abythomas557
TF Buzz
Hi,
Can any one share the experience with Punjab national bank credit cards?
Can any one share the experience with Punjab national bank credit cards?
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PNB Credit cards experience | Application process and time
- Thread starter abythomas557
- Start date
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- Tags
- pnb credit card
Abhishek012
TF Pioneer
PNB RuPay Select Credit Card -
Free Spa, Gym, Golf, Health checkup etc available on this RuPay Select Credit card.
RuPay Credit card also offer 15% off bigbasket offer per month.
Free Spa, Gym, Golf, Health checkup etc available on this RuPay Select Credit card.
RuPay Credit card also offer 15% off bigbasket offer per month.
Applied for PNB Platinum yesterday and completed the VKYC today, PNB is miles behind the likes of IDFC bank when it comes to a smooth onboarding process. Still better than earlier when a person had to visit their branch and needed to fill a lengthy form, provide a long list of documents and flatter their brute employees just to get a credit card.
Now you have a website https://apply.pnbcard.in/ using which you can raise a credit card request, submit the documents online and use a not so efficient VKYC portal https://videokyc.pnbcard.in to complete your VKYC.
Be aware that their VKYC executives follow their own standard time and they do not have any respect for the time slot in which your VKYC is scheduled. I waited almost an hour just to get my VKYC done.
Even after the successful VKYC, I haven't heard back from their side yet, no emails and no messages.
PNB web interface for applying credit card is still very crude, however it gets the job done, thousand times better than the manual approach of applying the credit card earlier with them.
Now you have a website https://apply.pnbcard.in/ using which you can raise a credit card request, submit the documents online and use a not so efficient VKYC portal https://videokyc.pnbcard.in to complete your VKYC.
Be aware that their VKYC executives follow their own standard time and they do not have any respect for the time slot in which your VKYC is scheduled. I waited almost an hour just to get my VKYC done.
Even after the successful VKYC, I haven't heard back from their side yet, no emails and no messages.
PNB web interface for applying credit card is still very crude, however it gets the job done, thousand times better than the manual approach of applying the credit card earlier with them.
I'm chasing Union Bank of India for the same reason.
now NPCI came in to picture as well, let's see what happens.
Which is better, Rupay Select or Rupay Platinum
Rupay Select is a higher variant than Platinum however it has a joining fees associated with it and an annual fee too if you don't make a transaction using the same card in every quarter. While applying for PNB card, I was offered their complete catalog of cards to choose from, the catalog showed PNB Platinum, PNB Rupay Select, PNB Millenia, PNB VISA Gold etc. However, me being a LTF hunter chose PNB Platinum as it doesn't have any joining fee associated with it and the annual fee can be waived off by making 1 transaction every quarter.
You can make as many transaction as you want but at least one is required every quarter to waive the annual fee off.
Nope, non account holders can also apply.
Even Rupay Select from Union Bank also doesn't have any joining fees.
Annual fees can be waived off for spending 50,000 & above in a year which is quite reasonable.
Gaurav_G
TF Buzz
Nope I think it's written if you do 1 transaction in a quarter then it's LTF.
I've done atleast one txn of ₹1 per quarter and so far I haven't been charged anything
metal_heart
TF Premier
What is the fee charged, if no spend is done in a quarter.
Also, is there any minimum amount to be spent in quarter.
Gaurav_G
TF Buzz
No minimum amount even ₹1 works still confirm once with bank officials
