PNB offers a range of credit cards that can serve your needs if you are looking for a credit card with regular benefits and a simple rewards program. These cards come with various features and benefits that make shopping and other transactions convenient and rewarding. Check all top Punjab National Bank credit cards and read on to know about the detailed features and benefits to choose and apply for the card that suits your needs the best.
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Check Now Check Pre-Approved OffersPlease Note: Punjab National Bank is not a Paisabazaar's partner. Offers would be from partner Banks/ NBFCs only.
PNB offers different card types for both, people with an existing credit history or those who are new to credit. These credit cards are offered under multiple categories, including shopping, rewards, travel & cashback and comes with a relaxed eligibility criteria. You can apply for any of the credit cards based on the eligibility, your spending pattern and your repayment capacity. Here are some of the top PNB credit cards that you can refer to find your perfect card as per your spending pattern:
Best suited for : Shopping, Travel & Rewards
Joining Fee: Nil
Annual Fee: ₹ 500/-
(Waived off, if the card is used once in a quarter)
Best suited for : Shopping, Travel & Rewards
Joining Fee: Nil
Annual Fee: ₹ 500/-
(Waived off, if the card is used once in a quarter)
Best suited for : Shopping & Rewards
Income Eligibility: ₹ 41,000/- month
Joining Fee: ₹ 399/-
Annual Fee: ₹ 999/-
(Waived off on spending Rs. 1 lakh in a year)
Best suited for : Defence Personnel
Joining Fee: ₹ 500/-
Annual Fee: ₹ 750/-
(Waived off, if the card is used once in a quarter)
Best suited for : Shopping, Travel & Rewards
Joining Fee: ₹ 500/-
Annual Fee: ₹ 750/-
(Waived off, if the card is used once in a quarter)Apart from the above-mentioned credit cards, PNB also offers several other credit cards under multiple categories. You can apply for any of these credit cards as per its eligibility and your spending pattern. Here are some of the other Punjab National Bank credit cards:
| Credit Card | Annual Fee | Best Suited for |
|---|---|---|
| PNB Rakshak Rupay Platinum | Nil | Defence Personnel |
| PNB Visa Classic | Nil | Shopping and Rewards |
| PNB Visa Gold | ₹ 300 | Shopping and Rewards |
| PNB Visa Signature | ₹ 2,000 | Travel and Entertainment |
| PNB Wave & Pay | ₹ 500 | Rewards |
| Suggested Read: Check 25 Best Credit Cards in India in May 2023 and find the right card as per your spending habits. |
Some of the common fees and charges applicable to all PNB credit cards are mentioned in the table below:
| Fee Type | Amount | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining/Annual Fee | Varies from card to card | ||||||||||
| Finance Charges | 2.95% p.m. (35.89% pa.) | ||||||||||
| Late Payment Fee |
|
Please refer to the terms and conditions for card variants separately. For other fees & charges, terms and conditions related to PNB Credit Cards, click here.
PNB offers credit cards to people with a good credit score (preferably above 750). However, people who are new to credit can also apply for some of the cards. Below mentioned is the eligibility criteria set by the bank to apply for any of the credit cards:
The applicant's age should be in the range of 18 to 60 years
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 ‘Punjab National Bank-Credit Card Portal’ and download the application form. However, other than PNB Cards, you can compare and apply for credit cards at Paisabazaar, to find the right card for you. Follow the below mentioned steps to find out the best credit cards you are eligible for.
Provide your mobile number in the application form to start the credit card application process.
Provide the OTP, to check the pre-approved offers on the screen.
Based on the offers shown as per your income eligibility, select the best credit card that suits your requirements.
Apply for the credit card that best fits your requirement, and provide documents for further processing of the application.
Here are some of the important links that will help you manage your Punjab National Bank credit cards:
Punjab National Bank offers two variants of RuPay credit cards, namely PNB RuPay Select Credit Card and PNB RuPay Platinum Credit Card. The cardholders can earn reward points on every purchase via these credit cards. Apart from this, you can also avail lifestyle and other benefits through these credit cards.
No, at present, Punjab National Bank does not provide the facility of direct credit card application online. In order to apply for any of the credit cards, you have to visit the Punjab National Bank branch. You will be asked to fill PNB credit card application form to proceed with your card application. This form can however, be downloaded online from the bank's credit card portal.
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. 2,000. You just have to tap the card on the POS machine and your payment will be done without entering the PIN.
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, the bank has all the right to change the interest rate without any communication.
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. Secured credit cards will let you earn interest against the deposited amount while you make transactions on the credit card. The credit limit will be a bit less than the amount deposited.
You can activate your credit card by calling PNB customer care and asking them to activate your credit card. You can also activate your credit card by texting the PNB ACTIVATE 16-digital Credit Card number to 22566808. Example: PNB ACTIVATE 1234567812345678.
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 best suits your requirement. For instance, PNB Wave & Pay is a good option if you are seeking benefits around travel and entertainment, whereas, PNB Visa Classic, PNB Visa Gold, and PNB Rupay Millennial are good for shopping and rewards. If you are looking for all-rounder benefits, you can consider PNB Rupay Select, PNB Rupay Platinum, or PNB Visa Platinum. The bank also offers varying cards suitable to different income groups, such as the PNB Rakshak Rupay Platinum for defense personnel. Thus, to find the right credit card, you must choose a card as per your spending patterns and preferences.
The limit on PNB credit cards may range between Rs. 10,000 to Rs. 10 lakh. However, the limit issued on your card is dependent on various factors such as income, credit history, etc, and may vary across all PNB credit card types.
Individuals aged between 21 to 70 years, with a good credit score are eligible for PNB credit cards. The bank also offers cards to new to credit individuals and relaxes the minimum age criteria in case of card application against FD, to 18 years. The income eligibility criteria may, however, vary from one card to another.
