PNB (Punjab National Bank) Credit Card Eligibility Criteria
To apply for a PNB credit card, you must meet the following general eligibility requirements. Specific criteria may vary depending on the card type (e.g., entry-level, premium, or co-branded cards):
1. Basic Eligibility Requirements
- Age:
- Primary Applicant: 21–65 years (may vary by card).
- Add-on Cardholder: 18+ years.
- Income:
- Salaried Individuals: Minimum monthly income of ₹15,000–₹50,000+ (varies by card).
- Self-Employed: Annual income of ₹2–6 lakh+ (depends on card type).
- Employment Status: Salaried, self-employed, or professionals with stable income.
- Credit Score: CIBIL score of 750+ (or equivalent) for higher approval chances.
- Nationality: Indian resident (some cards may allow NRIs).
- Existing Relationship: Existing PNB account holders may get preferential treatment.
2. Documents Required
- Identity Proof: PAN card, Aadhaar, Passport, or Voter ID.
- Address Proof: Aadhaar, Utility Bill, or Passport.
- Income Proof:
- Salaried: Recent salary slips + bank statements (3–6 months).
- Self-Employed: ITR (last 2–3 years) + business proof.
- Credit Card Statement (if applying for a premium card or as an existing cardholder of another bank).
3. How to Apply
- Online: Visit the PNB website, check eligibility, and submit an application.
- Offline: Visit a PNB branch with documents.
- Pre-approved Offers: Existing customers may receive offers via SMS/email.
4. Tips to Improve Eligibility
- Maintain a CIBIL score > 750.
- Avoid multiple credit inquiries in a short span.
- Clear existing debts or credit card dues.
- Highlight a stable income source (e.g., salary slips, ITR).
5. Common Reasons for Rejection
- Low income or unstable employment.
- Poor credit history (missed payments, defaults).
- High existing credit utilization (>30–40%).
- Incomplete/incorrect application details.
Note: Eligibility criteria vary by card (e.g., PNB Rupay Platinum, PNB Zenith, or co-branded cards like PNB OBC). Always check the specific requirements for your chosen card on the official PNB website or contact customer care.
