Punjab National Bank credit cards are one of best services provided by Punjab National Bank. Punjab National Bank credit cards offer wide range of rewards for all the transactions made which in turn can be redeemed in the form of vouchers and gifts. This article exhibits the details about PNB credit cards which can be referred before purchasing one. Interested to know more? Keep reading!
Best credit cards in India
List of Punjab National Bank Credit Cards
Punjab National Bank Global Platinum Credit Card -
This credit card comes with multiple privileges to enhance convenience in customers’ lifestyle. Spending money on shopping, travel, dining and entertainment can be a profit when using this card, as you will be earning rewards for each transaction. You can redeem exciting rewards available on the extensive rewards catalogue with additional welcome points. You will be able to avail facilities such as free airport lounge access, air travel accident insurance, and much more. This card also comes with a special concierge service that can be used by the cardholders as a benefit.
Punjab National Bank Global Gold Card -
PNB Global Gold credit card is an international card that comes with multiple purchase benefits and privileges. It can be used for shopping, travelling, dining, etc. and is valid around the globe at merchant outlets that accept VISA as well as in domestic and international ATMs that accept VISA credit cards.
Punjab National Bank Global Classic Credit Card -
With this credit card, customers can enjoy benefits such as zero joining fee, annual fee and renewal fee as well as other benefits offered by Punjab National Bank like interest-free credit period, surcharge waivers on fuel, railway tickets, etc., global validity, and much more. You can also earn rewards every time you spend using this card.
What are the Features and Benefits of Punjab National Bank Credit Cards?
Add On Credit Card: One can take up to 2 free supplementary credit cards for its family members like spouse, parents, children. However for children, the age has to be at least 18 years. This form is available in online portal.
Utility Bill Pay: One can pay all the utility like electricity bills, telephone bills from the official website of the bank.
EMI facility: For any transaction made by the customer which are of higher amount and customer wishes to repay the same in monthly, the bank provides the EMI facility also. The minimum criteria is Rs 2500/- on a single transaction. EMI application form can be downloaded from the website or the customer can call at the helpline number as well or email. The repayment structure is mentioned below:For 6 months – Amount Rs 2500/- - EMI Amount Rs 439/- which includes finance charge
For 6 months – Amount Rs 10000/- - EMI Amount Rs 1756/- which includes finance charge
Processing fee is 2% of transaction amount and finance charge is 1.5% per month and prepayment charge is 3% on outstanding amount. This form is available online.
Balance Transfer facility: At a much lower interest rate, any card holder can transfer the outstanding balance of his other banks credit cards to PNB Global card. Anyone who is a resident of India and is a primary card holder can apply for the same. However, the card should not be over limit or delinquent. The repayment period is 6 months with finance charge is 0.99% and monthly installment of Rs 172 .50/- for every Rs 1000/- . The processing fee is 1% of Balance Transfer amount or Rs 199 whichever is higher.
Free Credit Period: Any PNB Bank credit card holder who has paid the entire outstanding of his credit card balance or on before the due date, is eligible for a minimum of 20 days and maximum of 50 days of credit period which means, there will be no interest that will be charged during this period.
Waiver of Fuel Surcharge: It provides an exclusive feature where the bank waive off the surcharge on fuel when a customer spends Rs. 400 and Rs. 3000 per transaction in any city in India and in any petrol pump.
Revolving Credit Facility: The customer can choose to pay the minimum amount due and the rest of the amount will be adjusted as outstanding which will be added in the next billing cycle.
Purchase of railway tickets: PNB credit card holders can purchase railway tickets with the credit card online as well.
Rewards Program: The card holder can earn one reward point for every Rs. 100 spent using his credit card. Additionally, the reward points can be converted into JPMiles also where 1 JP mile can be added for two reward points. And hence in this way, you can save a lot and book airline ticket as well.
Concierge Services: These are services which are offered to particular card holders who are eligible to get special personalised services like travel booking assistance, reservations for restaurants, passport/ visa support, flower and gifts delivery, emergency medical help etc.
How to Apply for a Punjab National Bank Credit Card?
Customers can apply for a Punjab National Bank credit card through online as well as offline. PNB makes it easy for its customers to avail a credit card from anywhere. Customers can check the credits offered by PNB in their official website and choose which one will be suitable for them. It is not necessary for the customers to visit the branch to know about the different types of credit cards.
