Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    PNB Global Platinum Credit Card

    Card
    1st Year Fee
    Rewards
    Joining Perks
    500
    Response Time Within 30 minutes

    PNB Global Platinum Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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 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.

    Benefits of a PNB Global Platinum Card:

    Some of the key Platinum benefits enjoyed by PNB Global Platinum Credit Card holders have been listed below.

    • Annual Fees:

      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 and c) the card account has a good track record.

    • Joining Fees:

      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.

    • Add-on cards:

      Card holders can get up to two add-on cards for their spouse, parents and children over the age of 18 years.

    • Platinum Benefits:

      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.

    • Credit Card Account Summary:

      PNB also provides yearly account statements to all Platinum card holders, which gives them easy access to their credit card transactions.

    Features of a PNB Global Platinum Credit Card:

    A PNB Global Platinum Credit Card comes with a plethora of features as listed below.

    • Worldwide acceptance:

      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.

    • An all-purpose credit card:

      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.

    • Rewards Program:

      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.

    • Lost Card Liability:

      Any loss of credit card should be immediately reported to the 24/7 customer care centre. PNB provides lost card liability protection for all kinds of fraudulent transactions occurring after that.

    • Utility Bill Payments:

      PNB Global Platinum Credit Card holders can easily pay their mobile / telephone bills and electricity bills on the Visa Bill pay website.

    • Concierge Services:

      Platinum card holders can contact the 24/7 concierge help desk to avail any of the following services -

      • Reservations for dining
      • Bookings for travel and hotel accommodations
      • Passport / Visa assistance / Pre-trip assistance
      • Delivery of flowers and gifts
      • Lifestyle services / Booking for events and shows
      • Emergency services / Emergency Road Side Assistance / Medical Assistance / Travel Arrangements for patients
    • Dining Offers:

      PNB Global Credit Card holders can get discounts ranging from 10% to 25% on dining bills and hotel accommodation at Sarovar hotels and Resorts.

    • Wellness Offers:

      The Kairali Ayurvedic Group offers PNB Global Credit Card holders a discount of 10% on the MRP.

    Documents required:

    Fully filled-in credit card application form

    Residence Proof / ID Proof -

    • Telephone Bills / Bank Account Statement / Electricity Bills for the last three months
    • Letter from a recognized public authority
    • Letter from the applicant’s employer
    • Voter’s ID card
    • Passport
    • Driving License

    Income Proof -

    • Form 60
    • IT Returns statement
    • Salary Certificate

    If the PAN Card is not available, then Form 60-61 with a photo ID proof has to be submitted.

    Eligibility:

    • The applicant will be eligible to avail a PNB Global Platinum Credit Card only if he carries a minimum educational qualification of 10th Standard (Passed).
    • The primary card holder should be aged between 21 and 65 years and add-on credit card holders should be 18 to 65 years old.
    • Salaried employees, retired Government staff, self-employed professionals and businessmen who meet the required income criteria are eligible to apply for a PNB Global Platinum Credit Card.
    • The applicant should be employed or should reside in the city where the concerned PNB branch is located.
    • PNB requires all applicants to have a banking relationship with a good record for a minimum period of 6 months.

    Fees & Charges:

    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.

    Over 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.

    PNB Global Platinum Credit Card FAQs:

    1. How does the PNB IVR 3D secure service work?

      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.

    2. Does PNB offer different credit card bill payment options to PNB Global Platinum Credit Card holders?

      Yes, credit card payments can be made using the following services from Punjab National Bank.

      • Cheque / Draft
      • Auto Debit
      • PNB ATMs
      • Internet Banking
      • Electronic Clearing Services
      • NEFT
      • Bill Desk - Online Payments
      • Visa Money transfer Facility
    3. What is the amount that has to be paid by a PNB Global Platinum Credit Card holder every month?

      PNB Global Platinum Credit Card holders can pay any of the following, every month -

      • Minimum Amount Due
      • Total Amount Due for the month
      • Total Outstanding Amount
      • Any amount higher than the minimum due.
    4. What should a customer do if the PNB Global Platinum Credit Card has been stolen or lost?

      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.

    5. What is the interest rate charged to customers using the PNB Global EMI plan for repaying outstanding dues on their credit cards?

      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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    PNB Global Platinum Credit Card Reviews

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