PNB Credit cards experience | Application process and time

[abythomas557]

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

 

[Sandeepmangate]

Hi Guys, had applied on 26th September, and received my card today on 3rd November.

Received Rupay Select with 1.5 lakhs limit 🙂 Overall happy considering its an PSU

What was offered provisional credit limit?

 

[kkk]

No rewards on UPI transaction

People who are looking reward for UPI Transaction. Please see the fact that you are getting upto 45 days that amount which even if you keep in saving account you will get some reward. Don't be greedy 😛

 

[manikP]

People who are looking reward for UPI Transaction. Please see the fact that you are getting upto 45 days that amount which even if you keep in saving account you will get some reward. Don't be greedy 😛

And pay bill through DC to get additional rewards.

 

[kkk]

And pay bill through DC to get additional rewards.

Yeah 🙂

 

[db24]

People who are looking reward for UPI Transaction. Please see the fact that you are getting upto 45 days that amount which even if you keep in saving account you will get some reward. Don't be greedy 😛

Agree, that is the reason this card is catching attention

 

[Vipsssy]

What was offered provisional credit limit?

What do you mean by Provisional credit limit? My limit is fixed at 1.5 lakhs which came during card delivery only.

 

[Vipsssy]

Agree, that is the reason this card is catching attention

yes but need some motivation to use Rupay cards na so they should give some reward eve 1:4 will do

 

[Abhishek012]

yes but need some motivation to use Rupay cards na so they should give some reward eve 1:4 will do

You will get rewards points on RuPay credit card payment mode but payment via UPI mode, currently PNB bank is not decide yet to give rewards points or not.

HDFC RuPay credit card linked UPI also coming soon, hope HDFC bank will give rewards points on UPI spend.

Did he apply for it or was it a mistake by pnb ?

No, he applied for Patanjali card.

 

[Rishabh]

I am trying to apply the card, on document upload page once I upload single document and click on upload it take me back to first page and restart process. Tried thrice since last night but same error.

Cibil enquiry happened during first try last night, can see 5lac enquiry against Credit card in CIBIL.

Anyone face above issue?

 

[manikP]

I think they lost my application or something.

I applied on 21 August and everytime I ask for an update, they just say it's in progress.

 

[V360V360 is verified member.]

I am trying to apply the card, on document upload page once I upload single document and click on upload it take me back to first page and restart process. Tried thrice since last night but same error.

Cibil enquiry happened during first try last night, can see 5lac enquiry against Credit card in CIBIL.

Anyone face above issue?

Yes - same thing happened with me - I tried twice and have 2 CIBIL enquiries now. Have dropped a note to PNB Team on this technical glitch, however there is no response. Looks like now they dont want online applications.

 

[RAJAT1]

Yes - same thing happened with me - I tried twice and have 2 CIBIL enquiries now. Have dropped a note to PNB Team on this technical glitch, however there is no response. Looks like now they dont want online applications.

how can one see cibil enquiries?

 

[Vipsssy]

how can one see cibil enquiries?

Check your CIBIL report.

 

[RAJAT1]

Check your CIBIL report.

how can I check it for free? i heard there is a limit we can check it for free

 

[Sandeepmangate]

how can I check it for free? i heard there is a limit we can check it for free

Thread 'Platforms to check Credit Score for free' https://www.technofino.in/community/threads/platforms-to-check-credit-score-for-free.901/

 

[mgforce]

Now that we have many owners of PNB Credit Card, wondering if someone has found a smart way to pay for PNB Credit Card - with some cashback 😉

 

[Digvijay]

Finally, received that golden message from PNB, "Your application has been approved. You will receive your card within 5 days". Seems an achievement, considering the Diwali holidays, this might be the fastest application they have processed. Interestingly, they approved the same credit limit for which they have made CIBIl enquiry!

23 days journey comes to an end with this! Indeed a memorable experience.

 

[Symbian]

Yes - same thing happened with me - I tried twice and have 2 CIBIL enquiries now. Have dropped a note to PNB Team on this technical glitch, however there is no response. Looks like now they dont want online applications.

Please try converting pdfs to images and then upload documents. After uploading PDFs, the page goes to first page, but when I tried with image, it was successful upload.
Only issue you will face is with bank statement, I just uploaded first page of bank statement as image.

 

[Symbian]

I completed video KYC, but the agent said I have to get Aadhaar photo updated, although I have an application number generated, can I do offline KYC at branch? Has anyone done offline KYC for PNB credit card.

 

[db24]

I completed video KYC, but the agent said I have to get Aadhaar photo updated, although I have an application number generated, can I do offline KYC at branch? Has anyone done offline KYC for PNB credit card.

I guess offline KYC is not possible with the online application. I am not sure, but if you submit an offline application, they will consider the physical KYC when you submit the physical form.

During my KYC also, the lady asked me how old the photo on my Aadhar was, I said it was the same since my Aadhar was issued, and she said you looked different 🙂.
I was lucky they completed my KYC and got an SMS the very next day. 😎