PNB Bank
Punjab National Bank, commonly known as PNB, is one of the oldest and largest banks in India. It was established on 12 April 1895 in Lahore (now in Pakistan) by great leaders like Lala Lajpat Rai and other freedom fighters. Unlike many other banks of that time, PNB was the first bank fully managed by Indians, which made it very special during the freedom movement. After the partition of India in 1947, the bank shifted its head office from Lahore to New Delhi and continued to serve people despite the huge challenges. In 1969, the Government of India nationalised PNB along with 13 other major banks, making it a public sector bank. Over the years, PNB kept growing, opening thousands of branches across the country and also expanding to other countries like the UK, Dubai, Hong Kong, Nepal, and Bhutan. In 1993, it merged with New Bank of India, and in 2020, it became even bigger after merging with Oriental Bank of Commerce and United Bank of India. Today, PNB is the second-largest public sector bank in India after SBI, with over 10,000 branches, 12,000+ ATMs, and a strong presence both in India and abroad. With a history of more than 125 years, Punjab National Bank is known as a trusted bank that has played a key role in India’s banking sector.
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PNB VISA Gold Card
The user will get 1 reward point for every Rs. 100 spent.
The value of 1RP= Rs. 0.50. Effective cashback rate: 0.5%.
Bank/CC Company
Punjab National Bank
Forex Markup
3.5% on all international transactions
Interest Rates: 2.45 percent every month
Interest Rate
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PNB Patanjali Rupay Select Card
1 reward point per Rs. 100 spent.
1RP= INR 0.25.
General Cashback Rate: 0.25%.
2X rewards points on retail merchandise.
Retail Cashback Rate: 0.50%.
Cashback of 2% for all transactions over and above Rs 2500. subject to a ceiling of Rs 50/- per transaction at Patanjali stores.
Users can get 5-7% additional cashback at Patanjali Ayurved Ltd. to Patanjali Swadeshi Samridhi card customers on recharge using PNB-Patanjali credit card.
Bank/CC Company
Punjab National Bank
Forex Markup
3.5%
Interest Rates: 2.95% per month, 35.89% annually.
Interest Rate
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Cashback Rate
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The PNB Global Platinum Credit Card
The value of 1 reward point is Rs. 0.50.
Customers can earn 1 reward point for every Rs 100 spent using the PNB Global Platinum Credit Card. Effective cashback rate: 0.50%.
2 reward points will be awarded on retail transactions for every Rs 150 spent using the Platinum card. Effective cashback rate: 0.67%.
Bank/CC Company
Punjab National Bank
Forex Markup
3.5% on all foreign currency transactions
Interest Rates: 2.95% per month
Interest Rate
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Cashback Rate
Cashback Rate
Cashback Rate
Cashback Rate
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Cashback Rate
Cashback Rate
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PNB Rakshak Rupay Platinum Card
Users can earn 1 reward point for every INR 100 spent.
1 RP = INR 0.50.
General Cashback Rate = 0.5%
Bank/CC Company
Punjab National Bank
Forex Markup
3.50% on the conversion amount
Interest Rates: 2.95 percent every month 35.89%.p.a.
Interest Rate
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Cashback Rate
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Cashback Rate
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PNB RuPay Platinum Credit Card
Users will get 1 reward point per INR 100 spent.
The value of 1RP= INR 0.50.
Effective Cashback Rate= 0.5%.
Bank/CC Company
Punjab National Bank
Forex Markup
3.5% on all foreign currency transactions
Interest Rates: 2.95 percent every month
Interest Rate
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Cashback Rate
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Cashback Rate
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PNB EMT Rupay Platinum Credit Card
1 reward point per INR 100 spent.
1RP= INR 0.25.
General Cashback Rate= 0.25%.
Users will get flat 10% off up to Rs. 1,000 on domestic flight bookings.
Users will get flat 10% off up to Rs. 5,000 on international flight bookings.
Users will get a flat 20% discount up to Rs.5,000 on domestic hotel bookings.
Users will get a flat 20% discount Up to Rs.10,000 on international hotel bookings.
