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

Punjab National Bank Credit Card Bill Payment

 4.5 / 5.0   by 14 users
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Responsiveness

Punjab National Bank (PNB) offers a wide range of convenient payment solutions to their credit cardholders. Cardholders can pay their credit card bill either online or offline. Some of the popular payment modes are using cash, netbanking, cheque, Visa Money Transfer, and ECS.

Punjab National Bank Credit Card Bill Payment- Online Modes

Online payment modes Procedure

Auto debit

  • Login to your PNB net banking account
  • Set up standing instructions for auto debit
  • Choose either the minimum due amount or the total due amount
  • Set the date for auto debit
  • Enter the One-time Password you receive to your registered mobile number in the space provided
  • Confirm the details

Online payment/ BillDesk

  • Visit BillDesk website
  • Register if you are a new user
  • Login with your credentials if you are a registered user
  • Enter your credit card details
  • Enter the amount you wish to pay
  • Enter your e-mail ID and phone number
  • Choose the payee bank account
  • Process the payment

Electronic Clearing Service (ECS)

  • Download the ECS form from PNB website
  • Submit the duly-filed form at your bank
  • Funds will be debited from the next billing cycle

PNB netbanking

  • Login to your PNB net banking account
  • Link your credit card
  • Click on 'Pay Credit Card Bill'
  • Confirm the transaction
  • Funds will be debited instantly

National Electronic Funds Transfer (NEFT)

  • Log in to any bank's netbanking account
  • Choose 'NEFT' under 'Funds Transfer'
  • Add your PNB credit card as a beneficiary using these details
    • Name of the bank: Punjab National Bank
    • IFSC Code: PUNB0112000
    • Bank branch name: ECE House, New Delhi
    • Type of bank account: Current account
    • Account number: Your PNB credit card number
    • Transaction code: 52

  • Once you have added the credit card as beneficiary, you can pay your bill instantly.

Visa Money Transfer Facility

  • If you have a Visa debit or credit card and your bank has Visa Money Transfer facility, you can pay your PNB credit card through this facility
  • Check with your bank for terms and conditions

Punjab National Bank Credit Card Bill Payment- Offline Modes

If you do not wish to pay your PNB credit card bill online, you can choose to pay it offline by cash, cheque, or demand draft.

Offline payment modes Procedure

Cash payment

  • Visit any Punjab National Bank branch
  • Fill out the deposit slip
  • Enter your PNB credit card number in the account number row
  • Enter the amount
  • Enter your mobile number
  • Sign the deposit slip and present it at the counter
  • Collect the payment receipt from the teller

Cheque/ Demand draft

  • Draft a cheque/demand draft in favor of PNBXXXX XXXX XXXX XXXX (16-digit PNB credit card number)
  • Drop the cheque/demand draft at any one of the drop boxes placed at all PNB ATMs and bank branches

Punjab National Bank Credit Card Statement

If you are a PNB credit cardholder, you will receive a credit card statement every month to your registered mailing address or e-mail ID if you have opted for e-statements. Your PNB credit card statement will have important information about your credit card such as the due date, the accumulated reward points, interest charges if levied, the minimum due amount, the total outstanding due amount, and the billing start and end date. Your credit card statement will also list out all the debit and credit transaction made on your card with the date of the transaction, the transaction amount, and the merchant's name.

If you notice any discrepancies in your credit card statement, you can report it by dialling the helpline number 1800 180 2345 or 0120-4616200.

Frequently Asked Questions (Faqs) Of PNB Credit Card Bill Payment

  1. Does PNB charge any fee for cash payments?
  2. No. Punjab National Bank does not charge a fee for cash payments made towards credit card.

  3. What if my bank account is not funded for the auto debit?
  4. If in any month your account is not funded on the planned date of the auto debit, the payment will be dishonoured and you will be charged a fee of Rs.100. If your auto debit payment is dishonoured 2 consecutive times, the auto debit facility will be cancelled automatically.

  5. Can I choose any amount when I set-up auto debit for my PNB credit card payment?
  6. You can choose to pay the minimum due amount or the total outstanding due amount. Unfortunately, you will not be allowed to select any other amount to be auto debited.

  7. Can I pay less than the minimum due amount on the PNB website?
  8. Yes. You will be allowed to pay whatever amount you wish to pay on the Punjab National Bank's website. However, if you have not paid at least the minimum due amount in any billing cycle, the bank will record it as a default on the payment for that particular month and a late fee will be levied. The bank also reserves the right to increase your finance charges if you have high outstanding dues.

  9. Can I reach the Punjab National Bank customer care department via e-mail?
  10. Yes. You can write an e-mail to creditcardpnb@pnb.co.in.

