PNB Credit Cards

Top Picks

Best For	Card Name
Fuel	No Particular card that’s perfect for Fuel
Travel	No Particular card that’s perfect for travel
Family	PNB Global Platinum Credit Card, PNB Global Gold Credit Card, PNB Global Classic Credit Card
Premium	No Particular card that’s perfect for Premium Benefits
Frequent Spenders	No Particular card that’s perfect for Frequent Spenders

Best PNB Credit Card for Family

Punjab National Bank Global Platinum Credit Card

Benefits

PNB Global Platinum card is the best card PNB has to offer and comes with Premium concierge service. It offers Rs.0.67 reward value on each Rs. 100 spending and comes with a credit limit as high as Rs. 10 Lacs.

Moreover, you get Platinum only deals from premium hotels and brands as well as VISA Platinum benefits such as lounge access, discounts on shopping, dining and travel tickets. You also get 1 free movie whenever you book a movie ticket on BookMyShow.

Drawbacks

The annual charges to own a PNB Global Platinum card is Rs. 500, which is quite high as compared to PNB Global Gold card and PNB Global Classic Card. Moreover, if you want to avail Add-on cards then you have to pay a fee of Rs. 500 for each supplementary credit card.

Bottomline

Despite being the best card available in credit card portfolio PNB offers, the card isn’t strong in terms of reward value. It seems quite weak in terms of rewards benefits against platinum cards offered by other banks such as SBI Card PRIME and HDFC Platinum Times Card. However, the interest rate and annual charges are quite low as compared to SBI Card PRIME and HDFC Platinum Times Card.

Though, an applicant must be earning at least Rs. 5 Lacs per annum to be eligible to own Global Platinum card, which seems quite high as compared to the benefits available on the card.

Best PNB Credit Card for Family’s 1st Runner Up

Punjab National Bank Global Gold Credit Card

Benefits

PNB Global Gold Credit Card offers reward value of Rs. 0.50 on each Rs. 100 spend. It comes with a credit limit as high as Rs. 5 Lacs. Moreover, you get 1% fuel surcharge waiver. You get VISA Gold benefits on the card such as discount on shopping and dining as well as travel.

Drawbacks

The Global Gold Credit Card by PNB doesn’t offer any joining benefits in against of Rs. 300 joining fee. Additionally, the rewards against each eligible transaction is not much of a deal.

Bottomline

The card is average in benefits and suitable only if you are an existing PNB Credit card customer who wants a simple credit card without much complications in rewards and benefits.

Best PNB Credit Card for Family’s 2nd Runner Up

Punjab National Bank Global Classic Credit Card

Benefits

PNB Classic Credit Card comes free of charge and offers Rs. 0.50 Reward Value against each Rs. 100 spend. Being a free credit card, the credit limit of upto Rs. 1 Lac is quite promising. Moreover, you also get fuel surcharge waiver.

Drawbacks

The card doesn’t offer much of a reward value. Moreover, doesn’t offer any benefits of joining.

Bottomline

Since PNB Global Classic credit card is a zero annual fee credit card and have low income criteria of only Rs. 1 Lac per annum, it seems promising card unless you have much expectation from your card.

Eligibility Criteria

• Primary cardholder should be the age of between 21 to 65 years. For add-on cards, the cardholder of the add-on card should be the age of between 18 to 65 years
• Applicant should have an annual income of up to Rs. 5 Lacs.
• Applicant should be an existing customer of Punjab National Bank for at least 6 months.
• Applicant should have a minimum qualification of 10th Standard.

Documentation

• Passport Size Photographs
• Identity Proof: Aadhaar Card, Voter ID Card, PAN Card, 
• Address Proof
• Income Proof

