Punjab National Bank Credit Card Eligibility

Updated On - 14 Sep 2025

To get a PNB credit card, you need to meet the eligibility criteria. These eligibility criteria factors can differ from bank to bank. Mostly the Punjab National bank will look into your income and credit history while you are applying for a credit card.

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Punjab National Bank Credit Card Eligibility Criteria

Income

Minimum-Rs.80,000 per year

Age

21 to 65 years

Interest Free Period

Up to 50 days

Employment

Salaried or self-employed

ATM Cash Withdrawal Charges

2.50% of the amount that has been withdrawn

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Punjab National Bank Credit Card Eligibility Factors

Income Criteria:

  1. You need to have a regular income in order to get a Punjab National Bank credit card. You have to show a minimum income of Rs.80,000 every annum. The income criteria will change from one card to another. You can a salaried employee or a self-employed professional.

Age Criteria:

  1. In order to apply for a Punjab National Bank credit card, you have to be a minimum of 21 years old and up to 65 years.

Nationality:

  1. You should be a resident and citizen of India.
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Types of Punjab National Bank Credit Card

  1. Cashback Card
  2. Shopping Card
  3. Travel Card
  4. Rewards Card
  5. Life Time Free Card
  6. Lifestyle Card
  7. Business Card
  8. Entertainment Card

Documents Required to Apply for a Punjab National Bank Credit Card

  1. Address proof
    1. Passport
    2. Driving licence
    3. Voters ID card
  2. Identity proof
    1. Bank statement
    2. Voter ID card
    3. Driving licence
    4. Pension book
  3. Income Proof
    1. Bank statement
    2. Pay slip
    3. Income Tax return
  4. PAN Card
  5. Passport size photo

PNB Credit Card Application Online for New Customers

  1. You should go to the 'Credit Cards' page of the website of Punjab National Bank.
  2. Type in your contact details.
  3. Once the verification is complete, a representative will get in touch with you and guide you through the process of application.
  4. You should submit the KYC documents and income proof.

You can visit a Punjab National Bank branch in order to apply for a credit card.

PNB Credit Card Application Online for Existing Customers

  1. Go to the 'Credit Cards' page of the website.
  2. Type in your net banking customer ID and mobile number.

You can visit any Punjab National Bank branch and apply for a credit card.

FAQs on PNB Credit Card Eligibility

  • What will be the minimum educational qualification I need in order to apply for a Punjab National Bank credit card?

    The educational qualification criteria that have been set is a 10th grade pass in order to get a credit card.

  • Who is eligible for a credit card from Punjab National Bank?

    Any salaried and self-employed person who meets the criteria can apply for a Punjab National Bank credit card.

  • Do I need to have an account with the bank to be eligible for a credit card?

    Yes, you need to have an account with the bank for a minimum period of 6 months to get a credit card.

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