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  • PNB Balance Transfer is Rated as "Excellent!" by 48 Users
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    PNB Balance Transfer

    PNB Credit Card Balance Transfer Overview

    Punjab National Bank provides a convenient balance transfer facility to PNB Global Credit card holders, through which outstanding balance from another bank credit cards can be transferred to a PNB credit card. Any customer holding a PNB Global Credit card or availing a new card can make use of the Balance Transfer scheme. The interest rate charged on the Balance Transfer scheme is lower than the regular finance charges levied on a credit card.

    Balance Transfer Scheme

    PNB credit card customers can use the Balance Transfer on EMI scheme with a repayment tenure of six months. The interest rate levied by Punjab National Bank is 0.99% per month. Customers have to pay a processing fee of 1% of the transfer amount or a minimum of Rs.199, whichever is higher. The amount transferred can be repaid bank as monthly instalments at the rate of Rs.172.50 for every Rs.1000.

    Customers can make balance transfers with a minimum amount of Rs.2000 and up to a maximum of 90% of the credit card limit or the customer’s pre-determined credit limit, whichever is lower. The disbursement of the amount will be done through a draft by PNB.

    Eligibility for the PNB Balance Transfer Scheme

    A PNB credit card holder is eligible for the Balance Transfer Scheme if he/she is an Indian resident and is the primary credit card account holder. The credit card held by the customer should not have any criminal records or be over the limit.

    How can PNB credit card holders apply for the Balance Transfer Scheme?

    PNB credit card holders have to submit a request to the bank to avail the balance transfer facility. The completed balance transfer request form along with the latest monthly credit card statement copy from where the transfer is to be done has to be submitted to PNB. The monthly statement copy that is attached should not be more than 45 days old. Customers can download the Balance Transfer form from the PNB website. The request has to be mailed to PNB’s Credit Card Processing Centre located in Noida.

