Punjab National Bank (PNB) offers a wide selection of credit cards to accommodate diverse financial preferences and needs. Whether you seek cards with regular benefits, robust rewards programs, or specific features for shopping and travel, PNB presents options that align with your financial strategies. These credit cards are designed to boost purchasing power while providing convenience and excellent rewards.

Let’s explore the top PNB credit cards available in 2024, detailing their benefits, fees, eligibility criteria, and application processes.

Overview of Top PNB Credit Cards

PNB's assortment of credit cards suits both new users and seasoned cardholders. Categories include shopping, rewards, travel, and cashback programs, each offering unique features. Below is a highlight of prominent PNB credit cards to help you make informed financial choices:

1. PNB Rakshak Rupay Platinum Credit Card

• Annual Fee: Nil
• Best Suited For: Defence Personnel. This card tailors benefits to meet the needs of defence sector individuals, with zero annual fees, offering a cost-efficient solution.

2. PNB Visa Classic Credit Card

• Annual Fee: Nil
• Best Suited For: Shopping and Rewards. This card is perfect for shoppers who want to collect rewards through purchases, offering excellent value.

3. PNB Visa Gold Credit Card

• Annual Fee: ₹300
• Best Suited For: Shopping and Rewards. With a moderate annual fee, it delivers enhanced shopping rewards, a fitting choice for frequent shoppers.

Fees and Charges

PNB credit cards entail varying fees, including:

• Joining/Annual Fee: Varies per card type; some may have no fee.
• Finance Charges: 2.95% monthly, resulting in a 35.89% annual percentage rate (APR).
• Late Payment Fee: Structured as follows:
• Outstanding of ₹1,000 or less: Nil
• ₹1,001 to ₹5,000: ₹500
• ₹5,001 to ₹10,000: ₹600
• Above ₹10,000: ₹750

Eligibility and Documentation

Qualifications commonly require a credit score above 750, with some cards available for credit novices. General criteria include:

• Age: 18 to 60 years old
• Documents Required: Includes proof of identity, income, and residence. Access the full list on PNB’s credit card application portal.

How to Apply for a PNB Credit Card

Apply through the following steps:

1. Visit the official portal: Access the PNB credit card portal to download the desired application form.
2. Fill Out the Form: Provide accurate personal and financial details to avoid delays.
3. Submit the Form: Upload online or deliver in person at a PNB branch with necessary documents.
4. Track Application: Monitor status via the portal or by contacting PNB customer service.

Alternative: Comparing Credit Cards

Consider financial comparison tools to compare cards based on spending behavior and financial needs. Enter your mobile number for pre-approved offers matching your eligibility.

Conclusion

Punjab National Bank delivers credit card options for diverse financial needs, covering shopping, rewards, travel, and cashback. By assessing features, benefits, and the application process, select the card that aligns with your lifestyle and financial objectives. For additional support, visit PNB's official website or reach out to customer service. Useful payment services available include NEFT, RTGS, IMPS, and UPI, catering to both local residents and NRIs.