Users will get flat Rs.125 off on bus bookings on a minimum order value of Rs.500.
Bank/CC Company
Punjab National Bank
Forex Markup
3.50%
Interest Rates: 2.95% per month, 35.89% annually.
Interest Rate
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Cashback Rate
Cashback Rate
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Cashback Rate
Cashback Rate
Cashback Rate
Cashback Rate
Cashback Rate
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PNB Rupay Millennial Card
Users will earn 2 reward points for every INR 150 spent on this card.
1 RP = INR 0.50.
General Cashback Rate = 0.66%.
Bank/CC Company
Punjab National Bank
Forex Markup
3.50% on the conversion amount
Interest Rates: 2.95 percent every month 35.89%.p.a.
Interest Rate
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Cashback Rate
Cashback Rate
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Cashback Rate
Cashback Rate
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Cashback Rate
Cashback Rate
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PNB Patanjali Rupay Platinum Card
1 reward point per INR 100 spent.
1RP= INR 0.25.
General Cashback Rate: 0.25%.
Cashback of 2% for all transactions over and above INR 2500. subject to a ceiling of INR 50 per transaction at Patanjali stores.
Users can get 5-7% additional cashback at Patanjali Ayurved Ltd. to Patanjali Swadeshi Samridhi card customers on recharge using PNB-Patanjali credit card.
Bank/CC Company
Punjab National Bank
Forex Markup
3.5%
Interest Rates: 2.95% per month, 35.89% annually.
Interest Rate
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Cashback Rate
Cashback Rate
Cashback Rate
Cashback Rate
Cashback Rate
Cashback Rate
Cashback Rate
Cashback Rate
Cashback Rate
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PNB Rupay Select Card
User can earn 2 reward points for every INR 100 spent. 1 RP = Rs. 0.50. Effective cashback rate = 1%.
2x reward points on all your retail purchases.
Bank/CC Company
Punjab National Bank
Forex Markup
3.5% on all foreign currency transactions
Interest Rates: 2.95 percent every month
Interest Rate
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Forex Markup
Interest Rate
Cashback Rate
Punjab National Bank
3.5% on all international transactions
Interest Rates: 2.45 percent every month
Cashback Rate
MyRupaya Ratings :-
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PNB VISA Gold Card
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Cashback Rate
Cashback Rate
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Forex Markup
Interest Rate
Cashback Rate
Punjab National Bank
3.5%
Interest Rates: 2.95% per month, 35.89% annually.
Cashback Rate
MyRupaya Ratings :-
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PNB Patanjali Rupay Select Card
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Cashback Rate
Cashback Rate
Cashback Rate
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Forex Markup
Interest Rate
Cashback Rate
Punjab National Bank
3.5% on all foreign currency transactions
Interest Rates: 2.95% per month
Cashback Rate
MyRupaya Ratings :-
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The PNB Global Platinum Credit Card
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Cashback Rate
Cashback Rate
Cashback Rate
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Forex Markup
Interest Rate
Cashback Rate
Punjab National Bank
3.50% on the conversion amount
Interest Rates: 2.95 percent every month 35.89%.p.a.
Cashback Rate
MyRupaya Ratings :-
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PNB Rakshak Rupay Platinum Card
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Cashback Rate
Cashback Rate
Cashback Rate
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Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Forex Markup
Interest Rate
Cashback Rate
Punjab National Bank
3.5% on all foreign currency transactions
Interest Rates: 2.95 percent every month
Cashback Rate
MyRupaya Ratings :-
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PNB RuPay Platinum Credit Card
Add a Title
Cashback Rate
Cashback Rate
Cashback Rate
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Forex Markup
Interest Rate
Cashback Rate
Punjab National Bank
3.50%
Interest Rates: 2.95% per month, 35.89% annually.
Cashback Rate
MyRupaya Ratings :-
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PNB EMT Rupay Platinum Credit Card
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Cashback Rate
Cashback Rate
Cashback Rate
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Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Forex Markup
Interest Rate
Cashback Rate
Punjab National Bank
3.50% on the conversion amount
Interest Rates: 2.95 percent every month 35.89%.p.a.
