Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 PNB Global Classic Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    Nil
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    Fee Details
    PNB Global Classic Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    PNB Global Classic Credit Card

    Overview:

    The PNB Global Classic Credit Card is a multipurpose credit card that meets all the unique requirements of a cardholder. This card can be used for dining, shopping, vacationing, booking transport reservations, purchasing fuel, etc. with the additional benefit of being able to earn reward points that can be redeemed for attractive gifts.

    Benefits of the PNB Global Classic Credit Card:

    • Utility Bill Payment Facility:

      You can also use this card for paying your utility bills such as mobile/telephone bills, electricity bill, gas bill, etc.

    • Sarovar Hotels:

      Use your PNB Global Classic Credit Card and avail a discount on Foods & Beverages at Sarovar Hotels, worth 10%-25% of the transaction amount.

    • Kairali Ayurvedic Group:

      Use your PNB Global Classic Credit Card and avail a discount of 10% off on MRP at the outlets of Kairali Ayurvedic Group.

    • Add-on Card:

      The primary cardholder can share his/her credit limit with their loved ones by availing an add-on card for them. The applicant’s children can also avail this add-on card if they are over 18 years old.

    • Photo Cards:

      Customers can choose to have their photos imprinted on their credit cards. This enables better security and easy recognition at merchant outlets.

    • Fuel Surcharge Waiver:

      For fuel transactions worth Rs. 400 to Rs. 3000, the PNB Global Classic Credit Card holders can enjoy a fuel surcharge waiver.

    • Purchase of Railway Tickets:

      Credit Cardholders can also enjoy surcharge waivers on railway ticket purchases and can avail a waiver of 2.5% at railway counters and 1.8% at IRCTC websites.

    Features of the PNB Global Classic Card:

    • Global Customer Entitlement:

      Customers can use their PNB Global Classic Credit Card at any merchant outlet worldwide that accepts Visa Cards. ATMs in India as well as abroad also accept this card for cash withdrawals, if it has displayed a Visa logo.

    • Free Credit Period:

      The cardholder can enjoy an interest free credit period of 20 days to a maximum of 50 days, if you have made a full payment towards the outstanding dues on your credit card on or before the due payment date.

    • Revolving Credit Facility:

      The cardholder can pay a minimum amount due on his/her credit card than pay the overall outstanding dues and the remaining balance will be adjusted towards the next month’s bill.

    • Balance Transfer Facility:

      This credit card also comes with balance transfer facility wherein you can transfer any outstanding balance on your other bank’s credit cards to this credit card and consolidate the payment towards the same.

    • Customer Support:

      Customer support is available around the clock and you can get assistance for information regarding credit limit/cash limit, outstanding balance on the card, the latest transactions made on the card, confirm receipt of payment made towards outstanding, redemption of reward points, place request for ATM PIN/ monthly account statements, etc.

    • Rewards Programme:

      Earn 2 reward points for every Rs. 100 spent on the card. Once the cardholder has accumulated 500 reward points he/she can redeem them for any exciting gift from the rewards catalogue.

    • EMI Facility:

      Avail EMI facility available on this card to convert your high end purchases to simple and affordable EMIs that can be repaid on a monthly basis. Customers can avail this facility within 10 days of making a purchase.

    Eligibility Criteria:

    In order to be eligible for the PNB Global Classic Credit Card, you have to fulfill the following eligibility criteria:

    • Educational qualification: the applicant must have passed his 10th standard exams at least, in order to qualify for a PNB Global Classic Credit Card.
    • The applicant must be at least 21 years old and not more than 65 years of age, in order to be eligible for this credit card.
    • The add-on cardholder must not be below 18 years of age or above 65 years of age.
    • Salaried applicants must fulfill an income criteria of minimum Rs.1,00,000/- annually.
    • Applicants who are into business or are self-employed/ professionals they must also fulfill an income criteria of at least Rs.1,00,000/- annually.
    • He/she must either be a Resident of India or must reside within the city limits of the Bank’s branches.

    Documentation:

    The documentation that has to be submitted by the applicant at the time of application is as follows:

    • Address Proof: The applicant must provide proof of residence at the time of application. It can be any of the following documents - Electricity Bill, Telephone Bill, Bank Account Statement, Letter from the employer, Letter from a bank-approved recognized public authority, etc.
    • Identity Proof: The applicant also has to submit valid identity proof at the time of applying for this credit card. It can be any of the following documents - Voter’s Identity Card, Passport, PAN Card, Identity Card, Driving License, Letter from a bank-approved recognized public authority or public servant verifying the applicant’s identity and residence.
    • PAN Card copy which is self-attested; or Form 60 / 61.
    • Proof of Income can be submitted in the form of Salary Certificate, IT Returns, copy of Form 16, or Salary Certificate.

    Fees and Charges:

    Initial Joining Fee

    Nil

    Add-on Card Fee

    Nil

    Renewal Fee

    Nil

    Annual Fee

    Nil

    Finance charges on revolving credit, outstanding amount, cash withdrawn on credit card, etc.

    2.45% per month

    APR on Revolving Credit

    29. 81% per annum

    Cash Advance Transaction Charges in PNB’s ATMs

    2% of the cash withdrawn or Rs. 50, whichever is the highest.

    Cash Advance Transaction Charges in other ATMs

    2% of the cash withdrawn or Rs. 75, whichever is the highest.

    Cash Advance Transaction Charges Overseas

    2% of the cash withdrawn or Rs. 150, whichever is the highest.

    Late Payment Fees

    30% of the minimum amount due, with a minimum amount of at least Rs. 200 and a maximum of Rs. 500 in each billing cycle.

    Overlimit Fees

    2.5% or Rs. 250, whichever is the highest.

    Cheque Dishonour Charges

    Rs. 100 per incident

    Charges applicable on provision of Duplicate Statement of account, beyond 3 months

    Rs. 50

    PIN replacement fee

    Rs. 50 per card

    Retrieval of Charge slip

    Rs. 100

    PNB Global Classic Credit Card FAQs:

    1. What is the lost card liability?

      The PNB Global Classic Credit Cardholder can enjoy freedom from financial liability that arises from unauthorized transactions on your lost or stolen credit card, if he/she has reported the same to the Bank through the customer service helpline.

    2. How can I report the loss of my credit card?

      In order to report the loss of your credit card you have to inform the customer care helpline of the same and then file a police report for the loss/theft of the card. Then you have to send a letter to the Bank as a confirmation of the loss of card, with the FIR copy attached.

    3. Will I get alerts for transactions made on my credit card account?

      Yes, you will get SMS Alerts for every transaction made in your credit card account.

    4. How can I change my residential address submitted at the Bank?

      The primary cardholder can place a request for making a change to his/her existing residential or employment address or other details such as telephone/mobile number, etc. by contacting the Bank’s Call Centre, through the Bank’s website or via a letter to the concerned Bank authorities.

    5. How is an IVR transaction conducted?

      The Interactive Voice Response (IVR) transactions can be conducted over the phone by the cardholder and all he/she has to do is enter the Credit Card number on an automated system in order to make a payment to a merchant towards the purchase of goods and services.

    6. Can I perform the IVR transaction without OTP?

      No, a PNB credit card IVR transaction cannot be conducted without using OTP.

    Other Top Credit Cards By PNB Bank

    PNB Global Classic 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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