PNB Credit Card Offers

PNB Credit Cards Reward Points – Earn & Burn

Spends	PNB Platinum Card	PNB Gold Card	PNB Classic Card
Dining	2 Reward Points on each Rs. 150	1 Reward Points on each Rs. 100	1 Reward Points on each Rs. 100
Departmental Stores	2 Reward Points on each Rs. 150	1 Reward Points on each Rs. 100	1 Reward Points on each Rs. 100
Grocery Stores	2 Reward Points on each Rs. 150	1 Reward Points on each Rs. 100	1 Reward Points on each Rs. 100
Travel	2 Reward Points on each Rs. 150	1 Reward Points on each Rs. 100	1 Reward Points on each Rs. 100
Entertainment	2 Reward Points on each Rs. 150	1 Reward Points on each Rs. 100	1 Reward Points on each Rs. 100
Utility Bill Payment	2 Reward Points on each Rs. 150	1 Reward Points on each Rs. 100	1 Reward Points on each Rs. 100
Fuel	Nil	Nil	Nil
Online Shopping	2 Reward Points on each Rs. 150	1 Reward Points on each Rs. 100	1 Reward Points on each Rs. 100
Partners	2 Reward Points on each Rs. 150	1 Reward Points on each Rs. 100	1 Reward Points on each Rs. 100
International	2 Reward Points on each Rs. 150	1 Reward Points on each Rs. 100	1 Reward Points on each Rs. 100

PNB Credit Card Bill Payment

PNB Credit Card Bill Payment through PNB Net Banking

• Login to your pnb online account
• Choose “Credit Cards” option
• Select a credit card for which you want to make the payment.
• Click on “Pay” and enter the required information and the amount.
• Click on “Confirm”

Note: You’ll receive an instant confirmation of the bill payment. However, in some cases, it may take up to 1 day.

PNB Credit Card Bill Payment through NEFT

• Login to your other bank’s account from which you want to pay the bills.
• Go to Fund Transfer option and find “NEFT”.
• Now, click on “Add Beneficiary” to add your PNB Credit Card as the beneficiary.
• Select “Transfer to Other Bank” as the type of beneficiary
• Enter your PNB Credit Card number in the beneficiary account details.
• Enter “PUNB0645400” for the beneficiary’s IFSC code.
• Now, click on “Add” and then “Confirm” button. Your PNB Credit Card will be immediately added to the beneficiary list.
• Now, go to the “NEFT” option again and click on “Pay”.
• Select your PNB Credit Card from the beneficiary list.
• Enter the amount and click on “Pay” to make the payment.

PNB Credit Card Bill Payment through Visa Money Transfer

• Log in to your other bank’s net banking service and go to Fund Transfer.
• Now, choose  “VISA Card Pay” as your payment method.
• Enter your PNB Credit Card details in recipient’s information and your other bank’s information in the sender’s information.
• Confirm the transaction and receive the payment acknowledgement.

PNB Credit Card Bill Payment through IMPS

• Log in to your other bank’s net banking service.
• Go to Funds Transfer tab and Choose IMPS.
• Click on “Add IMPS Payee” to add your PNB credit card as the beneficiary.
• Enter the beneficiary details and confirm.
• Now, go back to IMPS and click on “Pay”.
• Select your PNB Credit Card from the beneficiary list.
• Enter the amount and click on “Pay” to make the payment.

PNB Credit Card Bill Payment through Mobile Banking

• Open PNB Mobile Banking app and select “Self Transfer Funds”.
• Fill the amount and other details
• And, click on “Pay”

PNB Credit Card Bill Payment through Debit card

• Visit the nearest PNB ATM and swipe your debit card in the machine.
• Enter your Debit Card PIN and choose “Bill Pay”.
• Enter your PNB Credit Card number and choose “Pay”.
• Now, receive the acknowledgement of the bill payment.

PNB Credit Card Bill Payment through ECS

• Download ECS form by clicking here and fill it.
• Check the completed form once and then post it to the following address – PNB, Credit Card Processing Centre,11th Floor, Atma Ram House, 1 tolstoy Marg, New Delhi–110001

PNB Credit Card Bill Payment through Auto Debit

• Download Auto Debit form from here and fill in all the required details.
• Check the completed form once and then post it to the following address – PNB, Credit Card Processing Centre,11th Floor, Atma Ram House, 1 tolstoy Marg, New Delhi–110001

PNB Credit Card Bill Payment through PayTM

• Open the PayTM app and click on credit card bill.
• Choose PNB from the list of the banks and enter your PNB Credit Card details.
• Now, click on “Proceed”.

PNB Credit Card Bill Payment through BHIM UPI App

• Open the BHIM UPI app and choose “Bill Pay”
• Select PNB from the list of the banks.
• Enter the amount, credit card number and remarks if any.
• And, click on “Transfer”.

PNB Credit Card Bill Payment through Billdesk

• Click here to go to the PNB Billdesk page and select the bank from which you want to make the payment.
• Select “Internet Banking” as your payment method
• Enter the required details like card number, email id , mobile number, amount and your bank account.
• Click on “Pay Now”.