For new customers:
- Step 1: Visit the ‘Credit Cards’ page of the Punjab National Bank official website
- Step 2: Enter your personal and contact details
- Step 3: After the verification, a representative from the bank will get in touch with you and guide you through the process
- Step 4: You may have to submit your KYC documents and income proof to get an IDBI Bank credit card
- Step 5: You may also choose to visit the nearby Punjab National Bank branch to apply for a credit card
For existing customers:
- Step 1:You can visit the ‘Credit Cards’ page of the Punjab National Bank official website
- Step 2:Now enter your net banking customer ID and mobile number.
Step 3: You can directly apply online for a credit card of your choice.
Step 4: You can also visit the nearest Punjab National Bank branch to apply for a credit card.
#1. Punjab National Bank Net Banking:
Online banking facilities are offered by Punjab National Bank to its customers for various banking related products and services. You can access net banking services right from their homes or offices. Customers can make online transactions as well as monitor their PNB savings bank account from anywhere, through PNB net. PNB also offers other online services that include online opening of accounts, credit card payments, utility bill payments, etc. Punjab National Bank offers internet banking services to its NRI customers also.
Major Services offered by Punjab National Bank Internet Banking
There are some major services customers can carry out various financial services online, without having to actually visit the bank. Most of these services can be carried out in a matter of a few seconds.
Online Opening Of Accounts:
Fixed Deposit and Recurring Deposit - Fixed deposit and Recurring Deposit accounts can be opened online using PNB internet banking.
Closure of FD Account - Online banking services of PNB can also be used to close an Fixed Deposit account with the bank.
Opening of PPF Account - You can even open a PPF account using the internet banking facilities of Punjab National Bank.
Interbank Fund Transfers: Customers can now use NEFT and RTGS transfer facility, which is available 24/7, even during holidays and Sundays through IMPS using MMID or IFSC.
Utility Bill Payments: PNB customers can pay utility and other bills with comfort with the help of bill payment facility of PNB online. Bill payments for services such as electricity, telephone, mutual fund investments, credit card bills, etc. can be paid using PNB internet banking.
Tax Payments: You can also make your tax payments through the internet banking facility of PNB.
Credit Card Related Payments: Credit card bills can also be paid in few seconds using the internet banking link of Punjab National Bank.
Statement of Account : Customers can view your account statement that displays all your transaction details. The statement of account can be accessed online.
Transaction History: PNB allows online access to your account’s transaction history, so that you will have an idea of the transfers made, funds received or sent, etc.
Nomination Details: Customers can also view nomination details of the account online using PNB online banking service.
Cheque Related Services:
Raising Cheque Book Request: PNB internet banking users can request for a cheque book by simply logging on to the net banking webpage of the bank.
Cheque Status Inquiry: You will be able to find the status of the cheque issued by you through net banking.
Stop Payment of Cheque: You can stop payment of a cheque issued by you, you do not have to visit the branch or make numerous calls. This facility can also be availed online.
Offline Service Requests:
Certain offline service requests can also be made online through the bank’s net banking facility. They are:
- Through PNB internet banking you can even change your credit card limit.
- Through the bank’s website, you can redeem your reward points earned on your credit card.
- Using this facility, PNB customers can also renew their FD accounts as well as break them whenever they want to.
- Using net banking facilities of the bank, E-statement registration can also be done.
- There are various other bank products that can be applied to, through PNB internet banking web page.
How to register for Punjab National Bank net banking?
There are several ways through which PNB customers can register online for PNB Internet Banking. They are:
- Visit Branch: Download Form PNB – 1085 from the internet banking website www.netpnb.com and submit the request at any nearest PNB bank branch.
- Contact Call Centre: You can contact the call centre of PNB to place your request for registering for internet banking.
Call Centre numbers are:
Toll Free Numbers – 1800 103 2222/1800 180 2222
Tolled Number – 0120 2490000
- Register Online: PNB Debit Cardholders can register themselves for internet banking services by visiting the bank’s website www.netpnb.com or through the bank’s corporate website link www.pnbindia.in
Through ATM: Through any of the bank’s ATMs, PNB customers can register for internet banking.
What is the Eligibility Criteria to avail a Punjab National Bank Credit Card?
