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  • Punjab National Bank Credit Cards is Rated as "Excellent!" by 53 Users

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    Promised Interest Rate

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    Punjab National Bank Credit Cards

    Punjab National Bank is an Indian financial services company based in New Delhi, India. Founded in 1894, the bank has over 6,300 branches and over 7,900 ATMs across 764 cities. It serves over 80 million customers. It offers personal, social, agricultural, international and corporate banking services.

    Punjab National Bank offers 3 credit cards to its customers that comes with unique features and privileges. Each card has special benefits that meets the overall requirements of a cardholder and they can choose a card according to the features that matches their specific needs. These three credit cards- The PNB Global Platinum Credit Card, The PNB Global Gold Card and The PNB Global Classic Credit Card.

    Why Choose Punjab National Bank Credit Card?

    PNB Global credit cards are valid around the globe and is accepted in more than 29 million merchant establishments and one million ATMs that accepts Visa. These credit cards come with attractive offers at leading merchant outlets and exciting rewards that can be redeemed by accumulating reward points on your spends. Multiple features available on this card will ensure that you have a safe, convenient and beneficial experience while purchasing goods and services.

    Features and Benefits of Punjab National Bank Credit Card:

    • Utility Bill Payment Facility:
    • The PNB Global credit cards can be used for paying utility bills such as electricity bill, gas bill, mobile/telephone bills, etc. on time.

    • Add-on Card:
    • PNB Global credit cards extend the facility of having supplementary cards for the primary cardholder’s family members through which they can share the credit limit available on the primary card. Children of the cardholder who are over 18 years old can also enjoy this facility.

    • Purchase of Railway Tickets:
    • The PNB Global 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.

    • Free Credit Period:
    • There is an additional feature of saving on interest to be paid, wherein the cardholder can be eligible for an interest free credit period of 20 days to a maximum of 50 days, if he/she has fully paid the outstanding amount on the last statement, on or before the payment due date.

    • Revolving Credit Facility:
    • The cardholder has various repayment options available to him/her that is flexible and can be changed according to their ability to pay. The revolving credit facility enables the customer to pay the minimum amount due instead of the overall outstanding dues on his/her credit card and the balance amount can be adjusted in the next billing cycle.

    • Balance Transfer Facility:
    • The Balance transfer facility available on these credit cards lets you transfer outstanding balance on any other bank’s credit cards in your name, to this card’s outstanding balance. This helps you to consolidate repayment systematically and at a lower rate of interest.

    • Customer Support Services:
    • Customer support services are offered around the clock for customers who choose any of the 3 available PNB Global credit cards. Assistance will be provided during emergencies and also for other purposes such as: the recent transactions made on the card, outstanding balance on the card, information regarding credit limit/cash limit, reward point redemption, confirm the receipt of installments made towards outstanding, place a service request for changing ATM PIN, to receive monthly account statements, etc.

    • EMI Facility:
    • PNB Global Credit cardholders can avail the EMI facility offered by the bank when they make high-value transactions on the card and wish to repay in installments. If the customer wishes to use this facility, they have to place a request for the same within 10 days of making the purchase. The sum due can be paid in equated monthly instalments over a definite period of time. A nominal interest rate is levied on this transaction, by the Bank.

    • Concierge Services:
      1. Those who opt for a PNB Global Platinum credit card can avail the assistance of the concierge help desk which is available around the clock, to enjoy services such as -
      2. Travel booking and hotel reservations
      3. Reservations at restaurants for dining
      4. Visa/ Passport assistance as well as Pre-trip guidance
      5. Delivery of gifts and flowers
      6. Booking seats at events and shows as well as other Lifestyle services
      7. Emergency services such as Medical Assistance, Roadside Assistance and Travel Arrangements for patients, etc.

    PNB Credit Card Charges and Interest:

    Charge

    The PNB Global Platinum Credit Card

    The PNB Global Gold Card

    The PNB Global Classic Credit Card

    Entry fee

    Rs. 500

    Rs. 300

    Nil

    Annual Fee

    Rs. 500

    Nil

    Nil

    Renewal fee

    Nil

    Nil

    Nil

    Add on cards

    Rs. 500

    Nil

    Nil

    Rate of interest per month

    2.45% per month

    2.45% per month

    2.45% per month

    Punjab National Bank Rewards Programme:

    PNB Global Classic Cardholders can earn 2 reward points for every Rs. 100 spent using this card. Reward points can be redeemed only if the cardholder has accumulated at least 500 reward points. The PNB Global Gold Credit Card and the PNB Global Platinum Credit card provides customers the opportunity to earn 1 reward point for every Rs. 100 spent on their respective cards. Platinum credit cardholders can also enjoy more reward points on retail transactions, i.e., they can earn 2 rewards points for every Rs. 150 spent on the card.

