How to apply for Punjab National Bank Credit Card

To apply for a Punjab National Bank (PNB) Credit Card, follow these organized steps:

1. Check Eligibility Criteria

• Age: Typically 21–65 years (varies by card type).
• Income:
  • Salaried individuals: Minimum monthly income (e.g., ₹15,000+).
  • Self-employed: Annual income as specified (e.g., ₹2–5 lakh+).
• Employment: Stable job or business (6+ months with current employer).
• Residency: Indian resident with valid address proof.
• Credit Score: Good CIBIL score (ideally 750+).

2. Choose the Right Card

• Compare PNB credit cards (e.g., PNB Rupay Select, PNB Platinum, or co-branded cards) based on benefits like rewards, cashback, travel perks, or fuel surcharge waivers.
• Visit PNB’s Credit Card section to review features.

3. Application Methods

• Online:
  1. Visit PNB’s official website.
  2. Navigate to Credit Cards → Apply Now.
  3. Select a card, fill the form with personal/employment/financial details.
  4. Upload scanned documents (ID, address, income proof).
  5. Submit and note the application reference number.
• Offline:
  1. Visit a PNB branch.
  2. Collect the application form or download it from the website.
  3. Fill in details, attach documents, and submit to branch staff.
• Pre-Approved Offers (for existing customers):
  • Check via PNB Internet Banking/Mobile App for pre-approved offers.

4. Required Documents

• Identity Proof: PAN card, Aadhaar, Passport, or Voter ID.
• Address Proof: Utility bill, Aadhaar, or Rent Agreement.
• Income Proof:
  • Salaried: Recent salary slips + 3–6 months bank statements.
  • Self-employed: ITR (last 2 years) + business proof.

5. Application Review

• PNB verifies documents and checks credit history.
• Processing time: 7–15 working days.
• Status updates via SMS/email or track online using the reference number.

6. Card Delivery & Activation

• Upon approval, the card is dispatched to your registered address.
• Activation:
  • Call PNB’s toll-free number (1800 180 2222 / 1800 103 2222).
  • Use SMS/Net Banking for activation.
• Set PIN via IVR/ATM.

7. Key Considerations

• Fees: Annual fees, joining fees, and late payment charges.
• Credit Limit: Determined based on income/credit profile.
• Rewards: Understand redemption rules and expiry dates.
• Responsible Usage: Pay bills on time to avoid interest and maintain credit health.

Tips for Success

• Ensure accurate and complete application details.
• Compare cards to align with spending habits.
• Check pre-approved offers if you’re an existing PNB customer.

For assistance, contact PNB Customer Care: 1800 180 2222 / 0120-2490000.

By following these steps, you can efficiently apply for a PNB Credit Card tailored to your needs.