Punjab National Bank Credit Card Eligibility

Educational Qualification – An applicant must be at least class 10th pass out.

Age –

•  The primary applicant must fall into the age group of 21 – 65 years.
• The add-on applicant can fall into the age group of 18-65 years.

Income: The income criteria for different PNB credit cards are:

• Classic credit card: Rs. 2,50,000 pa
• Gold credit card: Rs. 3,50,000 pa
• Platinum card: Rs 5,00,000

Prior Relationship With The Bank – The applicant must be an existing customer of the bank with a satisfactory track record of a minimum of 6 months.

To check your PNB Credit Card eligibility at Paisabazaar within minutes, you just have to fill in your basic details. Follow the below-mentioned steps:

Step 1- Click here to enter your mobile number (you will need to complete the OTP based mobile verification)
Step 2– Select your occupation (Salaried or Self-employed) and enter all other personal details

After this, you will be redirected to the page where you can find all the credit cards as per your eligibility. If you are not satisfied with the options available, or you do not find the desired SBI Credit Card in the list, you can always contact Paisabazaar’s customer care service for further assistance.

Step 3 – If you decide to apply for a credit card from the list, you can simply click on the “Grab Now ” option on the right-hand side of the card. Now, you will need to fill an additional form that will require you to enter additional details such as Pancard details, parents’ names and more. Enter other details and submit your application.

Note. Remember, if you have already registered with Pasiabazaar, certain information will be pre-filled in your application form.

There are a few documents that customer must submit at the time of credit card application. These include identity proof, address proof and income proof. Following documents are accepted by PNB Bank:

Proof of Identity	PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI, etc.
Proof of Address	Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, etc.
Proof of Income	Latest one or 2 salary slip (not more than 3 months old), Last 3 months’ bank statement, ITR, Form 16, etc.

To view the complete list of documents required for applying a PNB Credit Card, Click Here.

Factors that affect customer’s eligibility for a Punjab National Bank credit card are:

Credit Score – A long credit history without any defaults leads to a better credit score, which increases the chances of card approval. A credit score of 750+ is considered good to apply for a credit card.

Income Stability – PNB will provide a credit card to customers who have a regular and stable source of income. Customers can be salaried or self-employed.

Loan Enquiries – Every loan or credit card application leads to a hard enquiry on a customer’s credit report. Hard enquiries can lead to a drop in credit scores. Thus it is advised that people don’t apply for multiple loans or credit cards at the same time. There must be a gap of 6 months between credit card applications.

Location- There are some locations where banks do not provide their services, therefore, it is advised that an applicant sees the list of serviceable cities or locations before applying for a credit card.

What is a credit card?
A credit card allows a user to purchase goods or services against a loan (credit). A credit card comes with a credit limit against which customers can make purchases.

Where can Punjab National Bank credit cards can be used?
Punjab National Bank credit cards can be used for:

• Cash withdrawal
• Retail purchases
• Online purchases
• Mail Order Purchases

What is an add-on offered by PNB?
An Add-on card allows customers to share the benefits of a credit card with their immediate family members without getting them a separate credit card. Add-on cards are quick and easy to get. Also, the primary cardholder gets to keep an eye on the transactions made by the add-on cardholder.

What is the eligibility for a PNB credit card?
To be eligible, you must be an Indian resident, meet the minimum age and income criteria, and have a good credit history. The eligibility criteria vary from card to card. You are required to check the final eligibility criteria before applying for a card.

What is the minimum age to apply for a PNB credit card?
The minimum age to apply for a PNB credit card is 21 years for salaried individuals and 18 years for students on specific cards.

What is the minimum income requirement for a PNB credit card?
The income requirement varies from card to card. You can contact the customer care of Punjab National Bank and enquire about the income requirements for the respective card.

Can self-employed individuals apply for a PNB credit card?
Yes, self-employed individuals can apply for PNB credit cards by providing proof of business income, tax returns, and other financial documents.

Do I need to be an existing PNB customer to apply for a PNB credit card?
No, you do not need to be an existing PNB customer; new applicants can apply directly by visiting the official website of PNB.

Is there a minimum credit score required to apply for a PNB credit card?
Yes, a good credit score of 750 or above is generally recommended to increase the chances of approval. If you do not have a good credit score, you can apply for a secured card and build a strong credit profile.

How long does it take to get approved to apply for a PNB credit card?
The approval usually takes 7–15 business days after submission of all required documents, subject to verification.

Can I withdraw cash from my PNB credit card?
Yes, PNB credit cards allow cash withdrawals at ATMs, but interest is charged immediately on the withdrawn amount.