PNB Credit Card

PNB offers multiple credit cards to fulfill the varying needs of different card users. The best credit card out of these will depend upon which of these suits your requirements the most. For instance, PNB Visa Classic, PNB Visa Gold, and PNB Rupay Millennial are good for shopping and rewards, while PNB EMT RuPay card is better-suited for travel spends. The bank also offers varying cards suitable for different income or occupational groups, such as PNB Rakshak Rupay cards for defense personnel. Thus, to find the right credit card, you must choose a card as per your spending patterns and preferences.

You can activate your Punjab National Bank credit card via the bank’s mobile banking app. Alternatively, you can use SMS banking. Send an SMS to 7092200200 with these details: ACTIV <space> <last 6 digits of your credit card> <space> <DOB in ddmmyyyy>.

Punjab National Bank offers several RuPay credit card variants, including PNB RuPay Platinum, RuPay Select, RuPay Millennial credit cards. The cards co-branded with Patanjali and EaseMyTrip are also available on RuPay network.

Yes, Punjab National Bank now provides the facility of submitting the credit card application online. To apply online, you can opt for different ways including the mobile assisted agent app – PNB SARAL, DIY (Do It Yourself) link on the bank’s website, or via the online links on PNB One, IBS and website. In order to apply for any of the PNB credit cards offline, you have to visit the nearest bank branch to fill and submit the PNB credit card application form. This form can be downloaded online from the bank’s credit card portal.

Yes, PNB charges a joining and annual fee for its credit cards as per the card variant. But you can get these charges waived off for some of these PNB credit cards by meeting the annual spending criteria.

Several PNB credit cards offer domestic and international airport lounge access . These cards include PNB RuPay Select, PNB RuPay Millennial, PNB Rakshak, PNB Visa Signature, and others. Punjab National Bank also offers EaseMyTrip RuPay Platinum credit card which is a co-branded travel card with exclusive travel benefits with lounge access.

Those who are 21 years to 70 years of age and are either salaried or self-employed with a stable source of income are eligible to apply for PNB credit cards. The minimum age required for secured cards and add-on cards is 18 years. Further eligibility criteria may vary as per the card variant.

To be eligible for a PNB credit card, the applicant must have a minimum annual salary of Rs. 2.5 lakh. At this salary amount, the applicant will be eligible for PNB Visa Classic and PNB RuPay Platinum credit cards. This minimum salary criteria may be reduced to Rs. 1.2 lakh per annum (i.e. Rs. 10,000 per month) for select cases.

PNB Wave & Pay Credit Card is different from traditional credit cards as it is equipped with Visa PayWave technology, under which you do not have to swipe the card for transactions up to Rs. 5,000. You just have to tap the card on the POS machine and your payment will be done without entering the PIN.

You can apply for a PNB credit card online by checking details on the bank’s website or visiting the nearest branch.