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  • Punjab National Bank Credit Cards is Rated as "Excellent!" by 67 Users

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    Promised Interest Rate

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    Responsiveness

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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
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Punjab National bank is good in the credit card services. The process is good to get the card. The credit limit is fine and there are no issues while using the card. The statements are clear and it is sent to me on time. The overall process has been satisfactory.
      Was this review helpful? 2
      , mumbai
      Reviewed on Oct 13, 2018
    • Punjab National Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the Punjab National Bank Credit card fro a while. The limit is pretty low and there is no annual fee for this card. So far there hasn't been any issues with their services. They need to provide more offers to their customers.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Sep 26, 2018
    • Punjab National Bank Credit Card
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      My credit card was taken with PUNJAB NATIONAL BANK , i am holding this card for past 1year . They offered 70000 of credit limit and it is sufficient to me . The card is chargeable . Benefits were good with this card . So far it has been good experience with this card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 18, 2018
    • Punjab National Bank Credit Card
      "GOOD CARD"
      0.5 4.0/5 "Great!"
      I have got my credit card with PUNJAB NATIONAL BANK , the services and process was quick and smooth with this card . There is no joining fee with this card . Benefits are good like in terms of reward points and cash back offers . I use this card for multipurpose .
      Was this review helpful? 3
      , pune
      Reviewed on Sep 03, 2018
    • Punjab National Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had been using this card for more than eight years and the services which they had been providing so far had been good as well. The credit limit with the card also had been good and there has been good offers available with the card. I had been using it for shopping and all other purchases.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 03, 2018
    • Punjab National Bank Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I had been holding this card for the last two to three years and the banking services which they had been providing so far had been good. They also had given me with a good credit limit with the card and there has been good benefits with the card like reward points but the cash back offers has been less. The services from the customer support and their staff responses had been good.
      Was this review helpful? 3
      , new delhi
      Reviewed on Jul 06, 2018
    • Punjab National Bank Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had been holding this card for the last one year and it has been a very good service which they had been providing so far. The credit limit which they had given has been less and i had been using the card for shopping and online purchases. Their customer support also had been very good as well.
      Was this review helpful? 2
      , vadodara
      Reviewed on Jun 30, 2018
    • Punjab National Bank Credit Card
      "Basic Card"
      0.5 5.0/5 "Blown Away!"
      I just used this for emergency purpose. I used to make the payment on time always. I used to make bill payment and done shopping by using this card. I have purchased a credit card this 3 years before. They have offered me a credit limit of Rs. 20000. I have contacted the branch and i have got a card.Their is no much offers in this offer. Their is no EMI facility also.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2018
    • Punjab National Bank Credit Card
      "Best Card for Online purchase"
      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? 1
      , chennai
      Reviewed on Jun 10, 2018
    • Punjab National Bank Credit Card
      "Poor Service"
      0.5 1.0/5 "Really Bad"
      I've been using the PNB Platinum credit card for the past 4 Months, the card hasn't got any exceptional facilities, I am planning to cancel this card as there is no option to convert purchases in to EMI's. They need to provide their customers with more flexible option for day to day transactions.
      Was this review helpful? 3
      , new delhi
      Reviewed on Jun 07, 2018
    • Punjab National Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have got the Punjab national platinum credit card for more than 5 years. The customer support service and the response is good with the Punjab national bank. The credit limit value is good with this card and I am satisfied with the credit limit value .
      Was this review helpful? 2
      , kolkata
      Reviewed on Jun 04, 2018
    • Punjab National Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I use the Punjab national platinum visa credit card for more than a year. The customer support service and the response is good with the Punjab national bank.The credit limit value is low with this card and it would be good if they can increase the credit limit value.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 31, 2018
    • Punjab National Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I use the Punjab national platinum visa credit card for more than a year. The customer support service and the response is good with the Punjab national bank.The credit limit value is low with this card and it would be good if they can increase the credit limit value.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 31, 2018
    • Punjab National Bank Credit Card
      "Need to enhance the limit "
      0.5 2.5/5 "Just OK"
      I have a credit card with Punjab national bank. I am not happy with the card services. The bank has not enhanced my credit card limit yet either by seeing my spending or my correct payments. I am also having my salary and savings account with the bank and I maintain a decent minimum balance always.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 28, 2018
    • 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? 2
      , 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? 1
      , 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? 2
      , chennai
      Reviewed on Feb 09, 2018
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