Punjab National Bank offers 8 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.
|Card Variant||Joining Fee|
|PNB Global Platinum Credit Card||Nil|
|PNB Global Gold Credit Card||Nil|
|PNB Global Classic Credit Card||Nil|
|PNB Wave & Pay Credit Card||Nil|
|PNB RuPay Platinum Credit Card||Nil|
|PNB RuPay Select Credit Card||Rs.500|
|PNB RuPay Rakshak Platinum Credit Card||Nil|
|PNB RuPay Rakshak Select Credit Card||Rs.500|
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.
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.
|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 offers add-on or supplementary credit cards for family members of the primary cardholder.|
|Purchase of Railway Tickets||Waiver of 2.5% at railway counters and 1.8% at IRCTC websites.|
|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|
|Balance Transfer Facility||With the balance transfer facility, you can transfer the outstanding balance of your card to another credit card under your name.|
|Customer Support Services||PNB credit card customer care services are offered around the clock for customers who choose any of the 3 available PNB Global credit cards.|
|EMI Facility||PNB Global Credit cardholders can avail the EMI facility offered by the bank.|
|Concierge Services||PNB offers concierge services on their credit cards which helps in taking round-the-clock requests under different categories such as travel bookings, reservations, etc.|
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.
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.
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.
The PNB Wave & Pay Credit Card comes with a host of features which primarily includes the security of transactions. The credit card can be used for contactless transactions up to Rs.2,000. Apart from this, the Wave & Pay Credit Card by Punjab National Bank offers reward points for every transaction and access to concierge services.
The RuPay Platinum Credit Card by the Punjab National Bank is a co-partnered credit card that offers reward point benefits, cashback benefits along with insurance benefits. With a zero joining fee and a minimal annual fee, you can avail many benefits that come along with this credit card across various categories such as fuel, insurance, etc.
The PNB RuPay Select Credit Card offers a wide range of features and benefits across various categories. Along with accelerated reward points on retail purchases, the card also offers cashback on utility billls, dining expenses, and a comprehensive insurance package. The RuPay Select Credit Card also comes with travel benefits such as complimentary airport lounge access.
|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|
|Add on cards||Rs. 500||Nil||Nil|
|Rate of interest per month||2.45% per month||2.45% per month||2.45% per month|
|Card Variant||Reward Points|
|PNB Global Classic Cardholder||2 reward points for every Rs. 100|
|PNB Global Gold Credit Card||1 reward point for every Rs. 100|
|PNB Global Platinum Credit Card||1 reward point for every Rs. 100|
|PNB Wave & Pay Credit Card||N/A|
|PNB RuPay Platinum Credit Card||N/A|
|PNB RuPay Select Credit Card||2x reward points on retail purchases|
|PNB Rakshak RuPay Platinum Credit Card||N/A|
|PNB Rakshak RuPay Select Credit Card||2x reward points on retail purchases|
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.
In order to be eligible for the PNB Global Credit Cards, you have to fulfill certain eligibility parameter, which are as follows:
The documentation that has to be submitted by the applicant at the time of application is as follows:
|Income proof (For self-employed)||Certified financials
|Address proof (any one)||
|Income proof (For salaried)||
|Proof of Identity (any one)||
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.
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.
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.
No, the IVR transaction feature on the PNB Credit Cards cannot be done without using 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.
You can always submit your PAN card as a document when you apply for the Punjab National Bank Credit Card.
The add-on credit for the PNB Global Platinum Credit Card costs Rs.500.
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.
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.
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
Punjab National Bank (PNB) introduced a pre-qualified credit card that comes with a number of benefits, which includes insurance coverage on Monday. Customers with salary accounts will be able to apply for this facility through the PNB One mobile banking app, website, or Internet Banking Service (IBS), according to a statement from the lender. The bank will make this service available through both Visa and RuPay.
PNB has added a new feature that enables quick overdrafts on fixed deposits on PNB One with just one OTP. Customers can apply for loans without going to a bank branch. Customers who apply through digital platforms like PNB One will be entitled to a 0.25% interest rate concession.
Through its partnership, Punjab National Bank (PNB), and Patanjali Ayurved Limited (PAL) launched their first set of co-branded credit cards and this is in partnership with the National Payments Corporation of India (NPCI). These credit cards come in two variants -PNB RuPay Platinum and PNB RuPay Select and offer credit services to purchase Patanjali products, insurance cover cashbacks, and also, loyalty points.
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