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Secured celesta credit card

I opened a selfie account today and booked an FD worth Rs. 25K to get a secured Celesta credit card. I am unable to find a way to apply CC and lien my FD against the credit card.

PS: I want this card solely for the purpose of Free international Airport lounge access outside India. Please share any other LTF secured credit card (with around 25K FD), Debit card or Family Saving Accounts (with upto 2L AMB)
 
I opened a selfie account today and booked an FD worth Rs. 25K to get a secured Celesta credit card. I am unable to find a way to apply CC and lien my FD against the credit card.

PS: I want this card solely for the purpose of Free international Airport lounge access outside India. Please share any other LTF secured credit card (with around 25K FD), Debit card or Family Saving Accounts (with upto 2L AMB)


Im not sure on fd amount regarding secured cc + variant
 
I opened a selfie account today and booked an FD worth Rs. 25K to get a secured Celesta credit card. I am unable to find a way to apply CC and lien my FD against the credit card.

PS: I want this card solely for the purpose of Free international Airport lounge access outside India. Please share any other LTF secured credit card (with around 25K FD), Debit card or Family Saving Accounts (with upto 2L AMB)
Fund 5 lakh IP get idfc wealth DC for lounge.
 
I opened a selfie account today and booked an FD worth Rs. 25K to get a secured Celesta credit card. I am unable to find a way to apply CC and lien my FD against the credit card.

PS: I want this card solely for the purpose of Free international Airport lounge access outside India. Please share any other LTF secured credit card (with around 25K FD), Debit card or Family Saving Accounts (with upto 2L AMB)
Its done now ???
 
Are u sure about 25k fd for rupay plat cc?
Can u share source
200 percent; I already have one against FD.

First, open an account with PNB and download the PNB One app.


1. Create FD

2. Wait for 30 days (cooling period).

3. Apply CC against FD.

4. E-CC will be generated within 2–3 working days.

5. Physical card dispatch and delivery within 10–14 working days.
 
200 percent; I already have one against FD.

First, open an account with PNB and download the PNB One app.


1. Create FD

2. Wait for 30 days (cooling period).

3. Apply CC against FD.

4. E-CC will be generated within 2–3 working days.

5. Physical card dispatch and delivery within 10–14 working days.
1)what in your CIBIL report your PNB card is reported as SECURED CREDIT CARD OR UNSECURED CREDIT CARD ( please share the screenshot for proof bro as what it is showing in cibil)
2)Name/variant Of the CARD that you have taken ???
3)card which is received is visa or master or rupay ??
4)Channel You applied the FD based card, like through APP, BRNACH, AGENT, IVR E.T.C
5)while applying for FD based CREDIT CARD in any above channel , DOES HARD ENQUIRY happened on or after the date of appying , please check in your cibil in HARD enquiry section once and reply all the above qs bro

please bro it helps us a lot bro, please share screenshots bro.

tq
 
1)what in your CIBIL report your PNB card is reported as SECURED CREDIT CARD OR UNSECURED CREDIT CARD ( please share the screenshot for proof bro as what it is showing in cibil)
2)Name/variant Of the CARD that you have taken ???
3)card which is received is visa or master or rupay ??
4)Channel You applied the FD based card, like through APP, BRNACH, AGENT, IVR E.T.C
5)while applying for FD based CREDIT CARD in any above channel , DOES HARD ENQUIRY happened on or after the date of appying , please check in your cibil in HARD enquiry section once and reply all the above qs bro

please bro it helps us a lot bro, please share screenshots bro.

tq
1. Never checked .... so no idea
2. PNB Rupay Platinum credit card
3. Rupay
4. FD thru App ( 30 days cooling period )
5. Nope ...... No CIBIL inquiry was raised by the bank for a secured credit card..
 
