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  • Punjab National Bank Credit Cards

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  • 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 credit 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 card 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:
    • PNB 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. 30 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:

    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.

    PNB Global Gold Credit Card - This 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.

    PNB Global Classic Credit Card - With this credit card the 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.

    6. What do I do if I do not have a Form 60 or Form 61?

      You can always submit your PAN card as a document when you apply for the Punjab National Bank Credit Card.

    7. How much does it cost to get an add-on credit card?

      The add-on credit for the PNB Global Platinum Credit Card costs Rs.500.

    8. What is the interest rate for a PNB credit card?

      The interest rate for all credit cards, PNB Global Platinum Credit Card, NB Global Gold Card and PNB Global Classic Credit Card is 2.45% per month.

    9. Are there any rewards that I can get if I have a PNB credit card?

      All PNB Global Classic Cardholders will earn 2 reward points every time they spend Rs.100. These reward points can be redeemed only if you have accumulated at least 500 points. A PNB Global Gold Credit Card and a PNB Global Platinum Credit card owner can earn 1 reward point for every Rs.100 they spend. All Platinum credit cardholders will receive 2 rewards points when they spend Rs.150 spent on the card.

    10. How old should I be to get a credit card?

      You should be at least 21 years. The maximum age for applying for a PNB credit card is 65 years. To apply for an add-on credit card, you have to be at least 18 years and not over 65 years of age

      

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    Punjab National Bank Credit Cards Reviews