    Eligibility:

    In order to be eligible for the PNB Global Credit Cards, you have to fulfill certain eligibility parameter, which are as follows:

    • In order to qualify for a PNB Global Credit Card the educational qualification requirement for the applicant is that he/she should have at least passed their 10th standard exams.
    • Age criteria: The applicant should be at least 21 years old and not over 65 years of age, in order to be eligible for this credit card.
    • The add-on cardholder must not be less than 18 years of age or more than 65 years of age.
    • Salaried applicants must fulfill an income criteria of minimum Rs.1,00,000/- annually for being eligible for a PNB Global Classic Credit card and a minimum of Rs. 2, 50, 000/- for being eligible for a PNB Global Gold Credit card.
    • Applicants who are into business or are self-employed/ professionals must also fulfill an income criteria of at least Rs.1,00,000/- annually for being eligible for a PNB Global Classic Credit card and a minimum of Rs. 2, 00, 000/- for being eligible for a PNB Global Gold Credit card.
    • The applicant should be an Indian Resident or must reside within the city limits of the Bank’s branches.

    Punjab National Bank Credit Card Documents Required:

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

    • PAN Card copy which is self-attested; or Form 60 / 61.
    • Proof of Residence: The applicant must provide address proof at the time of applying for a PNB Global Credit Card. He/she can submit any of the following documents for this purpose - Telephone Bill, Bank Account Statement, Electricity Bill, Letter from a recognized public authority which is approved by the bank or Letter from bank-recognized employer.
    • The applicant must have an existing relationship with the Bank which has been prevalent for a minimum period of 6 months at least.
    • Identity Proof: The applicant also has to submit a valid identity proof at the time of applying for the PNB Global credit card. It can be any of the following documents - Passport, Voter’s Identity Card, PAN Card, Company ID Card, Driving License, Letter from a bank-approved recognized public authority or public servant that verifies the applicant’s identity and residence.
    • Proof of Income: The Salary Certificate, copy of Form 16, IT Returns, or Salary Certificate can be submitted by the applicant as proof of income.

    List of Punjab National Bank Credit Cards:

    The PNB Global Platinum Credit Card - This credit card comes with multiple privileges to enhance convenience in your lifestyle. You can earn reward points each time you spend money on shopping, travel, dining, entertainment, etc. using this card. With additional welcome points you can redeem exciting rewards available on the extensive rewards catalogue. Avail facilities such as free airport lounge access, air travel accident insurance, and much more. This card also comes with a special concierge service that can be used by the cardholder.

    The PNB Global Gold Card - The PNB Global Gold Credit Card is an international credit card that comes with multiple purchase benefits and privileges. It can be used for shopping, travelling, dining, etc. is and is valid around the globe at merchant outlets that accept VISA as well as in domestic and international ATMs that accept VISA.

    The PNB Global Classic Credit Card - With the PNB Global Classic Credit Card, customers can enjoy benefits such as zero joining fee, annual fee and renewal fee as well as other benefits offered by Punjab National Bank like interest-free credit period, surcharge waivers on fuel, railway tickets, etc., global validity, and much more. You can also earn rewards every time you spend.

    PNB Credit Card FAQs:

    1. What are the discount offer available on the PNB Global Credit cards?

      PNB Global Credit cards offer discounts at leading merchant outlets that offer lifestyle services, such as the Sarovar Hotels and the Kairali Ayurvedic Group. The PNB Global Credit Card can be used to avail a discount of 10% to 20% on Food and Beverages at the Sarovar Hotels, and a discount of 10% off MRP on products and services offered by the Kairali Ayurvedic Group.

    2. What is an IVR transaction?

      An Interactive Voice Response transaction (IVR) can be conducted over the phone. The customer can provide his/her Debit/Credit Card number and follow the directions given by the Bank’s automated system and make payments towards the purchase of goods and services etc.

    3. How does PNB IVR 3D secure service help increase security?

      The ‘IVR 3D Secure’ system offers added protection to your IVR transactions, by authorizing it though an OTP sent to the cardholder on his/her mobile number which has been registered at the time of application. This method can also be used to make purchases through any merchant IVR system as well.

    4. Can I perform an IVR transaction without entering the OTP?

      No, the IVR transaction feature on the PNB Credit Cards cannot be done without using the OTP.

    5. What is the validity period of the OTP?

      An OTP sent to the customer’s registered mobile number is valid only for 60 minutes and is applicable only on not more than transaction. Therefore, the cardholder has to receive a new OTP for each transaction.

    *Note: All the rates are subject to change, therefore, customers are required to keep on checking the rates from time to time.

