.
• You must check all the charges associated with your PNB credit card, including joining charges, monthly charges, annual charges, late payment charges, renewal charges or any other add-on charges.

How to Apply for PNB Credit Cards Online?

You can apply for a PNB credit card online by following a few simple steps, which include the following:

Step 1: Visit the Punjab National Bank website.

Step 2: Navigate to the ‘Apply Card Online’ tab and click on ‘Apply Credit Card Online’.

Step 3: Fill in all the required information in the application, including your income and the mobile number you would like to register.

Step 4: Based on your income, select the type of PNB credit card that best suits your requirements.

Step 5: Enter the OTP that you received.

Step 6: Upload all the required documents and click on ‘Submit’.

How to Apply for PNB Credit Cards Offline?

You can follow the given steps to apply for a Punjab National Bank credit card offline:

Step 1: Download the credit card application form from the Punjab National Bank website. Alternatively, you can visit the nearest PNB branch to collect it.

Step 2: Fill in all the information in the form as required.

Step 3: Attach all the necessary documents to the application form.

Step 4: Submit it to the nearest PNB bank branch.

Once the bank has verified your application, you will get your credit card within 21 days.

Documents Required to Apply for PNB Credit Cards

Given below is the list of documents you will need during your PNB credit card application:

• Address proof (driving licence, voter ID card, passport)
• Identity proof (Aadhaar Card, voter ID card)
• Income proof (salary pay slip, bank statements, Income Tax Return)
• PAN card
• Recent passport-size photographs

PNB Credit Card Application Status

Once you have applied for the PNB credit card, you can track its status by calling the PNB credit card customer care number - 1800 180 2345 or 0120 4616200. You need to provide the customer care executives with the information they ask for to know about the status of your application.

You can even mail them to their official mail ID creditcardpnb@pnb.co.in. However, if you live nearby, you can visit their office or send a letter to - PNB, Credit Card Processing Centre, 3rd Floor, Rajendra Bhawan, Near Metro Station Rajendra Place, New Delhi – 110008.

Fees and Charges of PNB Bank Credit Cards

The joining fees and charges for different types of PNB credit cards are as follows:

PNB bank also charges the following fees on credit cards:

PNB Credit Balance Check

Follow these steps to check your PNB credit card balance:

Step 1: Download the personalised mobile application of PNB.

Step 2: Log in to your account with your credentials.

Step 3: Register your PNB credit card by entering your credit card details.

Step 4: Navigate to the ‘Credit Card’ section, and you will see the balance of your card.

Please note that if you are a PNB credit card holder, you can check your credit card balance in several ways, including through Internet banking, SMS, and mobile applications.

PNB Credit Card – Dos And Don'ts

Credit cards are crucial banking products for a customer since these are directly linked to your bank account. Therefore, you need to follow certain dos and don’ts to handle your credit card properly.

Dos

• Memorise the card PIN and make sure to keep on changing it continually.
• Keep the card in a safe place. However, if you find it missing, you must inform the bank immediately.
• Ensure the credit card has been returned to you after you make a transaction.
• Maintain the caution parameters while making transactions on websites.
• Keep your PIN and login credentials confidential and keep on changing them at least every 30 days.
• Regularly monitor your transaction.

Don'ts

• Do not write your credit card PIN on the card to remember it.
• Do not share your credit card PIN or any details related to your credit card with anyone.
• Do not seek help from strangers while operating your credit card.
• Do not use your credit card for transactions related to lottery or gambling.
• Do not sign any incomplete charge slip.
• Do not bend your credit card.
• Do not surrender your credit card to anyone, not even your family members.
• Do not leave your credit card details anywhere or in an unprotected area.
• Do not use your credit card on shared computers.
• Do not click or open any links or sites other than www.pnbindia.in and www.pnbcard.in to access your online credit card.

If you are a PNB customer, you can conveniently apply for a PNB credit card, which has several benefits associated with it. Also, remember to proceed with the credit card application procedure after considering the dos and don’ts of the process.

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