    • Punjab National Bank Credit Card
      "Need to improve the update"
      0.5 2.5/5 "Just OK"
      I have a credit card from Punjab National bank and their website is not a friendly one because its out dated one hence I'm not using this card much. I just hold this card in my wallet because it does not have any annual fee. Its my first credit card. It will take almost 45 minutes to reach out their customer care service.
      Was this review helpful? 3
      , kochi
      Reviewed on Mar 02, 2020
    • Punjab National Bank
      Punjab National Bank Credit Card
      "Need to decrease interest charge"
      0.5 3.5/5 "Pretty good"
      I am using PNB credit card for more than 2 years. It has applied directly to bank. Since it is a free card so chosen it. The credit limit is good. EMI conversion is avail in this card but charges are high only that was unhappy. I use this card for fuel and travel purpose so there is some additional charges are avail in this card. I use to get movie ticket offers but I wont use it.
      Was this review helpful? 2
      , bangalore
      Reviewed on Feb 05, 2020
    • Punjab National Bank Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have punjab National Bank credit card which was taken through Bank.This was a free card and the credit limit was 30,000 which is not up to the mark.There was no benefits and features so far .I am using this credit card based on the requirement .I am totally satisfied with the service so far .
      Was this review helpful? 4
      , solan
      Reviewed on Jan 22, 2020
    • Punjab National Bank Credit Card
      "Average service "
      0.5 2.5/5 "Just OK"
      Since I have a account with Punjab national bank, they offered a credit card and I am using for last 3 years. Limit does not matter as I have other cards also. It is a life time free card. I am not getting more benefits in this card so I use in rare scenario.
      Was this review helpful? 2
      , ambala
      Reviewed on Nov 21, 2019
    • Punjab National Bank Credit Card
      "Very Simple to use"
      0.5 5.0/5 "Blown Away!"
      PNB charges are quite less and convenient. PNB card is very simple and there is no annual fee, financial charges and no late fee. I can easily convert the rewards points into cash by making a single call. PNB customer care support is very good and easily available for all the time. There is no such offers like other credit card.
      Was this review helpful? 2
      , agra
      Reviewed on Oct 11, 2019
    • Punjab National Bank Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have selected punjab national past 5 rs, sufficient is limit provide time credit card, while transaction no rewards and cash back offer.while documents submitted on line there is no delay credit card, All notification email and message from banker end.
      Was this review helpful? 6
      , vadodara
      Reviewed on Aug 05, 2019
    • Punjab National Bank Credit Card
      "Card deals are good"
      0.5 5.0/5 "Blown Away!"
      I bank with Punjab National bank for the credit card. The customer services and response is good and there are no hassles in the process to get the card. The transactions are smooth. The statements are clear and the billing has been on time. No issues.
      Was this review helpful? 3
      , thane
      Reviewed on Jul 25, 2019
    • Punjab National Bank Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with PUNJAB NATIONAL BANK where the card has the lesser credit limit but it is a life time free card added on that i am using it since from lats 3 years. There are good offers and benefits provided by the card., The overall service is good.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jul 20, 2019
    • Punjab National Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding credit card with Punjab national bank,their service is too good, they have not charged annual fee in this card, and i am happy with there credit limit, and i got this credit card as i have my salary account with it so they have given me this credit card, overall service is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 11, 2019
    • Punjab National Bank Credit Card
      "Need to prvide cash back"
      0.5 4.0/5 "Great!"
      I am holding PUNJAB NATIONAL BANK credit card for more than 9 years. It is a life time free credit card and the limit is good. The service is good in this bank but there is no much discounts are providing. I use this card for shopping purpose based on the usage I get reward points but I have not receive cash back yet. If I spend for 100 rupees I get 1 point. It is avail for an EMI option.
      Was this review helpful? 3
      , patna
      Reviewed on Jul 11, 2019
    • Punjab National Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding Punjab national bank credit card from long time, they have given me this card because i am already existing account holder of this bank, they have not charged me annual fee as in this card as it is life time free credit card, the credit limit which they have given to me was good.
      Was this review helpful? 3
      , faridabad
      Reviewed on Jul 11, 2019
    • Punjab National Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using Punjab national bank credit card from long bank, they have not charged me any annual fee as it is life time free credit card, the credit limit which they have given to me was good, their mobile application is good. They use to give good offers on regular basis.
      Was this review helpful? 2
      , chennai
      Reviewed on Jul 06, 2019
    • Punjab National Bank Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with PUNJAB NATIONAL BANK . I am getting good offer with this card such as on i use to get cash back .I am happy with the interest rate with this bank . This bank provides the best interest rates compare to all other banks. Overall it is good card .
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 23, 2019
    • Punjab National Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding PUNJAB NATIONAL BANK credit card for more than 9 years which was processed directly to bank.It is a life time free card which was offered from bank. The limit is sufficient to use in this bank. I use this card for booking tickets.So I get cash back based on the usage.
      Was this review helpful? 2
      , new delhi
      Reviewed on Jun 20, 2019
    • Punjab National Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have a Punjab National Bank credit card which was directly taken from the bank, I am using this card for more than a year. The customer service is good as I get a immediate response when I contact them for any query. I have reward points and cash back offers as well .I am comfortable with this service.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jun 02, 2019
    • Punjab National Bank Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      My application was taken with PUNJAB NATIONAL BANK . Offers is good with this card and even i use to get good discount while shopping . I am holding this card for past 1 year . I use this card for multipurpose . The process and documentation is happen on time .
      Was this review helpful? 0
      , chennai
      Reviewed on May 31, 2019
    • Punjab National Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      My application was taken with PUNJAB NATIONAL BANK . Offers is good with this card and even i use to get good discount while shopping . I am holding this card for past 1 year . I use this card for multipurpose . The process and documentation is happen on time .
      Was this review helpful? 2
      , new delhi
      Reviewed on May 23, 2019
    • Punjab National Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Punjab National Bank Credit card which was directly applied and using for the past 2 years.This is a free card and the credit limit was also sufficient,customer service is very nice so far no issues faced on using this card ,There are cash back reward points as well. Cash back offers and reward points are there getting regularly.
      Was this review helpful? 1
      , new delhi
      Reviewed on May 20, 2019
    • Punjab National Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding PUNJAB NATIONAL bank credit card for more than one year. I got an offer from bank to apply. It is an annual fee chargeable. On time the card was received. The credit limit is more than sufficient. The customer service is good and also it is very much supportive too.
      Was this review helpful? 3
      , noida
      Reviewed on May 17, 2019
    • Punjab National Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using Punjab National Bank credit card which am happy with the benefits. The customer service is very good. I never tried for EMI conversion but it has option for it. I do get a reward points on my transactions. The platinum card is a life time free.
      Was this review helpful? 3
      , new delhi
      Reviewed on May 15, 2019
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