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Key Features of PNB Credit Cards

  • Flexible Credit Limit: Based on eligibility and income.
  • Reward Points: Earn on every spend, redeemable for gifts/vouchers.
  • Fuel Surcharge Waiver: Available on select cards.
  • EMI Facility: Convert big purchases into easy installments.
  • Contactless Payments: Secure tap-and-pay feature.
  • Zero Fraud Liability: Protection against unauthorized transactions.
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Benefits of PNB Credit Cards

  • Shopping Discounts: Exclusive deals on partner brands.
  • Dining Benefits: Discounts at restaurants.
  • Travel Perks: Airport lounge access, air miles, and hotel discounts.
  • Cashback & Rebates: On online/offline transactions.
  • Easy Repayment: Auto-debit, online payment options.
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How to Apply for a PNB Credit Card?

  • Online Application: Select a card → Click "Apply Now."
  • Fill in details: Personal, employment, and income details.
  • Upload KYC documents: PAN, Aadhaar, salary slips.
  • Submit & track: Application status.

Eligibility Criteria

  • Residency: Indian resident or NRI (with Indian address).
  • Age: Minimum age: 21 years (up to 65 years for some cards).
  • Income: Regular income source (salaried/self-employed), Minimum income: ₹2.5 Lakh+ per annum (varies by card type).
  • Credit Score: Good credit score (CIBIL 750+ preferred).
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Factors Affecting PNB Credit Card Approval

  • Credit Score: Higher score increases approval chances.
  • Income Stability: Regular income improves eligibility.
  • Existing Debts: High liabilities may lead to rejection.
  • Employment Type: Salaried professionals get faster approvals.

Usage of PNB Credit Cards

  • Online Shopping: Amazon, Flipkart, Myntra, etc.
  • Bill Payments: Electricity, mobile recharge, DTH.
  • EMI Purchases: Electronics, furniture, appliances.
  • Travel Bookings: Flights, hotels, IRCTC tickets.
  • Contactless Payments: NFC-enabled POS terminals.

FAQs on PNB Credit Cards

What is the interest rate on PNB Credit Cards?
Typically ranges between 1.5% - 3.5% per month (varies by card).
How to check PNB Credit Card balance?
Via PNB Internet Banking, Mobile App, or SMS alerts.
What is the annual fee for PNB Credit Cards?
Ranges from ₹500 to ₹3,000 (some cards have lifetime free options).
How to redeem PNB reward points?
Log in to PNB Rewards Portal → Choose gift vouchers/cashback.
Can I get a credit limit increase?
Yes, after 6 months of usage, request via PNB customer care.
Is there a joining bonus?
Some cards offer welcome rewards or cashback.
How to report a lost/stolen card?
Call PNB Helpline (8885545255) or block via mobile banking.

List of Punjab National Bank Credit Cards

  • PNB Visa Classic Credit Card
  • PNB Mastercard Classic Credit Card
  • PNB Rupay Classic Credit Card
  • PNB Visa Platinum Credit Card
  • PNB Visa Signature Credit Card
  • PNB Mastercard World Credit Card
  • PNB IRCTC SBI Card Platinum
  • PNB IRCTC SBI Card Classic
  • PNB Corporate Credit Card
  • PNB Rupay Select Credit Card
  • PNB Rupay JCB Credit Card
  • PNB Rupay Platinum Credit Card
  • PNB Mastercard Platinum Credit Card
  • PNB OneCard (Metal Credit Card)
  • PNB PaisaBazaar SaveMax Credit Card