Cashback Rate
MyRupaya Ratings :-
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PNB Rupay Millennial Card
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Cashback Rate
Cashback Rate
Cashback Rate
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Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Forex Markup
Interest Rate
Cashback Rate
Punjab National Bank
3.5%
Interest Rates: 2.95% per month, 35.89% annually.
Cashback Rate
MyRupaya Ratings :-
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PNB Patanjali Rupay Platinum Card
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Cashback Rate
Cashback Rate
Cashback Rate
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Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Forex Markup
Interest Rate
Cashback Rate
Punjab National Bank
3.5% on all foreign currency transactions
Interest Rates: 2.95 percent every month
Cashback Rate
MyRupaya Ratings :-
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PNB Rupay Select Card
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Cashback Rate
Cashback Rate
Cashback Rate
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PNB Patanjali Rupay Select Card
The users will receive 300+ reward points on activation.
PNB EMT Rupay Platinum Credit Card
INR 2,000
PNB Patanjali Rupay Platinum Card
INR 500, waived if the card is used at least once in each quarter in the preceding year.
PNB VISA Gold Card
NIL
The PNB Global Platinum Credit Card
INR 500
PNB Rakshak Rupay Platinum Card
No annual fee ( if card is used once in each quarter)
PNB RuPay Platinum Credit Card
NIL
PNB Rupay Millennial Card
Rs. 999/- p.a.(waived off on spending Rs. 1 lakh in a year)
PNB Rupay Select Card
NIL
PNB Patanjali Rupay Select Card
1 reward point per Rs. 100 spent.
1RP INR 0.25.
General Cashback Rate: 0.25%.
2X rewards points on retail merchandise.
Retail Cashback Rate: 0.50%.
Cashback of 2% for all transactions over and above Rs 2500. subject to a ceiling of Rs 50/- per transaction at Patanjali stores.
Users can get 5-7% additional cashback at Patanjali Ayurved Ltd. to Patanjali Swadeshi Samridhi card customers on recharge using the PNB-Patanjali credit card.
PNB EMT Rupay Platinum Credit Card
1 reward point per INR 100 spent.
1RP= INR 0.25.
General Cashback Rate= 0.25%.
Users will get flat 10% off up to Rs. 1,000 on domestic flight bookings.
Users will get flat 10% off up to Rs. 5,000 on international flight bookings.
Users will get a flat 20% discount up to Rs.5,000 on domestic hotel bookings.
Users will get a flat 20% discount Up to Rs.10,000 on international hotel bookings.
Users will get flat Rs.125 off on bus bookings on a minimum order value of Rs.500.
PNB Patanjali Rupay Platinum Card
1 reward point per INR 100 spent.
1RP INR 0.25.
General Cashback Rate: 0.25%.
Cashback of 2% for all transactions over and above INR 2500. subject to a ceiling of INR 50 per transaction at Patanjali stores.
Users can get 5-7% additional cashback at Patanjali Ayurved Ltd. for Patanjali Swadeshi Samridhi card customers on recharge using the PNB-Patanjali credit card
PNB VISA Gold Card
The user will get 1 reward point for every Rs. 100 spent.
The value of 1RP Rs. 0.50. Effective cashback rate: 0.5%.
The PNB Global Platinum Credit Card
The value of 1 reward point is Rs. 0.50.
Customers can earn 1 reward point for every Rs 100 spent using the PNB Global Platinum Credit Card. Effective cashback rate: 0.50%.
2 reward points will be awarded on retail transactions for every Rs 150 spent using the Platinum card. Effective cashback rate: 0.67%.
PNB Rakshak Rupay Platinum Card
Users can earn 1 reward point for every INR 100 spent.
1 RP = INR 0.50.
General Cashback Rate = 0.5%
PNB RuPay Platinum Credit Card
Users will get 1 reward point per INR 100 spent.
The value of 1RP INR 0.50.
Effective Cashback Rate 0.5%.
PNB Rupay Millennial Card
Users will earn 2 reward points for every INR 150 spent on this card.
1 RP = INR 0.50.
General Cashback Rate = 0.66%.
