PNB Credit cards experience | Application process and time

[abythomas557]

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

 

[arthurmorgan]

When You Applied ?

November 18th 2022

 

[gsgshahsh]

it's been 20 days since I did my vkyc, and pnb representative still says your vkyc is pending for approval from auditor side. Does this process takes months?

 

[anirbanm]

Applied for Rupay Select on 3rd Dec, approved for Rupay platinum on 13th.

Received card after around a month from approval, due to extremely poor service by DTDC. Applied for conversion to Rupay Select, card generated right after.

I had entered details of existing card, with 75000 limit, got same limit on card received. Submitted KYC documents, income documents of past 2 years. As I applied offline, no trouble of VKYC etc. Nothing of that sort was required.

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

 

[Deleted member 7241]

it's been 20 days since I did my vkyc, and pnb representative still says your vkyc is pending for approval from auditor side. Does this process takes months?

Yes

 

[gsgshahsh]

Yes

Got a message today that KYC has been approved. What's next? How much long is it going to be now?

 

[rp0703]

Got a message today that KYC has been approved. What's next? How much long is it going to be now?

Same, I received same message 2 days ago, but no update after that.

 

[arthurmorgan]

it's been 20 days since I did my vkyc, and pnb representative still says your vkyc is pending for approval from auditor side. Does this process takes months?

Yes it does. I got the auditor approval after 2 months

 

[gsgshahsh]

Yes it does. I got the auditor approval after 2 months

and how long it took after then?

 

[Abhishek012]

Hope you guys also use every month 10% upto Rs100 cashback using RuPay credit card linked BHIM UPI payment offer -

Another offer Shoppers Stop - RuPay Credit card linked BHIM UPI - Flat ₹1,000 Cashback on Rs5000 purchase.

This month Cashback proof -

 

[gsgshahsh]

Hope you guys also use every month 10% upto Rs100 cashback using RuPay credit card linked BHIM UPI payment offer -

Another offer Shoppers Stop - RuPay Credit card linked BHIM UPI - Flat ₹1,000 Cashback on Rs5000 purchase.

This month Cashback proof -


View attachment 9556

when will this offer end?

 

[Abhishek012]

when will this offer end?

10% upto Rs100 cashback, offer valid till March, 2023 (if not extended).

 

[Harry1]

10% upto Rs100 cashback, offer valid till March, 2023 (if not extended).

Does this offer work for credit card payments too?

 

[Abhishek012]

Does this offer work for credit card payments too?

Yes, no specific merchant name mentioned. you can spend anywhere.

 

[arthurmorgan]

and how long it took after then?

I didn't get the card yet. I'm still waiting

 

[xiddy]

Does PNB send notifications for statements? I just found out in the app that my statement was generated on the 20th, but so far i have received no notification for it.

 

[Ghost655]

Guys i read the above horror stories to get this card, just wondering for salaried do they still requires ITR returns still. i know this has been asked before any anyway to do this only salary slip , i know c2c will not work.

 

[gsgshahsh]

Guys i read the above horror stories to get this card, just wondering for salaried do they still requires ITR returns still. i know this has been asked before any anyway to do this only salary slip , i know c2c will not work.

Yes, they asked me for ITR even though I am salaried and had shared 3 months salary slip at the time of applying. but, what's the issue with your ITR?

 

[Ghost655]

Yes, they asked me for ITR even though I am salaried and had shared 3 months salary slip at the time of applying. but, what's the issue with your ITR?

Well I haven't filed a return yet, will it be still available on ITR site.

 

[rp0703]

Well I haven't filed a return yet, will it be still available on ITR site.

Ask them by calling or mail that you only have salary slip. They might entertain your request.

 

[gsgshahsh]

Idiots, have been sending same message over and over again despite of sending all the requested documents already. "Your credit card application is lying discrepant". Can't even call their stupid phone number as it always says "busy". It is been a month, with this level of diligence, it could easily take an eternity, sighs...