    Punjab National Bank Credit Cards Reviews

    • Punjab National Bank Credit Card
      "Payment Mode is Easy"
      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
      "Experience is good"
      0.5 4.0/5 "Great!"
      I hold a credit card with PNB. There are good offers on the card. The credit limit is also good. There are no charges. The card is also accepted every where and I earn points on all the transactions. The statements are clear and sent to me on time.
      Was this review helpful? 0
      , ranchi
      Reviewed on Apr 29, 2018
    • Punjab National Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was PNB bank which was taken 5 years back. The given credit limit was 5 lakhs which is satisfactory . They have offered visa International card .The customer service and responses was up to the mark. The fees and chargers are nominal.My overall epxrerence was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 12, 2018
    • Punjab National Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I use the PNB global gold credit card for more than 5months. The customer support service and the response is good with the PNB and they give immediate response to the customers. The credit limit value is high with this PNB global gold credit card and i am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 29, 2018
    • Punjab National Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I had started using the THE PNB GLOBAL PLATINUM CREDIT CARD around 4 months ago. I use this card for shopping , movie tickets, online shopping , cab bookings and for other usages. The credit limit value is very good with this THE PNB GLOBAL PLATINUM CREDIT CARD and I am satisfied with it.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 14, 2018
    • Punjab National Bank Credit Card
      "Needs lots of improvement"
      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? 0
      , chennai
      Reviewed on Feb 09, 2018
    • Punjab National Bank Credit Card
      "Good card to use"
      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
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with PUNJAB NATIONAL BANK with a limit of 50 thousand. I am satisfied with the limit. i have received the reward points with the card.There is an annual charge of 499. Offers with book my show and make my trip. Not yet redeemed those points.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 11, 2018
    • Punjab National Bank Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      I have been using quite a few Credit Cards but this is the one of those average card that I have. Their Customer service is one of the best that I have ever seen though. Even for smallest thing they call me up and confirm me. I have been given a Credit Limit of 20000.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jan 07, 2018
    • Punjab National Bank Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      They have given me a good limit in the Card of Rs.50000. The number of cashback available in the card is quite impressive. I have been making my repayment done through cash. The usage of the card is also pretty good. The overall experience with them has been good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 06, 2018
    • Punjab National Bank Credit Card
      "Looking for better credit limit"
      0.5 3.5/5 "Pretty good"
      PNB credit card service is good but credit limit is low, their customer service and response is prompt. But interest rate is slightly higher than SBI. However I am holding life time credit card from 9 months. Its a convenient to access VISA credit card anywhere.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 09, 2017
    • Punjab National Bank Credit Card
      "Need lots of improvement"
      0.5 3.0/5 "Satisfactory"
      Recently I got PNB credit card, there was no offers at all and the given credit limit is not good. After applying the card, I got the call after one month, the processing time was delay. It would be great if enhance the limit with good quick process and also I could add money in Paytm, card feature should be improved.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 06, 2017
    • Punjab National Bank Credit Card
      "Perfect card to use"
      0.5 4.0/5 "Great!"
      I am using the Pnb global platinum credit card just for 3 months. The credit card service is very good with the PNB global platinum credit card. The credit limit is average with this card and I am satisfied with it. The rat of interest and the charges are average with PNB global platinum credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 29, 2017
    • Punjab National Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the Punjab National Bank credit card and the customer service is good one too. I would like to say that the credit limit value is good one for me and the response is good one too. I am happy with the Punjab National Bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 28, 2017
    • Punjab National Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      The experience with Punjab National Bank in regards to my Credit has been pretty good. They give you good Credit limit and has good advantage once the repayment are done within the time frame. The Card was disbursed pretty easily without any fuss.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 21, 2017
    • Punjab National Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I am holding the PNB Global credit card for more than a year. I use this card for shopping, bill payments, recharges and for other usages. I am not satisfied with the credit limit with this card. They need to increase the credit limit. The rate of interest and the charges are average with the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 20, 2017
    • Punjab National Bank Credit Card
      "Good usage"
      0.5 4.0/5 "Great!"
      I have a credit card with Punjab National Bank with a limit that i am very satisfied with. I have had no issues with the card as well as the services for it. I use the card often and there is no issues with the usage so far. I also have good offer that i get with the card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 17, 2017
    • Punjab National Bank Credit Card
      "Good"
      0.5 4.5/5 "Excellent!"
      My credit card was taken with Punjab National Bank. I am using it for more than 5 years. I hold Platinum credit card, it is a international card. The reward points and cash back offers are good. The customer service and response is fine. They are giving good discounts as well.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 11, 2017
    • Punjab National Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have the Platinum credit card with PNB for more than 1 year. The service is good with the PNB credit card department. The customer support is also good with PNB .I am satisfied with the credit limit. There is no annual fee to this PNB platinum credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 07, 2017
    • Punjab National Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using PNB credit card from last 7 years, the services provided by PNB credit card is comparatively good. There was no annual fee charged at the time of getting this credit card. Credit limit is satisfactory in this credit card. I use this card for shopping and for all other general purpose.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 31, 2017
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