PNB credit card

Do you want details on how to open a PNB credit card. You will get all the necessary information on this blog. Credit limits, eligibility criteria, PNB credit card apply, PNB credit card login, Activate PNB credit card, Redeem PNB credit card points, PNB credit card payment, etc. are discussed in detail in this blog.

Punjab National Bank (PNB) is India’s leading financial organization founded by Lala Lajpat Rai in Lahore in 1894. This bank has the largest customer network of 115 million, operating from 7036 branches and having 8906 ATMs.

Features of PNB credit cards

PNB credit card has worldwide acceptability and has many exciting features. Three available PNB credit cards – PNB Global classic credit card, PNB  Global Gold credit card, and PNB global Platinum have attractive features to attract various income groups of people.

PNB global classic credit card has zero joining fee, zero yearly, or renewal fee. This card has many advantageous features such as a fuel surcharge waiver, railway ticket credit points, etc. 

PNB Global gold credit card is an International credit card being used as a VISA card. This card offers many purchase benefits such as discounts and credit points.

The PNB Global Platinum card has a few more features than the PNB Global Gold card. PNB Global Platinum card has additional functionality such as free airport lounge access, air travel accident insurance, etc. However, this credit card has the other entire feature available with the PNB Global Gold card.

Many questions come to our mind related to the opening of the PNB credit card; charges involve in this facility, grace period related to re-pay the amount, rate of interest after a grace period, EMI rules on loans taken against the credit card, etc.

To provide an amicable answer to above mentioned common questions, our research team has shared the following points in small separate columns; you require to give a few minutes of your valuable time.   

• PNB credit card eligibility requirements
• PNB credit card documents requirement
• PNB credit card apply
• PNB credit card login
• Activate PNB credit card
• Redeem PNB credit card points
• PNB credit card payment
• PNB credit card number
• Pros and cons
• Conclusion
• Frequently asked questions

PNB credit card eligibility requirements

There are specific mandatory requirements essential to fulfill to be eligible for the PNB credit card.

• PNB credit card applicants must be at least 10^th passed. Such that he can effectively use the card and understand the essential responsibility.
• The age limit for the customer is from 21 to 65 years. However, the add-on cardholder may be a minimum of 18 years or more than 65 years old.
• The minimum income barrier for salaried people is INR 1 lakh yearly for the PNB Global Classic card, while it is a minimum of INR 2.5 lakh per year for the PNB Global Gold card and PNB Global Platinum card.
•  For business class or self-employed people, the minimum yearly Income limit is INR 1 lakh yearly for the PNB Global Classic card, while it is a minimum of INR 2.5 lakh per year for the PNB Global Gold card and PNB Global Platinum card.
• The applicant must be a citizen of India is one of the requirements also.

PNB credit card documents requirement

The verification of identity, address of residence, age, education, and yearly Income are five basic requirements. However, your credit history will also be assessed and looked at by Bank officials before granting you a PNB credit card.

Following are pointwise documents checklist-

• Copy of self-attested PAN card or Form 60/61.
• For proof of residence, one has to provide any one of these documents- Bank Account statement, Electricity bill, or telephone bill. In the absence of this one can submit a certificate from a recognized public authority or Bank official.
• For Identity, proof allowed documents for PNB credit cards are PAN card, Voter Identity card, Aadhar card, copy of Passport, Driving license, or a certificate from a recognized public authority or Bank officials.
• For proof of Income bank officials demand Form 16 and Income tax returns for the last three years as well as salary slips for the previous six months. 
• Educational certificates and age-proof certificates are also mandatory requirements. One can show the 10^th Board certificate for the confirmation of the date of birth.
• A minimum of six months customer of PNB is also another condition, for that one has to produce the statement of PNB account.

PNB credit card apply

The application process for a PNB credit card is simple and has an option such as online, through customer care, or by visiting PNB local branch. Let us discuss one by one all the available modes related to opening a PNB credit card.

• The online application is one of the favorites among customers due to ease of time or place. Go to the PNB web portal having the following Weblink-

https://www.pnbindia.in/credit-card.html

• Go to your online banking facility.

• Log in to your Internet bank; you will get a credit card section on the left side as a group of options to click. Click the credit card, and go to apply for a new credit card. Select the card of your choice and requirements.
• Provide the required information sought and submit it. Note down the submission reference number for future needs, if any, rises.
• Go to the mailbox provided in the right-up corner of the screen over there.
• Open the mailbox and upload the necessary papers related to identity proof, address proof, education, PAN card copy, Income tax returns, etc. as indicated above, and mail it to the customer care department mentioning the reference number of your credit card application.  Letter on, they will follow up with you for any questions if needed.

PNB credit card login

Once your credit card application is approved, you will receive a credit card as well as PINs for the online operation of the card. Thus logging in to your credit card portal would be simple. Every information of your transaction, as well as statements, are available to you through the online credit card banking system.

Let us just talk a little bit about the steps of the login process stepwise-

• PNB provides a dedicated web portal for its credit card customers. The website is available with the link-

https://pnbcard.in/form/login.jsp

• Log in the method is simple; you have to provide User Name and Password, particular word entry of Captcha for security purposes is essential.
• If you are a first-time user, then please use the new user option, you can generate a new password with the help of a one-time password received from your registered mobile number.

Activate PNB credit card

Only a call to the PNB customer care office is sufficient to activate your recently received PNB credit card. The PNB customer care number is 8189818 and Domestic Toll-Free at 180010818 9818.

Customer care service is a computer-automated service; you have to provide essential information such as a credit card number or sometimes your date of birth etc. These are inquiries asked for safety purposes. Once you press the numbers on your crucial mobile board as instructed, your credit card will be activated, and you are open to using it.

Redeem PNB credit card points

PNB credit card points redemption method is simple. You have to do it by visiting the PNB credit card web page. The following points are helpful in the redemption process-

• Log in to your PNB credit card portal by providing a login ID and pass ward.
• Go to the left-hand side menu and search for the Rewardz tab, click it.
• You will be directed to the Rewardz website.
• This is the place where you can view the details of available award points.
• You can redeem the reward points now.

PNB credit card payment

Credit card bill payment in the maximum prescribed time is quite essential; in case of failure a tremendous amount of interest money one may have to pay.

Payment to PNB credit card bills can be made in many ways. The most favorite technique is online payment. Let us discuss them one by one all the way such that anyone can utilize them as per his or her suitability.

• Auto debit mode- Automatic debit as per credit card bills generated can be done by using PNB internet banking. After logging in, set the standing instruction for auto-debit. Set the date of the auto-debit. You have to enter a credit card number for the auto-debit facility.
• Through Bill desk- Bill desk is specially designed to pay credit card bills. Bill desk is available in the following web link.

https://www.billdesk.com/pgmerc/pnbcard/index1.htm

As shown above, the bill desk has three simple steps required to take for credit card payment. Credit card number, and amount of cash, and click on the play button. You will receive the confirmation mail also.

Pros and Cons

Conclusion

There are three types of PNB credit cards available. PNB credit cards make customers free from cash transactions. PNB Global Classic Credit Card provides a facility for purchasing goods.  PNB Global Gold card and PNB Global Platinum card is an International credit cards.   PNB’s toll-free number is 18602676161.