Punjab National Bank (PNB) is a leading financial institution in India, headquartered in New Delhi. Known for its comprehensive banking services, PNB credit cards offer a range of benefits, making them an excellent choice for various financial needs. Whether you're looking for reward points, cashback, travel perks, or easy balance transfers, PNB has a credit card to suit your lifestyle.
Why Choose PNB Credit Cards?
PNB provides eight different types of credit cards, each designed with unique features and privileges. Whether you're a frequent traveler, a shopaholic, or someone looking to save on fuel and utility bills, PNB credit cards offer exciting rewards and exclusive discounts.
Key Benefits of PNB Credit Cards
1. Multiple Spending Categories
Use your PNB credit card for shopping, dining, fuel payments, travel bookings, and more. These cards are designed to enhance your spending experience with reward points and exclusive offers.
2. Reward Points on Every Transaction
Earn 1 reward point for every ₹100 spent using your PNB credit card. Redeem accumulated points for discounts, travel vouchers, and exclusive deals under PNB’s rewards program.
3. Easy Utility Bill Payments
Pay your electricity, gas, water, and mobile bills effortlessly using your PNB credit card. This ensures timely payments and helps you avoid late fees.
4. Balance Transfer Facility
Transfer outstanding balances from other credit cards to your PNB credit card at attractive interest rates, helping you manage debt efficiently.
5. Round-the-Clock Customer Support
PNB credit cardholders get access to 24/7 customer service to resolve queries, report lost/stolen cards, or seek assistance with transactions.
6. Add-on Credit Cards
Get up to two supplementary credit cards for family members, including your spouse, parents, or children (above 18 years old).
PNB Credit Card Eligibility Criteria
To apply for a PNB credit card, you need to meet the following requirements:
- Must be an Indian citizen.
- Age should be between 21 to 70 years.
- A minimum annual income of ₹2.5 lakh (varies by card type and employment status).
Note: The eligibility criteria may differ based on the specific PNB credit card you choose.
Things to Consider Before Applying for a PNB Credit Card
Before proceeding with your PNB credit card application, ensure that you:
- Choose the right card based on your income level and spending habits.
- Review the credit limit offered for different PNB credit cards.
- Check all associated fees and charges, including annual fees, renewal fees, and late payment penalties.
How to Apply for a PNB Credit Card?
1. Apply for PNB Credit Card Online
Follow these simple steps to apply online:
- Visit the official Punjab National Bank website.
- Click on ‘Apply Credit Card Online’ under the credit card section.
- Fill in the application form with personal details, income information, and contact details.
- Choose the PNB credit card that best suits your needs.
- Enter the OTP received on your mobile for verification.
- Upload the required documents and submit the application.
2. Apply for PNB Credit Card Offline
To apply offline:
- Download the PNB credit card application form from the website or visit a PNB branch.
- Fill in the required details and attach supporting documents.
- Submit the application at the nearest PNB branch.
- Once verified, you will receive your PNB credit card within 21 days.
Documents Required for PNB Credit Card Application
You need to submit the following documents:
- Identity Proof – Aadhaar Card, Voter ID, Passport.
- Address Proof – Driving License, Voter ID, Passport.
- Income Proof – Salary slips, Bank statements, ITR documents.
- PAN Card.
- Recent Passport-Size Photographs.
Track Your PNB Credit Card Application Status
After applying, you can check your PNB credit card application status through:
- PNB Credit Card Customer Care – Call 1800 180 2345 or 0120 4616200.
- Email – Contact creditcardpnb@pnb.co.in.
- Visit PNB Branch – Drop by the nearest PNB Credit Card Processing Centre.
PNB Credit Card Fees & Charges
Different PNB credit cards have varying joining fees, annual fees, and renewal charges. Here’s a quick look at the key charges:
| Credit Card Type | Joining Fee | Annual Fee | Waiver Criteria |
|---|---|---|---|
| PNB Visa Signature | ₹1,500 | ₹2,000 | Spend ₹3 lakh in a year |
| PNB Rupay Millennial | ₹399 | ₹999 | Spend ₹1 lakh in a year |
| PNB RuPay Platinum | ₹0 | ₹500 | NIL if used once per quarter |
| PNB Patanjali RuPay Select | ₹500 | ₹750 | NIL if used once per quarter |
Other Fees & Charges:
- Cash Withdrawal Fees: ₹100 - ₹300 (varies by card type).
- Late Payment Charges: ₹200 - ₹750 based on outstanding balance.
- Foreign Transaction Fee: 3.5% of the transaction value.
- Over-Limit Charges: 2.5% of the over-limit amount (minimum ₹500).
How to Check PNB Credit Card Balance?
Monitor your PNB credit card balance through:
- PNB Mobile App – Log in and check your balance.
- Internet Banking – Access your PNB account online.
- SMS Banking – Send a request to PNB’s customer support.
PNB Credit Card Dos & Don’ts
Dos:
- Keep your PIN confidential and update it regularly.
- Verify transactions before completing payments.
- Use your PNB credit card safely for online purchases.
- Monitor statements to track spending.
Don’ts:
- Never share your credit card PIN or personal details.
- Avoid clicking on suspicious links claiming to be from PNB.
- Do not exceed your credit limit to avoid penalties.
- Never store credit card details on shared devices.
Final Thoughts
Applying for a PNB credit card is simple and convenient, offering multiple benefits, including reward points, cashback, utility bill payments, and exclusive privileges. Whether you're looking for premium travel benefits or a basic credit card for daily expenses, Punjab National Bank credit cards cater to all financial needs.
Before applying, compare the eligibility criteria, benefits, fees, and offers to choose the right PNB credit card that fits your lifestyle.