PNB Rupay Select Card
User can earn 2 reward points for every INR 100 spent. 1 RP = Rs. 0.50. Effective cashback rate = 1%.
2x reward points on all your retail purchases.
Top 5 Credit Cards Of PNB Bank
PNB EMT RuPay Platinum Credit Card
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Joining Fees: INR 2000
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Interest Rate: 2.95% per month, 35.89% annually.
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Welcome benefits: The user will receive a welcome voucher worth the benefit of Rs 3000. 300+ reward points on activation.
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Cashback Rate: 1 reward point per INR 100 spent.
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1RP INR 0.25.
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General Cashback Rate 0.25%.
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Users will get a flat 10% off up to Rs. 1,000 on domestic flight bookings.
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Users will get a flat 10% off up to Rs. 5,000 on international flight bookings.
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Users will get a flat 20% discount up to Rs. 5,000 on domestic hotel bookings.
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Users will get a flat 20% discount up to Rs. 10,000 on international hotel bookings.
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Users will get a flat Rs.125 off on bus bookings on a minimum order value of Rs.. 500. The PNB EMT RuPay Platinum Credit Card is a special card launched by Punjab National Bank for people who want more value from their everyday spending. Since it runs on the RuPay network, it is widely accepted across India and also works for international payments. Being a Platinum card, it comes with added benefits that go beyond regular usage. With this card, you can earn reward points every time you spend on shopping, travel, fuel, or dining. These points can later be used for exciting offers and discounts. The card also provides free insurance coverage, which gives you extra safety in case of accidents or emergencies. On top of that, you get access to RuPay Platinum privileges like airport lounge access, discounts on lifestyle and travel bookings, and special deals on entertainment. Another advantage is that it is offered by Punjab National Bank, one of India’s most trusted banks with a huge branch network.
PNB Patanjali RuPay Select Credit Card
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Joining Fees: INR 750, waived if the card is used at least once in each quarter in the preceding year.
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Interest Rate: 2.95% per month, 35.89% annually.
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Welcome benefits: The users will receive 300+ reward points on activation.
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Cashback Rate: 1 reward point per Rs. 100 spent.
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1RP INR 0.25.
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General Cashback Rate: 0.25%.
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2X rewards points on retail merchandise.
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Retail Cashback Rate: 0.50%.
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Cashback of 2% for all transactions over and above Rs 2500. subject to a ceiling of Rs 50/- per transaction at Patanjali stores.
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Users can get 5-7% additional cashback at Patanjali Ayurved Ltd. for Patanjali Swadeshi Samridhi card customers on recharge using the PNB-Patanjali credit card. The PNB Patanjali RuPay Select Credit Card is a co-branded card launched by Punjab National Bank in partnership with Patanjali. This card is specially made for people who shop often at Patanjali stores or buy Patanjali products. It allows cardholders to enjoy exclusive discounts, cashback, and reward points on Patanjali purchases, along with regular benefits on dining, travel, and shopping. Since it is on the RuPay Select platform, the card also gives you added privileges such as complimentary lounge access at airports, health and wellness offers, insurance cover, and lifestyle benefits. Being backed by PNB, one of India’s oldest and most trusted banks, the card combines secure transactions with attractive savings. In short, the PNB Patanjali RuPay Select Card is a great choice if you are a regular Patanjali customer and also want a credit card that provides day-to-day rewards, savings, and extra comfort while spending.
PNB Rupay Select Card
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Joining Fees: INR 500/-
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Interest Rate: 2.95 percent every month
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Welcome benefits: On the first transaction, users will get more than 300 reward points.
