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

Rkr

TF Legend
TF Family
Contributor
Moderator
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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ronakshah

TF Premier
I took this card only for health checkup benefit and as my first Rupay card. I did not find any other use of this card. Later I got Tata Neu infinity and I kept using it as it gives 1.5% cashback. Pnb rupay select cashback comes around 0.68% if you redeem points against statement credit.
I will use it for one year and see if I'm able to get any benefits out of it as I have already paid joining fees for the first year.
 

aayusharyan

TF Ace
Koi na..Use it for 6 months from here now.And send request of LE through app and attach ITR of 24-25 and you will get easy enhancement of limit.
I got reply... They say "pehli fursat mein nikal" 🤣
Will wait for the cooldown period and then apply for LE.
BTW, does anyone know if going to the bank and applying has any positive effect?
 
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Reactions: Rkr

Rkr

TF Legend
TF Family
Contributor
Moderator
I got reply... They say "pehli fursat mein nikal" 🤣
Will wait for the cooldown period and then apply for LE.
BTW, does anyone know if going to the bank and applying has any positive effect?
Nooooo.After all they will send the forms to Noida address by their channels.Applying from Genie app and sending mail is quick and fast.
 

aayusharyan

TF Ace
Nooooo.After all they will send the forms to Noida address by their channels.Applying from Genie app and sending mail is quick and fast.
Ohh, lol. Then I won't bother. My parents have their home loan with them, so I thought maybe going to branch can help, but otherwise if they will also send to niyodda, then nvm, lol.
 
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Reactions: Rkr

pratyushpanda

TF Premier
Bhai wese v ye card kahan utna kaam ki jyada se jyada cleartrip pe hotel ya flight booking me use ho jaega.. aur kuch khas use case dikh to ni rha.. kuch aur benefits hai kya jo me miss kar rha 🤔🤔
 

aayusharyan

TF Ace
Bhai wese v ye card kahan utna kaam ki jyada se jyada cleartrip pe hotel ya flight booking me use ho jaega.. aur kuch khas use case dikh to ni rha.. kuch aur benefits hai kya jo me miss kar rha 🤔🤔
My reason to get this was to just get this as another bank in my arsenal. (Just in case if needed).
Baaki once I get it, I will put maybe some subscription service on this and then forget it.
 

aayusharyan

TF Ace
Folks, it's official. I am a cardholder now.

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Special thanks to @Rkr

itni-khushi.gif
I got the dispatch message now. So others can estimate, it takes 10 days for them to setup and print the card.

Interestingly, they are sending via DTDC.
 

shashank08

TF Premier
How long it usually takes after VKYC in approving VKYC and getting the card?
I completed VKYC on 4th Dec and still no update after that.
 
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