How To Apply For Punjab National Bank Credit Card, Eligibility

Credit cards act as financial tools that comes in handy when you want to do some quick transactions without worrying about the savings. They also serve several other purposes and can be a great resource for purchasing higher-priced items such as electronic goods or jewellery because the funds for these are not immediately available at our disposal. A number of banks offer credit cards in India with lucrative benefits. These benefits can range from reward programs and cashbacks to travel points. Users must ensure that they stay below the credit line, which is the maximum amount of credit made available to a particular customer by the bank to make purchases.

Thus, opting for the right credit card based on your lifestyle requirements will help you build a reputable credit score and reap the maximum benefits from the card. Punjab National Bank Credit Card are becoming exceedingly popular nowadays, after being accepted at over 29 million merchant establishments and 1 million Visa ATMs across the globe. Using your Punjab National Bank Credit Card regularly can help you assemble reward points that can be redeemed for exciting offers after the payment of your monthly bill. This article will help you know all that you need to learn to kick-start your PNB Bank credit card application process and other details related to Punjab National Bank Credit Cards that every customer must know.

Types of Punjab National Bank Credit Cards & Their Joining Charges

How To Generate Punjab National Bank Credit Card Pin

Punjab National Bank Credit Card pins can be generated via SMS or by visiting your nearest ATM machine. Depending on what resources you’ve got and which method you can follow easily, you can generate Punjab National Bank credit card PIN. It is very necessary to generate Punjab National Bank Credit Card PIN otherwise your card won’t work anywhere. It is a security process and you must remember the generated PNB CC PIN because you will have to enter it every time you want to do a transaction with your card. Follow the steps listed below to generate your pin in no time.

Via SMS:

• Type CARDPIN in capital letters.
• Add a space after the word CARDPIN.
• Now, you will be asked to provide the last 6 digits of your Punjab National Bank Credit Card number.
• Add another space after this.
• Mention your date of birth in the ddmmyy format.
• Send the message to 7092200200.

Via ATM:

The procedure for generating a credit card PIN using ATMs is the same for all banks. If you own credit card of any other bank, then you can follow the same steps mentioned below to generate PIN for it. The options and interface might be a little different from PNB but most banks have same options and procedure to do that.

• Use the Card Slot to insert your card and wait for the machine to detect it.
• Now, you can select the language in which you want to proceed.
• Click on the option ‘create PIN using OTP’.
• Now, this OTP will be sent to the mobile number that you have linked with your card.
• Enter the OTP into the ATM machine.
• You will be then asked to generate a PIN. Enter a 4-digit PIN that you want to set as your card PIN.
• Re-type the PIN and click on the ‘Submit’ option.
• You should receive an official message from PNB Bank stating that your PIN has been generated. Contact the bank instantly if you have not attempted to change or generate your PIN.

How To Register Credit Card In PNB Net Banking

To avail of net banking services, you can register your Punjab National Bank Credit Card on the bank’s portal. Although it is not necessary to link a credit card to a bank account but this option is useful because it helps you in tracking the transactions and managing your card in a better way. You must have a Punjab National Bank net banking account before you can do that. There are many guides available on the internet that shows you how to create PNB net banking account, so follow them, create your account and then follow these steps:

Things You Will Need:

1. Punjab National Bank Credit Card
2. Access to the registered mobile number.
3. PNB customer ID to log into your Net Banking account.
4. Visit the official website of Punjab National Bank via this link: https://www.pnbcard.in/login/ib.html

• Click on the ‘Login’ tab and then go to the ‘Customer’ subsection.
• Here, click on the ‘New User’ button.
• Now, you need to enter your Customer ID/Login ID and Password.

• Enter the name on the card, your date of birthday in ddmmyy format, and your mobile number.
• After entering all the details tick the ‘Accept Terms and Conditions’ checkbox
• Now, click on the ‘Submit’ option shown to you.
• Your card has been successfully registered and added to your PNB Net Banking account.

Punjab National Bank Credit Card Rewards Programme

How To Increase Credit Card Limit In Punjab National Bank Credit Card

Every bank uses different factors before setting a credit limit to a user’s card. But the factors are the same for almost all and you must know about them to keep a good credit score. You will be told about the credit limit while applying for the card or you can also check it anytime using the PNB official bank app. If your income and financial status has increased from the time you got your card, then you can reach your bank’s manager or write an application to the bank to see if you are eligible for an upgrade. However, you should first be aware of the various factors on the basis of which your credit limit will be determined.

Your Annual Income: The banks know how much money you make in a year and based on that; they decide how much money you can pay to them. This helps them in issuing a credit card limit and this is the key factor that defines your card limit. So, if you have big money coming in to your account every month, you will get a higher credit limit by the bank.

Pending Debts: Any debts, ongoing loans/EMIs, or negative balances in your account will automatically influence your credit limit. If you have any unpaid loans or uncleared card dues, your credit limit is bound to be lower.

Credit Score: You should work on increasing your credit score to get an increased credit card limit.

Now, we shall discuss the various methods that will help you increase your Punjab National Bank Credit Card limit.

Pay your credit card bills timely: If there are no delays in the payment of your credit card bills, the bank will automatically increase the credit limit of your credit card.

Write to the bank: You can always email the bank at creditcardpnb@pnb.co.in using your registered email ID, asking to increase your credit limit. You should attach your salary slip, bank statement, and repayment history too. In case of any issues, you can contact their helpline numbers: 1800 180 2345/ 0120-4616200.

Reduce your credit utilisation ratio: You should work on decreasing your credit utilisation ratio. Ideally, it should be less than 30%.

All these methods will come in handy if you wish to have a higher PNB Bank credit limit.

Also Read

How To Apply For HDFC Credit Card, Eligibility: Step-by-step

How to Cancel Victoria Secret Credit Card: Step-by-Step

How to Apply for Axis Bank Credit Card-Eligibility and Documents

Final Words

All cardholders should note that they have to furnish certain documents to the bank while submitting the request for increasing the credit limit. A soft copy should be attached via mail. A hard copy can also be submitted by visiting your nearest PNB bank branch. Punjab National Bank allows you to own different types of credit cards and you must take advantage of them to shop, transact, and to redeem the best ongoing offers.

These cards come equipped with various benefits that make transactions convenient and rewarding for cardholders. You should also try and use your card as frequently as possible to get unlock more features and get access to a higher credit limit. Let us know if you have Punjab National Bank Credit Card related questions or visit the official PNB website for detailed instructions.

Cardtopedia

My name is Card-Topedia, and I’m the author of Cardtopedia.com, a blog about credit cards and banking. I’ve been passionate about fintech since graduating from university with an honours degree in finance. I currently live in London but have experience living and working abroad in several countries including Germany and Australia. With my financial background and personal experience, I’m passionate about helping people make informed decisions when it comes to credit cards and banking products. Through Cardtopedia, I provide unbiased reviews, tips and advice on how to maximize rewards while minimizing fees. My goal is to help readers simplify their finances so they can focus on what matters most – achieving financial freedom!