PNB bank has set an eligibility criteria to its customers to avail a credit card. The applicant should meet the age criteria of the bank since it helps the bank to make an estimate of the earnings of the applicant and his/her repayment capacity. If the applicant has a regular source of income, it will be helpful for the bank to determine the maximum limit of the credit card to be alloted. To obtain a PNB credit card, the applicant must have a decent credit score and no default payments. To apply for a PNB credit card, the following conditions has to be fulfilled:-
The educational qualification requirement for the applicant is that he/she should have at least passed their 10th standard exams to get qualified for a PNB Global credit card.
Age criteria: The applicant should be at least 21 years old and not above 65 years of age, in order to be eligible for this credit card.
The add-on cardholder must at least be 18 years of age or more than 65 years of age.
In case of salaried applicants they must fulfill an income criteria of minimum Rs.1,00,000/- annually for being eligible for a PNB Global Classic credit card and a minimum of Rs. 2, 50, 000/- for being eligible for a PNB Global Gold credit card.
Applicants who are into business or are self-employed/ professionals must also fulfill an income criteria of at least Rs.1,00,000/- as annual income for being eligible for a PNB Global Classic credit card and a minimum of Rs. 2, 00, 000/- as annual income for being eligible for a PNB Global Gold credit card.
The applicant should be a resident of India or must reside within the city limits of the Bank’s branches.
What are the Documents Required to avail a Punjab National Bank Credit Card?
PNB bank requires certain documents from its customers who want to own a PNB credit card in order to make them enjoy all the benefits without any issues. If the customer fails to meet the demands of the bank, then he/she will not be able to avail a PNB bank credit card. The following are the documents which will have to be submitted by the applicant to own a PNB bank credit card:-
Self attested PAN Card copy or Form 60 / 61.
Proof of Residence: The applicant must provide his/her address proof at the time of applying for a PNB Global Credit Card. He/she can submit any of the mentioned documents for this purpose - Telephone Bill, Bank Account Statement, Electricity Bill, Letter from a recognized public authority which is approved by the bank or Letter from bank-recognized employer.
The applicant must have an existing relationship with the Bank which has been prevalent for a minimum of 6 months period at least.
Identity Proof: The applicant should also submit a valid identity proof at the time of applying for the PNB Global credit card. It can be any of the mentioned documents - Passport, Voter’s Identity Card, PAN Card, Company ID Card, Driving License, Letter from a bank-approved recognized public authority or public servant that verifies the applicant’s identity and residence.
Proof of Income: The Salary Certificate, copy of Form 16, IT Returns, or Salary Certificate may be submitted by the applicant as a proof of income.
How to Check Application Status of Punjab National Bank Credit Card?
The application status can be checked easily through online. An alternate way of checking PNB credit card application status can be done by contacting the customer care. Since that is a little painful process for most of the customers, PNB has made it tension free by allowing the customers to check it through online. The user has to visit the official portal of PNB bank. The status can be checked using the following:
- Step 1: The credit card application reference number and application form number: You can visit the official website of the bank, go to the credit cards section of the bank. Provide the details of your application reference number, application form number, mobile number or date of birth and you can view the progress of your credit card application.
- Step 2: Through Mobile number: You need to visit the official website of Punjab National Bank and go the credit cards section. Enter the mobile number that you registered for credit card application. The mobile number will be verified mostly with an OTP. Following the verification, you can see the status of your credit card application.
- Sytep 3: Through AirWay Bill number: Once the card is approved, the applicant will receive a letter with the AirWay bill number of the shipment carrying the credit card. You can track your credit card status by using the AirWay bill number. You can go to the official website of Punjab National Bank and select ‘Track your credit card’. You will now be redirected to another page where you will have to enter your AirWay bill number. You can track your credit card location and when it will reach you for delivery, once the number is verified.
- Step 4: Email query: The customer also can mail his credit card application queries to [email protected] The customer has to mention the application form number in his email. PNB customer care team will revert back with the current status of the credit card application in 1-2 days time once they receive the query.OFFLINE:
- Step 5: Call the toll free number: Customers who want to know the status of their application can straight away call PNB Toll free number - 1800-180-2345. The customer care personnel would ask for application number and other related information to verify. On providing necessary information, customer care will be able to inform you about the credit card application status.
- Step 6: Call on customer care number: The applicant can also call PNB customer care number 0120-4616200. Based on the information provided by you, the customer care executive can access the details of the credit card application and inform the customer about current status.
