PNB Credit Card Against FD

Some of the main features and benefits of PNB Bank Credit Cards are mentioned below:

PNB Visa Classic Credit Card

PNB Visa Classic is a basic credit card offered by Punjab National Bank with no joining or annual fee. This lifetime free credit card offers 1 reward point for every Rs. 100 spent, making it a suitable option for consumers who want a credit card for regular spends.

Annual Fee: Nil

Key Features and Benefits

• 1 reward point for every Rs. 100 spent
• Up to 2 add-on cards for spouse, parents, or children (above 18 years)
• Utility bills, including electricity and telephone/mobile bills, can be paid using a credit card by logging in to www.visabillpay.in/pnb

PNB Visa Gold Credit Card

PNB Visa Gold is an entry-level credit card designed for individuals looking to start their credit journey and build a good credit score. It offers reward points on spends, allows add-on cards for family members, and pays utility bills online.

Annual Fee:  Rs. 300 + Taxes

Key Features and Benefits

• 1 reward point per Rs. 100 spent
• Up to 2 add-on cards for spouse, parents, or children (above 18 years)
• Utility bills, including electricity and telephone/mobile bills, can be paid using a credit card by logging in to www.visabillpay.in/pnb

PNB RuPay Platinum Credit Card

PNB RuPay Platinum Credit Card is designed for new-to-credit consumers looking for a convenient and rewarding credit card for everyday use. It offers reward points, exclusive cashback, comprehensive insurance, and a range of lifestyle and travel benefits to make spends more rewarding and hassle-free.

Annual Fee:  Rs. 500 + Taxes

Key Features and Benefits

• No annual or joining fee if the card is used at least once in a quarter
• 300+ reward points on first usage
• Exclusive cashback on utility bills, eateries, and restaurants
• Comprehensive insurance coverage
• 24/7 concierge services
• Access to 300+ merchant offers
• Complimentary domestic and international lounge access

PNB Visa Platinum Credit Card

PNB Visa Platinum Credit Card is ideal for consumers seeking a credit card with basic benefits. It offers reward points on retail spends, a 24/7 global concierge, travel and pre-trip assistance, lifestyle services, and emergency support for a seamless and rewarding experience.

Annual Fee: Rs. 500 + Taxes

Key Features and Benefits

• 2 reward points on every Rs. 150 spent on retail
• 24×7 global concierge services
• Travel assistance for airline and hotel bookings
• Pre-trip support, including passport and visa assistance
• Flower and gift booking with delivery assistance
• Lifestyle services such as show and event bookings
• Emergency services, including medical support, roadside assistance, and patient travel arrangements

Some of the common steps to apply for PNB Credit Card against FD are mentioned below:

Step 1: Open a Fixed Deposit (FD) with PNB. Your credit card limit will depend on the FD amount.

Step 2: Visit the PNB website and fill out the online application for a PNB credit card against FD.

Step 3: Complete the KYC process by submitting documents like ID proof, address proof, and FD details.

Step 4: Once PNB verifies your information, your application will be approved and the credit card will be issued.

What is the joining and annual fee?
PNB Visa Platinum Credit Card has no joining or annual fee, making it perfect for customers seeking a cost-effective card with rewards and convenient features for everyday spends.

How are reward points earned?
With PNB Visa Platinum Credit Card, consumers can earn 2 reward points for every Rs. 150 spent on retail purchases, which can be redeemed for gifts, vouchers, or other benefits for cardholders.

Are add-on cards available with PNB Bank Credit Cards against FD?
PNB Visa Platinum Credit Card allows add-on cards for family members. Add-on users enjoy the same benefits and can accumulate reward points on purchases under the primary cardholder’s account.

What concierge services are offered with PNB Bank Credit Card against FD?
PNB Visa Platinum Credit Card provides 24×7 global concierge services for travel, lifestyle, event planning, and emergency support, ensuring cardholders have assistance whenever and wherever needed.

Can I get travel assistance?
PNB Visa Platinum Credit Card offers travel assistance including airline and hotel bookings, as well as passport and visa support, making trips easier and more convenient for cardholders.

Are lifestyle services included?
Lifestyle services with PNB Visa Platinum Credit Card include show and event bookings, flower and gift delivery, and other convenience services, providing seamless support for entertainment and special occasions.