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Credit Card Reviews

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  • Punjab National Bank Credit Card
    "Not satisfied "
    PUNJAB NATIONAL BANK
    0.5 1.0/5 "Really Bad"
    I have been applied for Punjab national bank credit card for recently, it rupay card but i am not happy with their service, i am not happy with the payment option like if any one has credit card with this bank then no use because they say that i should maintain saving account as well with them. even i got card after 5 months it was too much delay, i have issue in doing payment or doing any transactions.
    Was this review helpful? 0
    , new delhi
    Reviewed on Apr 25, 2019
  • Punjab National Bank
    Punjab National Bank Credit Card
    "Excellent"
    PUNJAB NATIONAL BANK
    0.5 5.0/5 "Blown Away!"
    I have a credit card from Punjab National Bank and its been 5 years. The credit limit needs to be improved. They don't charge annual fee. The customer service was good. I never used the Flexi Pay. I am using the card for multi purpose. Am getting multiple benefits like reward points and etc.
    Was this review helpful? 4
    , new delhi
    Reviewed on Feb 13, 2019
  • Punjab National Bank Credit Card
    "Good Card"
    PUNJAB NATIONAL BANK
    0.5 5.0/5 "Blown Away!"
    I hold PNB bank credit card and i am happy with the services. The limit given on my card is good and i am satisfied with the limit. Its a life time free card with no annual charges. Payment options are easy and The customer service is good and they are always reachable.
    Was this review helpful? 1
    , nasik
    Reviewed on Feb 02, 2019
  • Punjab National Bank Credit Card
    "Good card"
    PUNJAB NATIONAL BANK
    0.5 4.5/5 "Excellent!"
    There was no issues on the credit card experience. The customer service was very fine. I have been using Punjab National Bank card for around 10 years. I use it only for shopping and there was no offers, its just a basic card. I can covert the payment into EMI and the charges are minimal which is 3%.
    Was this review helpful? 3
    , bangalore
    Reviewed on Jan 14, 2019
  • Punjab National Bank Credit Card
    "Best Card for Online purchase"
    PUNJAB NATIONAL BANK
    0.5 4.5/5 "Excellent!"
    I have got offer like If I'm using Rs. 3000 then i don't need to pay my annual fee of Rs. 900. I used to get a cashback offer of 5% to 10% on specified shops. There are some rewards also available depends on the usage. I can withdraw the cash limit of Rs.9000. They have offered me a minimum credit limit of Rs. 30000. I'm using this card mainly for the petrol and online purchase.
    Was this review helpful? 2
    , chennai
    Reviewed on Jun 10, 2018
  • Punjab National Bank Credit Card
    "Payment Mode is Easy"
    PUNJAB NATIONAL BANK
    0.5 4.5/5 "Excellent!"
    I applied for the moneyback card. Punjab National Bank interest rates are high compared to other banks. It is easy to make the online payment. I have been using this card for 3 months. There is no much offers in this card. Due to this, I'm going to close the card. My friend recommended this card to me.
    Was this review helpful? 0
    , chennai
    Reviewed on May 11, 2018
  • Punjab National Bank Credit Card
    "Needs lots of improvement"
    PUNJAB NATIONAL BANK
    0.5 3.0/5 "Satisfactory"
    I do have PNB credit card , but its not good. Because if I make the payment on 15th, I get notification on next month, some time their server wont work to do any transactions. credit limit is also very low around Rs.20,000 they need improve on it.
    Was this review helpful? 3
    , chennai
    Reviewed on Feb 09, 2018
  • Punjab National Bank Credit Card
    "Good card to use"
    PUNJAB NATIONAL BANK
    0.5 3.0/5 "Satisfactory"
    The credit limit value is good with the PNB global platinum Visa credit card. The customer support is good with Punjab national bank. I use this card for purchases, shopping, domestic needs and for other usages. I pay the annual fee to this card .
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 25, 2018
  • Punjab National Bank Credit Card
    "Better card to use"
    PUNJAB NATIONAL BANK
    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? 2
    , jaipur
    Reviewed on Sep 20, 2017
  • Punjab National Bank Credit Card
    "Better card to use"
    PUNJAB NATIONAL BANK
    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
    "Fair!!!"
    PUNJAB NATIONAL BANK
    0.5 3.5/5 "Pretty good"
    The credit card is taken from PNB. It is a master card. for purchasing only I use this card often. There was reward point, often I used to get an email about that but I will not taken care of it. The service is good in terms of credit card. I pay the payment on time. Annual charge is Rs 200 only so nothing much to say I liked this card.
    Was this review helpful? 5
    , kashipur
    Reviewed on Jun 16, 2015
  • Punjab National Bank Credit Card
    "Excellent !!!"
    PUNJAB NATIONAL BANK
    0.5 5.0/5 "Blown Away!"
    My credit limit is 50,000 and inline credit is 25,000. Really this Punjab National Bank gold visa credit card is good but the interest rate is not much satisfactory as post 15 to 20 days the interest rate will be 28% to 30 % from outstanding amount so I use to pay the amount on time. I havenâ??t redeemed the points yet as I have 1000 to 1500 points. The redeem points can be converted in to gift card or it can be redeemed in restaurants. In respect to annual charge it is free of cost.
    Was this review helpful? 9
    , chennai
    Reviewed on Feb 21, 2015
  • Punjab National Bank Credit Card
    "Fully Satisfied with Service"
    PUNJAB NATIONAL BANK
    0.5 5.0/5 "Blown Away!"
    PNB Platinum Credit Card is best of all, their is no delay in any payments even if i pay bill after 5 days late their is charges, their is no annual and sur charge, service is good, on shopping i got Z2 Sony mobile i got reward points, thing is reward points is less best thing their is no sur charge, i am using from past 6 years, their is no disdvantage thats why i am using.
    Was this review helpful? 9
    , new delhi
    Reviewed on Jul 30, 2014
  • Punjab National Bank Credit Card
    "Life Time Free Credit Card"
    PUNJAB NATIONAL BANK
    0.5 4.0/5 "Great!"
    I have a credit card from Punjab National Bank.They provide good services and the rate of interest charged on credit card is very less.PNB provides 50 days as grace period to make the payment that is due on card and also their reward schemes are wonderful.With regard to net banking their services are very slow but the portal is secured.
    Was this review helpful? 24
    , lucknow
    Reviewed on Apr 26, 2014
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