A credit card is a very convenient way of borrowing funds from the bank without having had to apply for a loan especially if the amount of funds is low. It helps an average individual in buying goods and services in an EMI format. Punjab National Bank offers credit card services to customers seeking to subscribe to a credit card. In this article, we will discuss how to get a PNB credit Card-Apply online, eligibility, interest rate, etc.
But first, let’s find out what are the different types of credit cards offered by PNB
Table of Contents
Type of PNB Credit Card
The following are the types of credit cards offered by Punjab National bank-
- PNB Global Platinum Credit Card
- PNB Global Gold Card
- PNB Global Classic Credit Card
- PNB Wave & Pay Credit Card
- PNB RuPay Platinum Card
- PNB RuPay Select Card
- PNB Rakshak RuPay Platinum Card
- PNB Rakshak RuPay Select Card
- PNB Visa Signature Card
- PNB Rupay Millennial Card
PNB Credit Card Eligibility Criteria
The following are the eligibility criteria for PNB Credit Card-
- The applicant must have an age between 21 years to 65 years at the time of applying for the credit card
- The applicant must have a steady source of income as a salaried employee or self-employed individual with a minimum of Rs.80,000 p.a. income
- The applicant must be a citizen of Indian or Non-resident Indian
- The applicant must be an existing customer of the Punjab National Bank or have at least 6 months of banking relations
Documents Required for PNB Credit Card
The following are the documents required for applying for PNB Credit Card-
- Address proof – Passport/ Driving Licence/ Voters ID etc.
- Identity proof – Bank Statement/ Voter Id/ Driving Licence/ Pension Book etc.
- Income Proof – Bank Statement/ Pay Slip/ Income Tax return
- Pan Card
- Passport size photo
Factor Affecting Credit Card
While applying for a credit card, the bank ensures that the money the customer borrows returns to the bank with interest, and therefore certain factors affect the credit card application, which is as follows-
- Income of the applicant- The income of the applicant plays a vital role in the clearance of the credit card application. The applicant must have a good income source so that bank can establish trust in the individual and lend the credit card money.
- Applicant’s Age-Owning a credit card is a responsibility and therefore, age becomes an essential factor in providing the credit card.
- Credit Rating– Credit rating is proof of how dedicated you are towards the payment of your loans or credit payments. The PNB prefers applicants with good credit history and scores.
How to Apply for PNB Credit Card?
You can apply for the PNB Credit Card using the following methods-
New Customers
- Visit the nearest Punjab National bank branch and ask for a credit card application form
- Fill the form with correct details like name, address, income, etc.
- Submit the application along with the documents mentioned above
- The application that you submitted will be processed by the bank and you’ll be notified about the progress via SMS
- The credit card will reach your address via post within 7-15 business days
Existing Customers
- Visit the official website of Punjab national bank net banking and login using your login credentials
- Now, navigate to the credit card page and click on the apply online
- Here, you have to fill the form and submit it.
- After submitting the application form, you’ll receive a call from a bank representative and further document verification will be done.
- After the verification completes, you can have your credit card delivered wthin 15 days.
Fees Associated with PNB Credit Card
The following are the fees associated with the PNB credit card-
Membership Fee
The credit cardholder has to pay an annual membership fee depending on the type of card. Some card also comes with nil membership fee. The annual fee will be refunded to the cardholder at the time of the closure of the credit account.
Late Payment Charges
| Statement Balance | Late Payment Charges |
| Less than INR 100 | Nil |
| INR 101 to INR 300 | Rs. 100/- |
| INR 301 to INR 1000 | Rs.300/- |
| INR 1001 to INR 5000 | Rs.500/- |
| INR 5001 to INR 20,000 | Rs.500/- |
| INR 20,001 and above | Rs.700/- |
PNB Customer Card Number
You can contact the customer card number of Punjab National bank using a toll-free number- 1800 180 2345. You can also email PNB regarding using a credit card, the email id for PNB credit card query resolve is creditcardpnb(at)pnb(dot)co(dot)in.
FAQ on PNB Credit Card
Punjab National Bank offers multiple credit card options for the customer depending on the needs of the customer as well as eligibility. The applicant must inquire first about the benefit of each credit card before applying for the Credit Card.
An individual who has a steady source of income i.e. salaried and self-employed candidate.
Yes, a housewife can apply for a PNB credit card but as an add-on card and the credit limit will be shared with the primary card.
The rate of interest on the credit cards will be 18% per annum excluding the taxes.
Related Article–How to Check PNB Credit Card Balance?
I’m Shiv Kumar, a graduate with a passion for finance, marketing, and technology. My journey into finance started with a desire to understand money management and investing.
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