PNB Credit Card

Some of the common fees and charges applicable to all PNB Credit Cards are mentioned in the table below:

*The applicable finance charges/interest rate on PNB Credit Cards issued against FD are 1.5% per month, or 19.56% per year.

Click here for the detailed PNB Credit Card fees and charges, along with other related terms and conditions.

PNB offers credit cards to people who have maintained a good credit score. However, people who are new to credit can also apply for some of these cards. Below mentioned is the eligibility criteria set by the bank that you must satisfy to apply for any of the credit cards:

• Age: The applicant must be 21 to 70 years in age
• Occupation: Salaried or self-employed
• Documents Required: Click here to check the list of acceptable documents for PNB credit cards

PNB is not a Paisabazaar partner therefore you cannot directly apply for PNB Credit Cards via Paisabazaar. To apply for a PNB Credit Card, you can visit the bank’s official website or visit the nearest bank branch.
However, other than PNB Cards, you can compare and apply for other credit cards via Paisabazaar after finding the right one for you. Follow the below-mentioned steps to find out and apply online for the best credit cards you are eligible for:

Step 1: Enter Your Mobile Number
Provide your mobile number in the form to begin the credit card application process.

Step 2: Verify OTP and Check Available Offers
Provide the OTP received on your number to check the pre-qualified credit card offers on the screen.

Step 3: Select Preferred Bank’s Credit Card
Based on the offers shown as per your income eligibility, select the best credit card that suits your requirements.

Step 4: Apply and Provide Documents
Apply for the credit card of choice and provide the necessary documents for further processing of the card application.

Here are some of the important links that will help you manage your Punjab National Bank Credit Cards:

Q. Which credit card is best in PNB?

A. PNB offers multiple credit cards to fulfill the varying needs of different card users. The best credit card out of these will depend upon which of these suits your requirements the most. For instance, PNB Visa Classic, PNB Visa Gold, and PNB Rupay Millennial are good for shopping and rewards, while PNB EMT RuPay card is better-suited for travel spends.
The bank also offers varying cards suitable for different income or occupational groups, such as PNB Rakshak Rupay cards for defense personnel. Thus, to find the right credit card, you must choose a card as per your spending patterns and preferences.

Q. How to activate a PNB credit card?

A. You can activate your Punjab National Bank credit card via the bank’s mobile banking app. Alternatively, you can use SMS banking. Send an SMS to 7092200200 with these details: ACTIV <space> <last 6 digits of your credit card> <space> <DOB in ddmmyyyy>.

Q. What all RuPay credit card variants are offered by PNB?

A. Punjab National Bank offers several RuPay credit card variants, including PNB RuPay Platinum, RuPay Select, RuPay Millennial credit cards. The cards co-branded with Patanjali and EaseMyTrip are also available on RuPay network.

Q. Can I apply for the PNB Credit Card online?

A. Yes, Punjab National Bank now provides the facility of submitting the credit card application online. To apply online, you can opt for different ways including the mobile assisted agent app – PNB SARAL, DIY (Do It Yourself) link on the bank’s website, or via the online links on PNB One, IBS and website.
In order to apply for any of the PNB credit cards offline, you have to visit the nearest bank branch to fill and submit the PNB credit card application form. This form can be downloaded online from the bank’s credit card portal.

Q. Does PNB credit card have annual fees?

A. Yes, PNB charges a joining and annual fee for its credit cards as per the card variant. But you can get these charges waived off for some of these PNB credit cards by meeting the annual spending criteria.

Q. Which PNB credit card has lounge access?

A. Several PNB credit cards offer domestic and international airport lounge access. These cards include PNB RuPay Select, PNB RuPay Millennial, PNB Rakshak, PNB Visa Signature, and others. Punjab National Bank also offers EaseMyTrip RuPay Platinum credit card which is a co-branded travel card with exclusive travel benefits with lounge access.

Q. Who is eligible for PNB credit card?

A. Those who are 21 years to 70 years of age and are either salaried or self-employed with a stable source of income are eligible to apply for PNB credit cards. The minimum age required for secured cards and add-on cards is 18 years. Further eligibility criteria may vary as per the card variant.

Q. What is the minimum salary for a PNB credit card?

A. To be eligible for a PNB credit card, the applicant must have a minimum annual salary of Rs. 2.5 lakh. At this salary amount, the applicant will be eligible for PNB Visa Classic and PNB RuPay Platinum credit cards. This minimum salary criteria may be reduced to Rs. 1.2 lakh per annum (i.e. Rs. 10,000 per month) for select cases.

Q. How is PNB Wave & Pay Credit Card different from other cards?

A. PNB Wave & Pay Credit Card is different from traditional credit cards as it is equipped with Visa PayWave technology, under which you do not have to swipe the card for transactions up to Rs. 5,000. You just have to tap the card on the POS machine and your payment will be done without entering the PIN.

Q. How to apply for a PNB credit card?

A. You can apply for a PNB credit card online by checking details on the bank’s website or visiting the nearest branch.

Q. How to redeem PNB credit card points?

A. For details on redemption of reward points on PNB credit card, you can contact the bank’s customer care at 1800 1800.

Q. What is the limit of a PNB credit card?

A. Credit limits may vary from one card to another, based on the bank’s internal policy. Additionally, based on the cardholder’s credit profile, income, and other eligibility requirements, it may be assigned differently to all card users.

Q. What is the minimum amount due on a PNB credit card?

A. The minimum amount due on the credit card is the lowest amount you should pay by the due date to avoid the imposition of late payment charges.

Q. How to check the PNB credit card balance?

A. Details of your PNB credit card balance are mentioned on your last generated statement. Additionally, you can check details on the app or contact the customer care.

Q. What is the interest rate of PNB credit cards?

A. At present, the interest rate offered on PNB credit cards is 2.95% per month on a reducing basis. The Annual Percentage Rate (APR) is 35.89%. However, note that these interest rates are subject to change at the bank’s discretion.

Q. Can I get a PNB credit card without a job?

A. Yes, you can get a PNB credit card even if you do not have a job. However, you will have to apply for a secured credit card and deposit a certain amount in a fixed deposit account against which a credit card can be issued. Secured credit cards will let you earn interest against the deposited amount while you make transactions using the credit card. The credit limit will be a bit lesser than the amount deposited.

Q. How to close a PNB credit card?

A. To deactivate your PNB credit card, you can send an SMS to 7092200200 with the following details: DEACTIV <space> <last 6 digits of your credit card> <space> <DOB in ddmmyyyy>. Additionally, you can also contact customer care at 1800 1800.