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

[Rkr]

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).🙂🙂

 

[Lobogris]

For new to bank customers, their website demands a bank statement from existing bank. Do they need to see a salary credit in this statement or an ITR is enough? Do we need to submit a bank statement even if ITR is submitted? Otherwise, I will consider opening a higher variant savings account with them and wait 6 months and see if they would approve it.

 

[shashank08]

For new to bank customers, their website demands a bank statement from existing bank. Do they need to see a salary credit in this statement or an ITR is enough? Do we need to submit a bank statement even if ITR is submitted? Otherwise, I will consider opening a higher variant savings account with them and wait 6 months and see if they would approve it.

I have submitted the application recently.
It seems latest ITR and 6 months account statement is required. Instead of ITR, I submitted last 3 months salary slip but they came back and asked ITR.

I didn't upload account statement of my salary account to them.

Opening an account with PNB is not required.
So ITR + 6 months bank statement from any of your main account should work.

 

[rafzy]

Guys, which creditcard to apply on PNB since they have a lot of options I guess.
1) I'm looking for LTF
2) Which variant of their card has most benefit (Rupay or visa)

 

[Lobogris]

I have submitted the application recently.
It seems latest ITR and 6 months account statement is required. Instead of ITR, I submitted last 3 months salary slip but they came back and asked ITR.

I didn't upload account statement of my salary account to them.

Opening an account with PNB is not required.
So ITR + 6 months bank statement from any of your main account should work.

Thanks for sharing your experience. Extremely useful. I was referring to this part from their Elite savings account document:

For New to Bank Customer (NTB): Credit Card facility automatically based on CIBIL records/other due diligence and satisfactory 6 months transactions.

For Existing to Bank Customer(ETB): Customer having minimum 6 months of relationship falling under HNI category will be centrally offered by HO: Credit Card Division topmost variant of Credit Card, based on their eligibility and due diligence.

 

[zaid_2913]

Anyone got upgrade / approval for Rupay Select CC below 5 lac ITR?
1. I got approved for Rupay Platinum card and now requested upgrade from app.
2. Sent email with ITR.
3. Received reply that 5 lac ITR is required for upgrade. (mine is 4.99 after deductions)
4. Sent them email again with computation of income & other bank CC statement.

Hey, i am also getting your card status is blocked. How you unblocked the card.

 

[subinpk]

So ITR / Salary slip is a must?
Anyway i can apply without one?
Have 780 cibil

 

[shashank08]

So ITR / Salary slip is a must?
Anyway i can apply without one?
Have 780 cibil

ITR is also must..
PNB is going to ask you ITR + 3 months salary slip + Salary account statement (6 months)

It gives option either to upload ITR or 3 months salary slip.
Even if you have uploaded salary slip, PNB will ask you for ITR saying that application is lying discrepant. Happened with me recently.
I uploaded non-salary account statement but they came back asking 6 months statement of the salary account.

So ITR + 3 months salary slip + Salary Account statement (6 month) are required, if you are salaried.

 

[cardy]

Guys, which creditcard to apply on PNB since they have a lot of options I guess.
1) I'm looking for LTF
2) Which variant of their card has most benefit (Rupay or visa)

Pnb Rupay platinum will be a good fit

 

[subinpk]

ITR is also must..
PNB is going to ask you ITR + 3 months salary slip + Salary account statement (6 months)

It gives option either to upload ITR or 3 months salary slip.
Even if you have uploaded salary slip, PNB will ask you for ITR saying that application is lying discrepant. Happened with me recently.
I uploaded non-salary account statement but they came back asking 6 months statement of the salary account.

So ITR + 3 months salary slip + Salary Account statement (6 month) are required, if you are salaried.

Thankyou for the information...😀

 

[ishtiyaaqahmed]

When I select my location during the application , the application goes back to the start. I am 100% PNB operates in my location. Anybody experience this issue ?

 

[YCJ]

Finally got my PNB RuPay Platinum CC approved today, exactly 20 days from the date of application!

Physical card is yet to be delivered. Randomly checked the PNB Genie app today to see the status and that's when I could see my virtual card. 20 days just for approval! Let's see now how much time they take for dispatch and delivery of the physical card.

On other note, just to confirm, the only condition to keep this card LTF is to use it once every quarter, right?

 

[Rkr]

Finally got my PNB RuPay Platinum CC approved today, exactly 20 days from the date of application!

Physical card is yet to be delivered. Randomly checked the PNB Genie app today to see the status and that's when I could see my virtual card. 20 days just for approval! Let's see now how much time they take for dispatch and delivery of the physical card.

On other note, just to confirm, the only condition to keep this card LTF is to use it once every quarter, right?

Within max 5-7 days ,you will get your card is in your Address.

 

[Rkr]

When I select my location during the application , the application goes back to the start. I am 100% PNB operates in my location. Anybody experience this issue ?

Try changing the browser.
Even try Desktop mode..

 

[YCJ]

The only condition to keep PNB RuPay Platinum credit card LTF is to use it once every quarter, right? Is there any minimum value of transaction needed?

Could someone please confirm this?

 

[ishtiyaaqahmed]

Tried in Safari ,Mobile Safari, Windows Edge and firefox, no luck.

 

[Rkr]

The only condition to keep PNB RuPay Platinum credit card LTF is to use it once every quarter, right? Is there any minimum value of transaction needed?

Could someone please confirm this?

Just Do one transaction of any amount.

 

[Rkr]

Tried in Safari ,Mobile Safari, Windows Edge and firefox, no luck.

What is your location.

 

[Yugi]

What happens if we do VKYC from an address which is not mentioned in the application, will get approved?
I have come to my hometown for holidays, but gave my office address in my application.

 

[Rkr]

What happens if we do VKYC from an address which is not mentioned in the application, will get approved?
I have come to my hometown for holidays, but gave my office address in my application.

And what is the address mentioned on the adhar....If you hometown address and adhar address is same then proceed for vkyc..

 

[Yugi]

And what is the address mentioned on the adhar....If you hometown address and adhar address is same then proceed for vkyc..

Yes my aadhaar address is same as my hometown address where I am currently staying for holidays. I will proceed for VKYC and see what happens.