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Cashback Rate: The User can earn 2 reward points for every INR 100 spent. 1 RP = Rs. 0.50. Effective cashback rate = 1%. The PNB RuPay Select Credit Card is a premium card offered by Punjab National Bank for customers who want extra comfort and benefits in their everyday spending. Built on the RuPay Select platform, this card gives you more than just regular transactions. You can enjoy complimentary airport lounge access, special health and wellness offers, and exclusive lifestyle discounts. Along with these privileges, the card also provides reward points on your purchases, insurance protection, and attractive deals on dining, shopping, and travel. Since it is backed by PNB, one of India’s most trusted public sector banks, you also get strong security and easy account management through internet banking, mobile app, and branch support. In short, the PNB RuPay Select Card is a good option for people who want a safe, reliable credit card that also offers premium perks to make daily life more rewarding
PNB Global Platinum Credit Card
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Joining Fees: INR 500
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Interest Rate: 2.95% per month
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Welcome benefits: None
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Cashback Rate: The value of 1 reward point is Rs. 0.50.
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Customers can earn 1 reward point for every Rs 100 spent using the PNB Global Platinum Credit Card. Effective cashback rate: 0.50%.
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2 reward points will be awarded on retail transactions for every Rs 150 spent using the Platinum card. Effective cashback rate: 0.67%. The PNB Global Platinum Credit Card is a premium credit card from Punjab National Bank that is designed for people who want extra value in their daily spending. This card gives you reward points every time you shop, whether it’s for groceries, fuel, dining, or travel. The reward points can be collected and later used for exciting gifts, discounts, or services. As a Platinum card, it also provides additional benefits like insurance coverage, special offers on lifestyle and travel, and worldwide acceptance for both online and offline purchases. Being part of PNB, one of India’s most trusted banks, the card ensures safe transactions, easy payment options, and reliable customer support. In short, the PNB Global Platinum Credit Card is a great choice if you want a secure card that not only helps you manage your expenses but also rewards you with savings and privileges.
PNB RuPay Platinum Credit Card
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Joining Fees: NIL
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Interest Rate: 2.95 percent every month
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Welcome benefits: Users will receive 300+ reward points on 1st usage.; No annual and joining fee ( if the card is used once a quarter).
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Cashback Rate: Users will get 1 reward point per INR 100 spent.
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The value of 1RP INR 0.50.
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Effective Cashback Rate 0.5%. The PNB RuPay Platinum Credit Card is a smart choice for people who want more benefits while using their credit card for everyday expenses. It runs on the RuPay network, which makes it widely accepted across India and also usable for international transactions. With this card, you can earn reward points every time you shop, dine, or pay bills, and these points can be redeemed later for gifts or discounts. Being a Platinum card, it comes with added advantages like insurance cover, lounge access at select airports, and special offers on travel, lifestyle, and health services. Since it is issued by Punjab National Bank, you also get the trust, safety, and wide service support of one of India’s oldest and largest banks. In short, the PNB RuPay Platinum Credit Card is a reliable and rewarding option for people who want a secure card that also gives them extra savings and privileges.
Welcome Benefits
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On the first transaction, users will get more than 300 reward points.
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Users will get 300+ reward points on card activation.
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Users will receive 300+ reward points on 1st usage.; No annual and joining fee ( if the card is used once a quarter).
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300+ reward points on 1st usage.
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The users will receive 300+ reward points on activation.
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The user will receive a welcome voucher worth the benefit of Rs 3000. 300+ reward points on activation.
Annual Fee
Credit Cards | Annual Fee |
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PNB Patanjali Rupay Select Card | The users will receive 300+ reward points on activation. |
PNB EMT Rupay Platinum Credit Card | INR 2,000 |
PNB Patanjali Rupay Platinum Card | INR 500, waived if the card is used at least once in each quarter in the preceding year. |
PNB VISA Gold Card | NIL |
The PNB Global Platinum Credit Card | INR 500 |
PNB Rakshak Rupay Platinum Card | No annual fee ( if card is used once in each quarter) |
PNB RuPay Platinum Credit Card | NIL |
PNB Rupay Millennial Card | Rs. 999/- p.a.(waived off on spending Rs. 1 lakh in a year) |
PNB Rupay Select Card | NIL |
Rewards System
Credit Cards | Cashback Rate |
|---|---|
PNB Patanjali Rupay Select Card | 1 reward point per Rs. 100 spent.
1RP INR 0.25.
General Cashback Rate: 0.25%.
2X rewards points on retail merchandise.
Retail Cashback Rate: 0.50%.
