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.
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.
The PNB Global credit cards can be used for paying utility bills such as electricity bill, gas bill, mobile/telephone bills, etc. on time.
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.
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.
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.
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.
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 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.
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.
|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|
|Add on cards||Rs. 500||Nil||Nil|
|Rate of interest per month||2.45% per month||2.45% per month||2.45% per month|
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.
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:
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 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.
*Note: All the rates are subject to change, therefore, customers are required to keep on checking the rates from time to time.
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