PNB Credit Card Bill Payment by Cash Over the Counter

• Visit the nearest PNB branch and take a cash deposit slip from the reception.
• Enter your PNB Credit Card number in the Account Number section and fill the other details like amount, date, and location.
• Do your signature on the front side of the slip as well as the back side.
• Submit the slip to the cashier and take the receipt.

PNB Credit Card Bill Payment by Cheque/ Demand Draft

• Draw a cheque/draft in favour of your PNB Credit Card account.
• Fill the bill amount correctly and date along with your signature.
• Deposit the cheque/draft in the nearest dropbox located at PNB ATMs or Branch.

PNB Bank Credit Cards – Fees & Charges

	PNB Platinum Card	Gold Card	Classic Card
Finance Charges	2.45% per month	2.45% per month	2.45% per month
Cash advance fee	NA	NA	NA
Annual fee	Rs. 500	Nil	Nil

Other Charges

Charge	Amount
Foreign transaction fee	3.5% foreign currency markup
Late Fee
Minimum Payment	5% of the outstanding amount
Over-limit fee
Returned payment fee
EMI Conversion Charges	18% per annum interest rate with processing charges equal to 2% of the transaction amount or min Rs. 200
Balance Transfer Charges	0.99% per month interest with processing charges equal to 1% of the transfer amount or min Rs. 199

How To Apply for PNB Credit Card?

• Select a PNB Bank Credit Card as per your preferences from above.
• Click on “Apply Now” and fill the Online Application Form. You’ll be asked to provide some personal details such as your Address, Contact, Income, Employer Details, Educational Qualifications.
• Once the application form is submitted successfully, you will receive a confirmation from PNB Bank.

Note: If your application got rejected, you would be able to apply after 3 months of your previous application.

FAQs

What is so special about PNB Global Gold Credit Card?

The best thing about PNB Global Gold Credit Card is that it is an all-purpose card. You can use the credit card for shopping, railway ticket reservations, dining, and holidaying.

Is there a provision for add-on card with PNB Global Gold Credit Card?

Yes, there is a facility for up to 2 add on-cards for your parents, kids, spouse. It is important that the kids are over 18 years of age.

What is the joining fee for PNB Global Gold Credit Card?

The joining fee for PNB Global Gold Credit Card is Rs. 300.

What are the benefits of PNB Global Gold Credit Card?

• You can pay your utility bills, electricity bills, and phone bills using your PNB Global Gold credit card.
• If you have PNB Global Gold credit card, you can pay your bills via VISA Bill Pay service.
• As a PNB Global Gold credit cardholder, you can avail a discount of 10%-25% on the food & beverages, hotel rooms at Sarovar Hotels.
• You also get to avail 10% discount on the MRP at Kairali Ayurvedic Group outlets if you are a PNB Global Gold credit cardholder.

What is eligibility criteria for PNB Global Gold credit cardholder?

• You should have passed 10th standard in order to qualify for PNB Global Gold credit card.
• Your age should be between 21 years to 65 years to qualify for the primary card and for the add-on card, your age should be between 18 years to 65 years.
• You, as an applicant, must be a resident of India.
• You must have a PNB bank account for a minimum of 6 months.

What are the documents required for PNB Global Gold credit card?

As a proof of residence, you need to submit – electricity bill, telephone bill, bank account statement, letter from employer. You have to ensure that all these documents are three months old.

As identity proof, you need to submit – PAN Card, Voter ID card, Driving Licence, Passport, etc. As income proof, you need to submit Form 16 or a copy of Income Tax Return. You can also submit salary certificate as a proof of your income.

What is the fee for card replacement?

The fees for card replacement is Rs. 100.

What are the payment options for PNB Global Gold credit card?

• NEFT
• ECS
• Internet Banking
• PNB ATMs
• Draft or Cheque
• Auto Debit

What is the APR on revolving credit for PNB Global Classic Credit Card?

The APR on revolving credit for PNB Global Classic Credit Card is 29.81%.

What is the pin replacement fee for PNB Global Classic Credit Card?

The pin replacement fee for PNB Global Classic Credit Card is Rs. 50 per card.

Is there a provision of getting alerts for my credit card transactions?

Yes, there is a provision of receiving alerts for all the transactions made on the credit card.

Is it possible to perform the IVR transaction without OTP?

No, this is not possible if you are a PNB credit cardholder.