    Credit Card Reviews

    • Punjab National Bank Credit Card
      "Needs lots of improvement"
      0.5 3.0/5 "Satisfactory"
      I do have PNB credit card , but its not good. Because if I make the payment on 15th, I get notification on next month, some time their server wont work to do any transactions. credit limit is also very low around Rs.20,000 they need improve on it.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 09, 2018
    • Punjab National Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      The credit limit value is good with the PNB global platinum Visa credit card. The customer support is good with Punjab national bank. I use this card for purchases, shopping, domestic needs and for other usages. I pay the annual fee to this card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 25, 2018
    • Punjab National Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with PUNJAB NATIONAL BANK with a limit of 50 thousand. I am satisfied with the limit. i have received the reward points with the card.There is an annual charge of 499. Offers with book my show and make my trip. Not yet redeemed those points.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 11, 2018
    • Punjab National Bank Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      I have been using quite a few Credit Cards but this is the one of those average card that I have. Their Customer service is one of the best that I have ever seen though. Even for smallest thing they call me up and confirm me. I have been given a Credit Limit of 20000.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jan 07, 2018
    • Punjab National Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      They have given me a good limit in the Card of Rs.50000. The number of cashback available in the card is quite impressive. I have been making my repayment done through cash. The usage of the card is also pretty good. The overall experience with them has been good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 06, 2018
    • Punjab National Bank Credit Card
      "Looking for better credit limit"
      0.5 3.5/5 "Pretty good"
      PNB credit card service is good but credit limit is low, their customer service and response is prompt. But interest rate is slightly higher than SBI. However I am holding life time credit card from 9 months. Its a convenient to access VISA credit card anywhere.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 09, 2017
    • Punjab National Bank Credit Card
      "Need lots of improvement"
      0.5 3.0/5 "Satisfactory"
      Recently I got PNB credit card, there was no offers at all and the given credit limit is not good. After applying the card, I got the call after one month, the processing time was delay. It would be great if enhance the limit with good quick process and also I could add money in Paytm, card feature should be improved.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 06, 2017
    • Punjab National Bank Credit Card
      "Perfect card to use"
      0.5 4.0/5 "Great!"
      I am using the Pnb global platinum credit card just for 3 months. The credit card service is very good with the PNB global platinum credit card. The credit limit is average with this card and I am satisfied with it. The rat of interest and the charges are average with PNB global platinum credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 29, 2017
    • Punjab National Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the Punjab National Bank credit card and the customer service is good one too. I would like to say that the credit limit value is good one for me and the response is good one too. I am happy with the Punjab National Bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 28, 2017
    • Punjab National Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      The experience with Punjab National Bank in regards to my Credit has been pretty good. They give you good Credit limit and has good advantage once the repayment are done within the time frame. The Card was disbursed pretty easily without any fuss.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 21, 2017
    • Punjab National Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I am holding the PNB Global credit card for more than a year. I use this card for shopping, bill payments, recharges and for other usages. I am not satisfied with the credit limit with this card. They need to increase the credit limit. The rate of interest and the charges are average with the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 20, 2017
    • Punjab National Bank Credit Card
      "Good usage"
      0.5 4.0/5 "Great!"
      I have a credit card with Punjab National Bank with a limit that i am very satisfied with. I have had no issues with the card as well as the services for it. I use the card often and there is no issues with the usage so far. I also have good offer that i get with the card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 17, 2017
    • Punjab National Bank Credit Card
      "Good"
      0.5 4.5/5 "Excellent!"
      My credit card was taken with Punjab National Bank. I am using it for more than 5 years. I hold Platinum credit card, it is a international card. The reward points and cash back offers are good. The customer service and response is fine. They are giving good discounts as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 11, 2017
    • Punjab National Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have the Platinum credit card with PNB for more than 1 year. The service is good with the PNB credit card department. The customer support is also good with PNB .I am satisfied with the credit limit. There is no annual fee to this PNB platinum credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 07, 2017
    • Punjab National Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using PNB credit card from last 7 years, the services provided by PNB credit card is comparatively good. There was no annual fee charged at the time of getting this credit card. Credit limit is satisfactory in this credit card. I use this card for shopping and for all other general purpose.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 31, 2017
    • Punjab National Bank Credit Card
      "Easy to visit the branch "
      0.5 4.0/5 "Great!"
      I bank with Punjab national bank.recently i had applied for credit card they had processed it very early.its convenient to use anywhere in the market. The bank has a limit of 50 thousand and annual fees of Rs1000. Phone banking service sound very helpful for my financial needs.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Oct 25, 2017
    • Punjab National Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I use the PNB Global Platinum credit card for all kind of personal usages as well for bill payments and for other purchases. I am happy with the credit limit. The rate of interest is nominal with the PNB card. I use the PNB credit card for past 4 years. I pay the annual fee of Rs.500 every year.
      Was this review helpful? 0
      , jaipur
      Reviewed on Sep 20, 2017
    • Punjab National Bank Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      PNB has also offered me a credit card and it is a life time free card as well. There are a lot of points I earn which can be redeemed online as well. The services are also good as they are responsive when I reach out to them and the credit limit is also good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 04, 2017
    • Punjab National Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      If I fail to pay the credit card bill on due date PNB won't charge too much and the charges are very much nominal with this credit card . I hold this PNB global classic credit card for past one year. This credit card has rewards points cash back offers. This card is used for all kind of purchase and I am not satisfied with their credit limit, they can still increase the credit limit in future.
      Was this review helpful? 1
      , jammu
      Reviewed on Jun 09, 2017
    • Punjab National Bank Credit Card
      "Not professional"
      0.5 2.0/5 "Expected more"
      The customer services of PNB is not satisfactory and not professional. When ever I call them they speak as if they are the customer and I am the services provider. They have not given me any benefits on the credit card and they have also not increased my credit limit.
      Was this review helpful? 3
      , bangalore
      Reviewed on Apr 13, 2017
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