- Step 7: Mailing address for queries: In case a customer wants to get further information on his credit card application, he/she can mail his queries to the bank at below mentioned address.
The customer can send mail to:
PNB, Credit Card Processing Centre,
11th Floor, Atma Ram House,
1 tolstoy Marg,
#3. PNB Credit Card Login:
NetBanking helps the customers to enjoy convenient banking from home or office. PNB credit card netbanking allows its users to have an access to their bank account 24x7 anywhere at anytime. It helps the user to manage all his bank transactions without visiting the bank’s branch office.
Benefits of using PNB Net Banking Service:
Many things has been made easy and convenient by the internet. The online banking service has been made comfortable for its customers. PNB Credit Card users can get the following benefits by registering their credit card for online banking services.
24x7 access to account information: You can have access to most of the credit card related information and transactions from anywhere and at any time. It can be your last credit card transaction or 6 months old statement.
Safety and security: The most advanced security system is used by PNB to protect the transactions done using internet banking. With additional security features such as Dynamic access code, Digital Signature Certificate, Beneficiary Activation Code and other banks provide another layer of security for the net banking transactions.
Access to online services: You can avail online services offered by the bank besides getting access to account related information. Service requests such as reporting lost/stolen credit card, credit card PIN generation, block credit card and lot more using your credit card net banking account can be raised using your online banking account.
Features of PNB Credit Card Netbanking Services:
The billing statements issued by Punjab National Bank can be accessed freely
Financial obligations can be tracked easily by customers so that they can pay the credit card bills on time
You can track the monetary and non-monetary incentives such as cashback offers and reward points respectively.
Billing statements can be accessed online as well as offline. The online platform of the bank has been designed in an excellent way for issuing billing statements.
Punjab National bank promotes newly launched financial services or products through netbanking. The bank builds the brand identity this way
Punjab National Bank offers a digital platform for obtaining e-bills that is user-friendly and faster
Punjab National Bank Fees and Charges
Each and every credit card has its own fees and charges applicable according to its features. Likewise, PNB credit cards also have charges which will be levied in case of late payment or when the customer crosses the credit limit allotted. The charges varies depending upon the penalties or services provided by the credit card.
|Charge||PNB Global Platinum Credit Card||PNB Global Gold Credit Card||PNB Global Classic Credit Card|
|Entry fee||Rs.500||Rs. 300||Nil|
|Rate of Interest||2.45/month||2.45/month||2.45/month|
|Add on Cards||Rs.500||Nil||Nil|
|Finance Charges||2.45% per month
(1.5% for cards against fixed deposit)
|2.45% per month
(1.5% for cards against fixed deposit)
|2.45% per month
(1.5% for cards against fixed deposit)
#4. Punjab National Bank Customer Care Number:
Punjab National Bank Credit Card users can get in touch with the bank’s customer care through call, email and SMS. Here are the details:
PNB Bank credit card customer care Toll Free number: 0120 – 4616200, 1800 180 2345
PNB Bank credit card customer care Email: [email protected]
PNB Bank credit card customer care mail address for any grievances:
Credit Card Processing Centre,
11th Floor, Atma Ram House,
1 tolstoy Marg,
New Delhi –110001
If you are not satisfied with the kind of response or resolution received from PNB customer service or the bank’s branch manager, you always have an option to escalate the issue to the higher officials of the bank. Punjab National Bank has a grievance redressal system using which you can escalate the issue till it is resolved.
The contact details of the Officer are as follows –
Principal Nodal Officer (General Manager),
PUNJAB NATIONAL BANK Head Office – 5,
Contact Number – +91 11 23716185
Fax Number – +91-11-2332 3707
Email Address – [email protected]
About Punjab National Bank and Credit Card
Punjab National Bank or PNB is known to be India’s one of the largest financial Institution of the country. The Bank has seen tremendous success in its journey from 1985 till date where the networks of branches and ATMs have crossed more than 5000 and 6000 respectively. The bank offers a bunch of products under Personal Banking, Social Banking, MSME Banking, Agricultural Banking, International Banking etc. The bank has also been acclaimed with several awards for its outstanding overall performance in the market.
Punjab National Bank, one of the popular banks in India, offers a wide range of credit cards to its customers. Punjab National Bank is a name to reckon in the credit market with competitive interest rates on loans and credit cards. The customers can enjoy numerous benefits on tailor-made Punjab National Bank credit card based on different needs.
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