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Tips to apply PNB Credit Card and ways for quick approval..

RkrRkr is verified member.

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Here are some pro tips :-

*(Especially for salaried customers having ITR and having good credit score ,Willing to hands on Pnb credit card)

Follow below procedures/tricks.
1.Apply online or via Referal links available on different platforms..
2.Always go for Aadhar mentioned address as permanent and current address. your office address will be as where you are working.
3.Always try to apply in early morning time(For e.g between 0800 to 1000 hrs) so that VKYC could be done on same day.
4.Keep all your documents like bank account statement,ITR's,Salary slips ,Pan,Aadhar etc ready (Size should below 5 MB overall)
5.Apply and upload necessary documents.Further do the Vkyc Using link in SMS or mail or in continuous application process(Keep Pan and pen and paper ready).
6.Once you received KYC approval message.Next day repeating next day send one email to "creditcardpnb2@pnb.co.in" attaching your PAN ,Aadhar,Last 2 year ITR documents along with ITR acknowledgements to said mail id clearly mentioning your Application number in Subject line.e.g Additional documents for Application ref no-xxxxxxx.
7.Most probably the decision on application will be communicated to applicant in 2 to 3 days.

Hope it helps..Suggestions are welcome.
(Mine got approved in 4 days only Seems Fastest Approval.)

NOTE:-Keep all documents ready Pan colour image,and rest other in Pdf, before starting the procedure.Try to complete the whole procedure including documents upload and Vkyc in one session itself.

UPDATE 2- Those who are waiting for their physical card delivery,kindly note, if its more than 7 working days after approval message the kindly be in touch with local Dtdc courier office or Speed post office to know where about of your card and also write a mail to pnb card to know despatch details of card.

UPDTAE 3:- If you have not received any message of despatch of your card then another way to check in Pnb genie app.Open app and then select track my option and enter required details to know your despatch details with tracking id..

UPDATE 4:-The day you got the approval message from PNB ,Just download the PNB Genie App and with your Mobile number and DOB and then couple of OTP submissions and you will be able to access to complete digital card under E-Card section of app.Generate PIN for card on app itself.Note down the details and link your card at BHIM or Patym and enjoy seamlessly UPI payments through your PNB credit card even before delivery of your physical card.(Caution-Don't enable/activate Tap and pay and international transactions before delivery of your physical card).🙂🙂
 
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No need to send the same again and again . One time is enough if they acknowledged the first one.

Next step is, if 3 to 4 days have been passed since sending of documents then draft a mail asking status of your application and must mention appliaction number/ your mobile number and send it to
Creditcardho@pnb.co.in
Thank you, Card has been approved and is visible in the Genie App. 🤪

Screenshot 2023-07-12 115014.png
 
just a small doubt; i am new to ITRs and all; and i just filed my first ITR this month for this AY.
so when cards ask for ITR, what exactly should w have to submit? the ITR acknowledgement receipt? or Employer form 16, or something else?
 
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Yes send it and most probably you will get update on card approval status in 2 to 3 days.
@Rkr - would want to correct you here - maybe this method worked for you.

However, I have not seen any other case on this forum which was approved in a weeks time by PNB.

They take their own sweet time and following any process doesn't help - the underwriting Team looks at all cases maybe in a fortnight or so and they approve/reject applications accordingly.

Others can comment if I am wrong here.
 
@Rkr - would want to correct you here - maybe this method worked for you.

However, I have not seen any other case on this forum which was approved in a weeks time by PNB.

They take their own sweet time and following any process doesn't help - the underwriting Team looks at all cases maybe in a fortnight or so and they approve/reject applications accordingly.

Others can comment if I am wrong here.
Yes ,Now a days they are dealing with heavy application flow so even people are not able to complete vkyc or schedule vkyc.Their application flow is simple and completely digital with access of digital card thats why people are applying in large and also Rupay platform cards plays the key factors.

And about approval ,many have got within a week.Just go through the initial discussions page.But afterall the procedure is same as of now.Though they are taking bit more time to process but if applicant know how to deal then he might get quick decision on his application than others.

Post in thread 'PNB Credit cards experience | Application process and time' https://www.technofino.in/community...application-process-and-time.1711/post-159209
 
@Rkr Planning to apply PNB card as VKYC process i should be in residence or office location? or anywhere in my city is ok?
 
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i also have a query reg that. so my current and office address are in a different state; and my aadhaar/permanent address is in another state.
i will for now apply using permanent address only, but will office location being in a different state matter?
 
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i also have a query reg that. so my current and office address are in a different state; and my aadhaar/permanent address is in another state.
i will for now apply using permanent address only, but will office location being in a different state matter?
You just mention your Aadhar address as permanent Address and office address as where you are working.
But you must be avaliable either at you permanent or office location during VKYC procedure.
Different state doesnot matter.One of your locations must matches with device location during VKYC.
 
In PNB website I am unable to set card uses, after entering OTP it shows OTP incorrect, also in PNB genie app I am unable to send SMS on their number during verification, has anyone else experienced this problem?
i called customer care, she said we are facing technical issues, try after some time. 🙄🙄

Screenshot 2023-07-15 211148.png
 
In PNB website I am unable to set card uses, after entering OTP it shows OTP incorrect, also in PNB genie app I am unable to send SMS on their number during verification, has anyone else experienced this problem?
i called customer care, she said we are facing technical issues, try after some time. 🙄🙄

View attachment 22815
Temporary glitch..Will get ressolved soon.Then try.
 
It depends up on evaluation of your VKYC by backend team...Some gets on the same day and many day after and few got after follow up to customer care.

Thanks! Did VKYC this afternoon 11:45 received message by 3 PM. In VKYC rep said your card will be dispatched in 7 days! It means card approved? or need to wait for other form of confirmation.
 
Thanks! Did VKYC this afternoon 11:45 received message by 3 PM. In VKYC rep said your card will be dispatched in 7 days! It means card approved? or need to wait for other form of confirmation.
That doesn't mean your card is approved 😁😁, VKYC rep told me the same, you will receive an SMS in 2-3 days confirming your VKYC.
 
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