No bro it is true the card will never reach you it has been 1 month 20 days but I didn't get physical card neither the tracking I'd.I will request other people to never apply pnb card ,it is the worst psu bank ,they are not customer friendly.They will not pickup your call neither reply on email.Their technical issue is happening from 2 months🤣🤣.Everytime they give new excuses.I have today closed my credit card without receiving physical card yet.