Cashback of 2% for all transactions over and above Rs 2500. subject to a ceiling of Rs 50/- per transaction at Patanjali stores.
Users can get 5-7% additional cashback at Patanjali Ayurved Ltd. to Patanjali Swadeshi Samridhi card customers on recharge using the PNB-Patanjali credit card.
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PNB EMT Rupay Platinum Credit Card | 1 reward point per INR 100 spent.
1RP= INR 0.25.
General Cashback Rate= 0.25%.
Users will get flat 10% off up to Rs. 1,000 on domestic flight bookings.
Users will get flat 10% off up to Rs. 5,000 on international flight bookings.
Users will get a flat 20% discount up to Rs.5,000 on domestic hotel bookings.
Users will get a flat 20% discount Up to Rs.10,000 on international hotel bookings.
Users will get flat Rs.125 off on bus bookings on a minimum order value of Rs.500.
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PNB Patanjali Rupay Platinum Card | 1 reward point per INR 100 spent.
1RP INR 0.25.
General Cashback Rate: 0.25%.
Cashback of 2% for all transactions over and above INR 2500. subject to a ceiling of INR 50 per transaction at Patanjali stores.
Users can get 5-7% additional cashback at Patanjali Ayurved Ltd. for Patanjali Swadeshi Samridhi card customers on recharge using the PNB-Patanjali credit card
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PNB VISA Gold Card | The user will get 1 reward point for every Rs. 100 spent.
The value of 1RP Rs. 0.50. Effective cashback rate: 0.5%.
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The PNB Global Platinum Credit Card | The value of 1 reward point is Rs. 0.50.
Customers can earn 1 reward point for every Rs 100 spent using the PNB Global Platinum Credit Card. Effective cashback rate: 0.50%.
2 reward points will be awarded on retail transactions for every Rs 150 spent using the Platinum card. Effective cashback rate: 0.67%.
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PNB Rakshak Rupay Platinum Card | Users can earn 1 reward point for every INR 100 spent.
1 RP = INR 0.50.
General Cashback Rate = 0.5%
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PNB RuPay Platinum Credit Card | Users will get 1 reward point per INR 100 spent.
The value of 1RP INR 0.50.
Effective Cashback Rate 0.5%.
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PNB Rupay Millennial Card | Users will earn 2 reward points for every INR 150 spent on this card.
1 RP = INR 0.50.
General Cashback Rate = 0.66%.
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PNB Rupay Select Card | User can earn 2 reward points for every INR 100 spent. 1 RP = Rs. 0.50. Effective cashback rate = 1%.
2x reward points on all your retail purchases.
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How to Activate PNB Bank Credit Card?
Online Activation via Internet Banking
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Visit the PNB Internet Banking website and log in with your credentials.
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Go to the ‘Cards’ section and select ‘Credit Cards’.
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Under the options, find ‘Generate/Change PIN’.
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Enter your credit card details and verify with the OTP sent to your registered mobile number.
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Set your desired 4-digit PIN to activate your credit card.
Activation via ATM
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Insert your PNB Credit Card into any PNB ATM.
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Select the ‘Generate PIN’ option.
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Enter the OTP/Green PIN received on your registered mobile number.
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Set your own 4-digit PIN, and your card will be activated.
Activation through IVR
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Call the PNB Customer Care number – 1800 180 2345 or 1800 103 2222.
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Select the option for credit card services.
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Enter your credit card number and authenticate with OTP sent to your registered mobile.
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Follow the instructions to set your PIN and activate the card.
Activation via WhatsApp Banking
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Save PNB’s WhatsApp number +91 92640 92640 in your contacts.
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Send a “Hi” message to start the service.
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Choose the ‘Credit Card Services’ option.
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Follow the prompts to enable transactions and activate your card.
Using the ‘PNB Credit Card Portal / Mobile App’
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Visit the PNB Credit Card Portal or log in via the PNB One Mobile App.
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Register/log in using your credit card details and OTP.
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Go to the ‘Card Control’ or ‘Manage Card’ section.
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Enable online, contactless, and international transactions as per your needs.
