The world is your oyster and the sky's the limit when you shop with a PNB Global Platinum Credit Card. Platinum members can enjoy exceptional privileges and special offers from PNB, when they use their PNB credit cards for making everyday purchases. The PNB Global Platinum Credit Card opens a whole new world of benefits inclusive of annual fee waivers, add-on cards, platinum benefits, worldwide acceptance and an attractive rewards program. As security features, this card carries an embedded microchip which protects online transactions against cyber-attacks and customers can also enjoy insurance protection in the form of lost card liability for their PNB Global Platinum Credit Cards.
Some of the key Platinum benefits enjoyed by PNB Global Platinum Credit Card holders have been listed below.
The annual fees for a PNB Global Platinum Credit Card will be waived off if -
a) the spend on the card is more than the credit limit,
b) there is atleast one retail purchase transaction in a quarter
c) the card account has a good track record.
The Joining Fee charged for a PNB Global Platinum Credit Card will be refunded by PNB if the card holder has made purchases above the credit card limit within the first six months of usage.
Card holders can get up to two add-on cards for their spouse, parents and children over the age of 18 years.
As part of platinum benefits, PNB provides priority customer care services and additional incentives in the form of merchant offers to PNB Global Platinum Credit Card holders.
PNB also provides yearly account statements to all Platinum card holders, which gives them easy access to their credit card transactions.
A PNB Global Platinum Credit Card comes with a plethora of features as listed below.
The PNB Global Platinum Credit Card is accepted at over 3, 80,000 merchant outlets and at over 30,000 ATMs in India. Worldwide, this credit card is accepted at 29 million outlets and 1 million Visa ATMs.
The PNB Global Platinum Credit Card is a multipurpose credit card which can be used for shopping, dining, travel, railway ticket bookings and also for refueling.
Customers can earn 1 rewards point for every Rs 100 spent using the PNB Global Platinum Credit Card. Accrued points can be redeemed for exciting gifts from PNB’s rewards program. Retail transactions get customers 2 rewards points for every Rs 150 spent using the Platinum card.
Any loss of credit card should be immediately reported to the 24/7 PNB credit card customer care. PNB provides lost card liability protection for all kinds of fraudulent transactions occurring after that.
PNB Global Platinum Credit Card holders can easily pay their mobile / telephone bills and electricity bills on the Visa Bill pay website.
Platinum card holders can contact the 24/7 concierge help desk to avail any of the following services -
PNB Global Credit Card holders can get discounts ranging from 10% to 25% on dining bills and hotel accommodation at Sarovar hotels and Resorts.
The Kairali Ayurvedic Group offers PNB Global Credit Card holders a discount of 10% on the MRP.
| Primary Cards - Annual Fees |
Rs. 500 The annual fee will not be levied if the credit card has been taken against a fixed deposit. |
| Add-on Cards - Annual Fees |
Nil |
| Primary Cards - Joining Fees |
Rs. 500 The joining fee will not be levied if the credit card has been taken against a fixed deposit. |
| Add-on Cards - Joining Fees |
Rs. 500 This fee will not be levied if the credit card has been taken against a fixed deposit. |
| Renewal Fees |
Nil |
| Revolving Credit - Annualized percentage rate |
29.81% per annum 19.56% per annum for credit cards taken against a fixed deposit. |
| Finance charges - Interest rate per month on revolving credit, amount overdue and cash withdrawals. |
2.45% per month 1.5% per month for credit cards taken against a fixed deposit. |
| Cash advance transaction charges - At PNB ATMs |
2% of the amount withdrawn or Rs.50, whichever is higher. |
| Cash advance transaction charges - At Other ATMs |
2% of the amount withdrawn or Rs.75, whichever is higher. |
| Cash advance transaction charges - ATMs Overseas |
2% of the amount withdrawn or Rs.150, whichever is higher. |
| ver Limit Charges |
2.5% or a minimum of Rs.500. Rs 250 is charged for credit cards taken against a fixed deposit. |
| Dishonour of ECS / Return of cheque / Auto Debit |
Rs.250 per instance Rs. 100 is charged for credit cards taken against a fixed deposit. |
| Card replacement fee |
Rs.250 per instance Rs. 100 is charged for credit cards taken against a fixed deposit. |
| Duplicate statement |
Free Rs. 50 is charged for credit cards taken against a fixed deposit. |
| Pin replacement fee |
Rs.100 per card Rs. 50 is charged for credit cards taken against a fixed deposit. |
| Balance transfer interest charges |
0.99% per month |
| Balance transfer processing fees |
1% of the transfer amount or Rs.199, whichever is higher. |
| Interest Free Period |
20 - 50 days |
| Cash Advance Limit |
40% of the credit limit PNB Staff - 20% of the credit limit |
| Minimum amount due |
5% of total amount due |
| Late Payment Fee |
30% of minimum amount due or a minimum of Rs.500 / billing cycle. |
Fully filled-in credit card application form
Residence Proof / ID Proof -
Income Proof -
If the PAN Card is not available, then Form 60-61 with a photo ID proof has to be submitted.
The PNB IVR 3D Secure offers an additional level of security via One Time Passwords for making IVR transactions using the PNB Global Platinum Credit Card.
PNB Global Platinum Credit Card holders should immediately inform the 24/7 customer care helpdesk to block the card and then request for a replacement.
PNB charges an interest rate of 1.5% per month (18% per annum) under the PNB Global EMI plan for Platinum Credit Card holders.
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