PNB Credit cards experience | Application process and time

[abythomas557]

Hi,
Can any one share the experience with Punjab national bank credit cards?

 

[D7162]

See send pdf below 1 MB else you will got error...if You have sent image of form 16 then might have around 5 to 6 MB and it will give error..send on
Creditcardpnb2@pnb.co.in

Its even below 500kb

 

[WandereR]

Whats the harm in sharing signed copy if all documents are genuine.

No harm. Since they mentioned "scanned", I felt they wouldn't consider virtually signed ones

 

[RkrRkr is verified member.]

No harm. Since they mentioned "scanned", I felt they wouldn't consider virtually signed ones

Virtual one is also accepted you will not be able to differnciate whether it is original sign or virtual sign..Afterall sign required for bank doest not matter how you have done..

 

[RkrRkr is verified member.]

Had sent this. Then finished with the ITR and sent that as well today. I hope they don't insist on a signed+scanned copy of it. Else I'll probably drop it

Have written a thread on the appliaction process wayback.kindly go through..

Thread 'How to apply for PNB Credit Card , so that it approved quickly ?' https://www.technofino.in/community...redit-card-so-that-it-approved-quickly.10340/

 

[RkrRkr is verified member.]

No harm. Since they mentioned "scanned", I felt they wouldn't consider virtually signed ones

If at all any specific help required .You may DM me.

 

[WandereR]

If at all any specific help required .You may DM me.

Sure. Thanks

 

[Lakshya Mahani]

No need this at all, if the credit limit is allocated, it's almost done. PNB won't allocate limit without final stage. Wait for few more days, in PNB app u can see virtual card.

Update- My father's rupay platinum card approved today with a decent limit of 1 lakh. Now, i will guide my father to make UPI payments via this card( he doesn't have tata neu card) as it will help in waiving off annual fee. So no headache of doing a transaction in a quarter.

 

[RupayMan]

Update- My father's rupay platinum card approved today with a decent limit of 1 lakh. Now, i will guide my father to make UPI payments via this card( he doesn't have tata neu card) as it will help in waiving off annual fee. So no headache of doing a transaction in a quarter.

Make sure u pay PNB card via their bill desk only for headache free process of credit back to card

 

[Lakshya Mahani]

Make sure u pay PNB card via their bill desk only for headache free process of credit back to card

Sure, i will keep that in mind.

 

[Deathsnatcher]

Guys is there any reward points using pnb select
because i cant find any rewards for this rupay card

 

[RupayMan]

Guys is there any reward points using pnb select
because i cant find any rewards for this rupay card

The only rewards it provides wellness benefits from Rupay.

 

[Deathsnatcher]

The only rewards it provides wellness benefits from Rupay.

what does this means

• 2X rewards points on retail merchandise
  they mentioned on there website !

 

[RupayMan]

what does this means

• 2X rewards points on retail merchandise
  they mentioned on there website !

Do you really feel this rewards benefit much?

 

[KT Shanmuganathan]

Guys is there any reward points using pnb select
because i cant find any rewards for this rupay card

you will get 2 reward point of each 150 spent. The spent can be through anything like UPI, POS, Online. Expect fuel, gold purchase....
You can see the reward points after one week / 10 days of transaction in some cases.

Each reward point equal to 50 paise.

 

[Deathsnatcher]

Do you really feel this rewards benefit much?

yes i feel 1 rs CB on 150 rs is 0..66% rewards
spending 1l/month gived you 660 rs/month [ something better than nothing]

 

[RupayMan]

yes i feel 1 rs CB on 150 rs is 0..66% rewards
spending 1l/month gived you 660 rs/month [ something better than nothing]

It's a huge amount to spend and rewards are penuts. Better rewarding cards exist even with LTF like Amazon pay, or with lower fee.

 

[Bharat]

I do not have latest ITR (dont want to submit old ITR)
So I sent Form16 but still they replied with

Dear Sir,
We are in receipt of above credit card application for processing. Due to the reasons mentioned below the same has been found discrepant.
Discrepant reasons for credit card application
· Latest ITR/Form 16 is not uploaded
Kindly share the above requested documents, signed scanned copy to us within 3 working days through return e-mail at creditcardpnb2@pnb.co.in.
In case we don’t receive above document from your end, your applications shall be rejected.
NOTE :- If you are a salaried person and your annual income is less than 5 lakhs, then you can also submit your latest Form 16.

I mentioned multiple times that the call center agent did mentioned that its fine if you dont submit Form16/ITR for CC application

 

[V360V360 is verified member.]

Some useful info for folks who wants to go ahead with PNB CC application:

· CIBIL Score of customers except FDR cases should be 645 & above with overdue if any should be less than 5K.

· Minimum income should be 20.834 K per month or 2.5 lakh per annum.

 

[V360V360 is verified member.]

I do not have latest ITR (dont want to submit old ITR)
So I sent Form16 but still they replied with

I mentioned multiple times that the call center agent did mentioned that its fine if you dont submit Form16/ITR for CC application

Yes I have been receiving the same reminders - this time, I had to take a printout, sign and share the scanned copy.

If they still send me the same email, I will pick this up with RBI.

 

[Bharat]

Yes I have been receiving the same reminders - this time, I had to take a printout, sign and share the scanned copy.

If they still send me the same email, I will pick this up with RBI.

I just sent them a signed copy, I was also thinking of going the RBI way if no positive reply by evening.