Bro please see attachment which I downloaded from another thread related to secured cc
1.So in CIBIL, it shows as in screenshot for SECURED CREDIT CARDS, SO i WANT TO Know whether it is showing the same for you or it is showing as unsecured card.
2.please share screenshot bro by hiding details from your Cibil

3.Does annual fee and joining fee is there or Life time FREE card

4. [requesting bro help me] please check the secured or unsecured status of this cc in your CIBIL bro and please also check about hard inquiry done after or while applying the same card

please bro very urgent to me , please bro in very damaged state.

thank you for prev reply
 

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Bro please see attachment which I downloaded from another thread related to secured cc
1.So in CIBIL, it shows as in screenshot for SECURED CREDIT CARDS, SO i WANT TO Know whether it is showing the same for you or it is showing as unsecured card.
2.please share screenshot bro by hiding details from your Cibil

3.Does annual fee and joining fee is there or Life time FREE card

4. [requesting bro help me] please check the secured or unsecured status of this cc in your CIBIL bro and please also check about hard inquiry done after or while applying the same card

please bro very urgent to me , please bro in very damaged state.

thank you for prev reply
For PNB Rupay select against FD-

No hard enquiry if you do it from app against FD.

The card shows as Unsecured in Cibil.

No joining and annual fee. But make sure you use the card once in a quarter.
 

Limit & Eligibility Criteria for issuance of credit card against FDR through Digital Mode:


Parameter

Limit, Eligibility Criteria and other terms of the product

Age

Min: - 18 Years
Max: - 75 Years

Limit of the Credit Card

Card Credit Limit will be set up in multiples of 1000/- on the lower side of 80% of Term Deposit amount with Min & Max limit as under: -
Min: - Rs. 10000/-
Max: - Rs. 400000/-

Types Of Credit Card

1. PNB Rupay Platinum (On Rupay Platform)
2. PNB Classic (On VISA Platform)
3. PNB Gold (On VISA Platform)

Amount of FDR

Min: - Rs. 13000/-
Max: - Rs. 500000/-
Customer can apply Credit Card against the single as well as multiple FDR’s & limit of the Credit Card will be calculated as 80% of the principal amount of the FDR/FDR’s.

Other Term & Condition

=> Fixed Deposit opened through offline or on-line mode in single name & mode of operation is Self are eligible. FDRs in the joint name are not eligible.
=> FDR’s open date should be minimum 30 days prior to Credit Card against FDR application applied through PNBONE.
=> FDR issued under Tax-Saver scheme & Capital Gains Scheme are not eligible. Further FFD’s & Recurring Deposits are also not eligible.
=> FDR against which Lien of partial/full amount is already marked in the system are not eligible.
=> Maximum 5 FDRs of a customer will be displayed in MBS. Selection of maximum 5 FDR’s is based on descending order (Highest First & lowest Last) of amount of FDR, starting with Highest amount of FDR.
=> Partial withdrawal will not be allowed from FD against which Credit Card is issued.
=> Any variant of Credit Card from the mentioned list can be selected by the applicant as per request / preference and subject to their eligibility. All Offline and/or Online Fixed Deposit accounts fulfilling eligibility criteria shall be available for selection on PNBONE mobile application.
=> Digital mode through MBS only
=> Only FDRs with Autorenewal Flag as ‘Yes’ will be considered under this scheme.
=> In case a Credit Card Holder fails to make payment of monthly Credit Card Dues till the expiry of 60 days of payment due date, the outstanding against the Credit Card will be liquidated by making premature encashment of Term Deposit and by appropriating the proceeds towards repayment of Credit Card dues.

Registration Process:​

One Can Easily Apply for Credit Card against FD through PNB ONE by following below mentioned steps:​

  • Login to PNB ONE App.
  • Click on ‘Credit Card against FD’ Icon
  • Select FD(s) from the list of FDs shown against which credit card is required. Please note that Lien will be marked on all selected FD(s).
  • Once FD(s) are selected, credit card sanctioned limit will be calculated and displayed on screen. Proceed further.
  • Select Card Variant.
  • Enter Email ID and Preferred Name on Card. Fill details of nomination in case RUPAY credit card required.
  • Fill relevant details as per Card variant selected and proceed. Enter OTP.
  • Application successfully submitted. Virtual Card with variant displayed immediately on screen.
 
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