Other Fee And Charges
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Interest Rate: 2.95% per month, 35.89% annually
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Cash Advance Fees: 2.5% or a minimum of Rs. 500.
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Late Payment Fees: Rs 200 to Rs 750.
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Foreign currency Markup: 3.5%
PNB Bank's Journey
Punjab National Bank, or PNB, is one of India’s oldest and most respected banks. It was started on 12 April 1895 in Lahore (which is now in Pakistan). The bank was founded by famous Indian leaders like Lala Lajpat Rai and others. What made PNB special was that it was the first bank in India to be completely managed by Indians. At that time, most banks were under British control, but PNB was truly “by Indians, for Indians.”
When India gained independence in 1947 and the country was divided (Partition), PNB faced a very tough time because its head office was in Lahore, which became part of Pakistan. Even then, the bank did not stop. It shifted its main office to New Delhi and continued to grow. In 1969, the Government of India decided to nationalise 14 big banks, and PNB was one of them. This step made PNB a public sector bank, which means it became owned and run by the government for the benefit of the people.
PNB kept expanding over the years. In 1993, it merged with the New Bank of India, and later, in 2020, it became even bigger after the merger of Oriental Bank of Commerce (OBC) and United Bank of India (UBI). With these mergers, PNB became the second-largest government bank in India, just after the State Bank of India (SBI).
Today, PNB has over 10,000 branches and more than 12,000 ATMs nationwide. It also has offices in other countries like the UK, Dubai, Hong Kong, Nepal, and Bhutan. With over 125 years of service, Punjab National Bank is recognized as a strong, trusted, and people-friendly bank that has played a pivotal role in India’s banking history.
Rewards System
FAQs
Q: Which PNB Credit Card is right for me?
A: Punjab National Bank offers a wide range of credit cards designed for different lifestyles. Whether you spend more on shopping, dining, travel, or want a simple card for everyday use, PNB has options to match your needs. You can check eligibility and compare cards on the PNB website or through customer care.
Q: What are the fees associated with PNB Credit Cards?
A: Annual fees for PNB Credit Cards vary depending on the type of card. Some cards come with no annual fee, while premium cards may have higher fees. Other charges like late payment fees, cash advance fees, and foreign transaction charges may also apply. Always check the card’s fee structure before applying.
Q: How do I apply for a PNB Credit Card?
A: You can apply for a PNB Credit Card online through the official PNB Credit Card Portal or by visiting a nearby PNB branch. The process is simple and you can also track your application status online.
Q: What documents do I need to apply for a PNB Credit Card?
A: Usually, you will need to provide proof of identity (Aadhaar, PAN, Passport, etc.), proof of income (salary slip, ITR, or bank statement), and proof of address (utility bill, Aadhaar, Voter ID, etc.). The exact documents may vary depending on your profile and the type of card.
Q: How long does it take to get approved for a PNB Credit Card?
A: The approval process generally takes a few working days to a couple of weeks. PNB will verify your documents and eligibility before approving. Once approved, you’ll be notified, and the card will be sent to your registered address.
Q: How do I activate my new PNB Credit Card?
A: You can activate your PNB Credit Card by generating a PIN through Internet Banking, PNB ATMs, IVR, WhatsApp banking, or the PNB Credit Card Portal. Detailed instructions are provided along with the card.
Q: How do I make a payment on my PNB Credit Card?
A: Payments can be made through Internet Banking, PNB mobile app, NEFT/RTGS, cheque deposit, or cash at PNB branches. You can also set up auto-debit from your PNB savings account for hassle-free payments.
Q: What happens if I miss a payment on my PNB Credit Card?
A: If you miss a payment, PNB will charge a late payment fee and interest on the outstanding balance. Missing multiple payments may also affect your credit score. It’s best to pay at least the minimum amount due before the due date.
Q: How do I report a lost or stolen PNB Credit Card?
A: If your card is lost or stolen, immediately call the PNB Credit Card Customer Care helpline 1800 180 2345 (toll-free) or use the PNB app/portal to block the card. This helps prevent misuse. You can then request a replacement card.