PNB Credit Card Against FD

Punjab National Bank offers a range of credit cards tailored to different consumer needs, including options secured by a fixed deposit. PNB credit cards against FD come with relaxed eligibility criteria compared to regular unsecured cards, making them a decent choice for first-time users or those without a prior credit history. The bank also offers entry-level credit cards with low annual and joining fees, making it simple for cardholders to apply and avail benefits.

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Top PNB Credit Cards Against FD

Here’s a look at the best entry-level credit cards offered by Punjab National Bank:

Secured Card Names	Annual Fee	Features and Benefits
PNB Visa Classic Credit Card	Nil	1 reward point for every Rs.100 spent
PNB Visa Gold Credit Card	Rs. 300 + Taxes	1 reward point per Rs. 100 spent
PNB RuPay Platinum Credit Card	Rs. 500 + Taxes	300+ reward points on first usage
PNB Visa Platinum Credit Card	Rs. 500 + Taxes	2 reward points on every Rs. 150 spent on retail

Features and Benefits of PNB Credit Cards Against FD

Some of the main features and benefits of PNB 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 every spend, offers add-on cards for family members, and allows you to pay 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 valuable.

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, 24×7 global concierge, travel and pre-trip assistance, lifestyle services, and emergency support.

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

Steps to Apply for a PNB Credit Card Against FD

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 or the nearest branch to submit a duly filled application form.

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.

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit card purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit card purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

FAQs

What is the joining and annual fee for PNB Credit Cards against FD?

The joining and annual fee for PNB Credit Cards against FD varies by card. The PNB Visa Classic Credit Card has no joining or annual fee, while the Visa Gold, RuPay Platinum, and Visa Platinum cards carry annual fees starting from Rs. 300 to Rs. 500 plus taxes.

Are add-on cards available with PNB Credit Cards against FD?

Yes, PNB Credit Cards against FD, including the PNB Visa Platinum Credit Card, offer add-on cards for family members. Add-on cardholders can avail the same benefits, including earning reward points, which are accumulated under the primary cardholder’s account.

What concierge services are offered with PNB Credit Card against FD?

PNB Visa Platinum Credit Card offers 24×7 global concierge services for travel, lifestyle, event planning, and emergency support, ensuring cardholders have assistance whenever and wherever needed.

Are reward points available on PNB credit cards against FD?

Yes, you can earn reward points on eligible transactions. For example, the PNB Visa Classic Credit Card offers 1 reward point for every Rs. 100 spent, while the PNB Visa Platinum Credit Card offers 2 points for every Rs. 150 spent on retail purchases.

Can first-time credit users apply for PNB credit cards against FD?

Yes, PNB credit cards against FD are ideal for first-time credit users or individuals with no prior credit history. The relaxed eligibility criteria make it easier to get approved, as the FD acts as security for the bank.