Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 3 PNB Balance Transfer
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  • Credit Card Reviews

    • 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
    • Punjab National Bank Credit Card
      "Not satisfactory"
      0.5 3.0/5 "Satisfactory"
      PNB credit card is not so flexible, they have assigned a limit of 40k out of which cash limit is 20k. I am holding this PNB credit card for almost 15 years. They have neither increased or decreased the limit on my card. Infact several times I had raised a request for limit enhancement however, I did not get any sort of reply from them till date.
      Was this review helpful? 2
      , chandigarh
      Reviewed on Dec 07, 2016
    • Punjab National Bank Credit Card
      "Very good experience"
      0.5 5.0/5 "Blown Away!"
      The credit card services is also good at Punjab National bank. I get all the basic offers on the card, and the card has not got declined in any of the transactions. The limit is really good it was never insufficient. The options of EMI is very flexible. It has been a good experience with not much of charges as well.
      Was this review helpful? 4
      , bangalore
      Reviewed on Sep 26, 2016
    • Punjab National Bank Credit Card
      "Good services"
      0.5 4.0/5 "Great!"
      I also used a credit card with PNB. They were good in their services. The response was satisfactory when ever I approached them. The offers they had on the card was satisfactory. Overall a good experience and hassle free.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Jun 23, 2016
    • Punjab National Bank Credit Card
      "Very good service "
      0.5 4.5/5 "Excellent!"
      My net salary is 22k and my company is just a small private company. I apply for Classic credit card, they give me credit limit 40k, i get the card within 20 days, no joining fee or annual fee, 3-year valid, international usage also. I recommend this credit card to all of you who has same income as mine.
      Was this review helpful? 9
      , mumbai
      Reviewed on Jun 20, 2016
    • Punjab National Bank Credit Card
      "Very Good"
      0.5 4.0/5 "Great!"
      I am having credit card with the Punjab National bank from the last seven years of time. Response is good one with them and they are not charging much interest. Customer service is also good with them and the credit limit value is around 90000 Rupees.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jun 14, 2016
    • Punjab National Bank Credit Card
      "Limited option"
      0.5 3.0/5 "Satisfactory"
      I am having the credit card with the Punjab National bank and the response is good with them. The credit limit value is on lower end and am with them from the last one year of time. Response is a good one with the Punjab National Bank.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Apr 13, 2016
    • Punjab National Bank Credit Card
      "Good benefits!"
      0.5 5.0/5 "Blown Away!"
      I am having the classic credit card with Punjab national bank. On spending every 100 rs, I am earning one reward point on transactions. Apart from this, the bill cycle remains the same as per the other credit cards. In the past 4 years, I never faced any issues with them.
      Was this review helpful? 2
      , kottayam
      Reviewed on Mar 09, 2016
    • Punjab National Bank Credit Card
      "Lowest interest rate!"
      0.5 4.0/5 "Great!"
      Punjab National Bank is offering the lowest interest rate in the market. The Gold card offered by them is a life time free card. Making payments can be done by logging into the PNB website. Further on I am able to view all the transaction details using that.
      Was this review helpful? 2
      , new delhi
      Reviewed on Feb 13, 2016
    • Punjab National Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      From Punjab national bank i have the visa classic credit card. There is no joining fee and annul fee for the card as i have account with them . I received the card within 45 days. No discount on the online shopping any petrol filling compared to hdfc bank credit card.
      Was this review helpful? 1
      , thrissur
      Reviewed on Nov 23, 2015
    • Punjab National Bank Credit Card
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      I am using the Punjab National Bank credit card from the last 4 years of time. Services are good with them and the customer service is excellent with them. I am using this card in the places like shopping malls. The rate of interest is okay for me.
      Was this review helpful? 4
      , lucknow
      Reviewed on Nov 20, 2015
    • Punjab National Bank Credit Card
      "Pretty normal"
      0.5 5.0/5 "Blown Away!"
      PNB Credit card its a free card. There is no annual fee on this card. Nothing special about this card. I am holding this card for 3 years now. I am happy with the limit its 50k. I am not interested in cash limit. They have not increased the limit in the last 3 years. I did not place a request for the limit enhancement.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 17, 2015
    • Punjab National Bank Credit Card
      "Wonderful"
      0.5 4.0/5 "Great!"
      Punjab National Bank credit card is also good and I got the card before 2 years of time. I am not using this card much and I am using this card for purchasing consumer durable products. There is no rate of interest for this credit card also there are no drawbacks with them.
      Was this review helpful? 3
      , pune
      Reviewed on Nov 04, 2015
    • Punjab National Bank Credit Card
      "NO UPDATE "
      0.5 3.0/5 "Satisfactory"
      I was using a PNB BANK credit card for quite some time. I was unable to use that card properly because they have some hidden charges on it. They wont update about the bill payments on time so I faced lot of problems. Their customer service were poor. I was using a platinum credit card but I closed this card with them.
      Was this review helpful? 7
      , guwahati
      Reviewed on Sep 16, 2015
    • Punjab National Bank Credit Card
      "Nice "
      0.5 3.0/5 "Satisfactory"
      I am having the credit card with the Punjab National Bank. The credit limit is around 30000 Rupees and am okay with that. Services are good with them and there are no issues with that. I am using this card mostly in the supermarkets, ait ticket booking also. There are no offers with them. I am not able to use online service which is the drawback and also I have complaint about this but its not yet resolved.
      Was this review helpful? 5
      , thiruvananthapuram
      Reviewed on Sep 05, 2015
    • Punjab National Bank Credit Card
      "A basic credit card for simple customers...."
      0.5 4.0/5 "Great!"
      Almost entire features are present in the Punjab National bank credit card like EMI and balance transfer options. Can also withdraw the cash with low rate of interest and major benefit is that we get sur charges waivers in all the fuel stations with some terms and conditions. Infact it is a â??Classic credit cardâ?? and annual charge would be nil if I cross the limit of 30k. In respect to customer service, still they have to improve and we can not contact them over phone easily.
      Was this review helpful? 5
      , gurgaon
      Reviewed on Aug 28, 2015
    • Punjab National Bank Credit Card
      "Expecting More..."
      0.5 3.0/5 "Satisfactory"
      I have a credit card from punjab national bank. I have an account with them so I got this card easily. I do not get much benefits. They offered the card in just 15 days. It was convenient for e since I had the branch near my house. Still the functioning is old , have to run table to table. ATMs are not working properly. They have to offer many new facilities to the customers. I am happy that being a teacher I got a credit card from them, which other banks refuses to do.
      Was this review helpful? 6
      , ghaziabad
      Reviewed on Aug 11, 2015
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    PNB Balance Transfer is Rated as "Excellent!" by 32 Users

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    Promised Interest Rate

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    Credit Card BYTES FROM OUR KITCHEN

    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.

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