PNB Credit Cards

Punjab National Bank or PNB is one of the largest public sector banks in India to offer credit card services. All their credit cards are tailor-made for the needs and requirements of customers. Here are some of the features of the credit cards from PNB

1. Global acceptance: All ATMs and merchant establishments across the globe accept PNB credit cards. In India, PNB is accepted by more than 30,000 ATMs and 3,80,000 merchants.

2. Reward programs: With PNB’s reward program, PNB customers can earn points each time they use their credit cards. Accumulated reward points can be redeemed for gift vouchers or gift merchandise.

3. Lost card liability cover: A customer can report the loss of their credit card by calling on the toll-free number. All transactions made after the loss are not a liability of the cardholder.

4. Add-on cards: PNB also provides the opportunity to enhance the customer's power of spending in the form of add-on credit cards.

5. All-purpose credit card: PNB credit cards are designed for all types of spending, including shopping, dining, travel, and entertainment.

6. Bill payment facility: PNB credit cards can be used for paying utility bills.

7. Balance transfer facility: Customers can transfer the outstanding balance on other bank’s credit cards onto a PNB credit card.

8. Extended interest-free duration: Customers paying outstanding credit card balance on or before the due date are eligible for 20-50 days of interest-free credit period.

9. Fuel surcharge waiver: PNB waives off the surcharge on fuel when customers spend between Rs 400 and Rs 3000 at any petrol pump.

10. Concierge services: A special desk is assigned for select PNB credit card holders where they get personalized and specialized services like travel booking assistance, reservations for restaurants, flower and gifts delivery, and emergency medical help.

PNB Credit Card Eligibility Criteria

A customer needs to meet the following eligibility criteria to apply for a PNB credit card.

1. Minimum qualification of 10th standard.

2. Minimum age of 21 years and maximum age of 65 years.

3. Minimum age of 18 years for the user of the add-on card.

4. Ability to meet the minimum income criteria.

5. Residence in the same city as the branch issuing the card.

6. Existing banking relationship with PNB for at least six months.

PNB Credit Cards

PNB offers three credit cards that are given below.

1. PNB Global Platinum

2. PNB Global Gold

3. PNB Global Classic

PNB Global Platinum Credit Card

1. Complimentary Concierge Services across partner hotels and restaurants.

2. The facility of lifestyle bookings, bookings for flowers and gifts, and delivery help and assistance.

3. Dedicated passport and Visa assistance for foreign trips.

4. Emergency assistance, such as medical help, roadside assistance, and patient travel arrangements.

5. Assistance for airline and hotel bookings.

6. Two reward points on every retail transaction of Rs 150.

7. A full statement to cardholders every month with complete transparency about card charges.

8. Exclusive offers on commercial retail outlets.

PNB Global Gold Credit Card

1. Exclusive offers on dining, shopping, and movie tickets.

2. One reward point for every transaction of Rs 100. All reward points can be redeemed for exclusive offers from PNB.

3. No liability on the customer for a lost credit card.

4. The facility of obtaining two add-on credit cards for the customer's spouse, parents, or children above the age of 18 years.

5. The facility of using the card to pay utility bills through the official PNB website.

6. Global acceptance with over 30 million merchant establishments and cash advances one million Visa ATMs worldwide and more than  3,50,000 merchant establishments and 30,000 Visa ATMs in India.

PNB Global Classic Credit Card

1. One reward point for every transaction of Rs 100. All reward points can be redeemed for exclusive offers from PNB.

2. No liability on the customer for a lost credit card.

3. The facility of obtaining two add-on credit cards for the customer's spouse, parents, or children above the age of 18 years.

4. Global acceptance with over 30 million merchant establishments and one million Visa ATMs worldwide and more than  3,50,000 merchant establishments and 30,000 Visa ATMs in India.

How to Redeem PNB Credit Card Reward Points

Customers can redeem their PNB reward points by logging in to their banking accounts for attractive gifts and offers from their catalogue. They can also fill in a PNB Reward Redemption Form and send it to the PNB official address.

How to Make Punjab National Bank Credit Card Bill Payment

There are two ways of paying PNB credit card bills, online and offline. Customers can avail the following options on the online method.

1. Visa Credit Card Pay

2. NEFT payment

3. Paynet - Pay Online

4. UPI ID

5. Google Pay

Customers can also opt for the offline method with the following options.

1. Paying over the counter at any PNB branch

2. Payment cheques in electronic drop boxes

3. Payment using PNB Debit Card at any  PNB ATM

PNB Bank Credit Card Customer Care

Customers with credit card queries can call the toll-free PNB credit card customer care 1800 180 2222. This number is available 24/7.

Frequently Asked Questions

 1: How can I redeem my reward points?

Answer: Customers can redeem their PNB reward points by logging in to their banking accounts for attractive gifts and offers from their catalogue. They can also fill in a PNB Reward Redemption Form and send it to the PNB official address.

 2: Are all PNB credit card holders eligible for the rewards program?

Answer: Customers who default on their credit card bill payments are not eligible for the rewards program.

3: What credit score do I need to get a PNB credit card?

Answer: PNB prefers customers whose credit score is at least 700 or above. Individuals with a credit score of 650 and below are known to face difficulties in getting loans and credit cards.