PNB Credit cards experience | Application process and time

[abythomas557]

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

 

[gsgshahsh]

I tried for multiple slots but same thing happened. I tried for the last slot on the last date available as well, same issue

 

[bagarwal]

Thanks buddy got revert from them but they are too slow in follow-ups.

 

[RupayMan]

My application number credited 2 days back, but PNB genie app is not tracking the application, how many days it will take to update in an average?

 

[bagarwal]

My application number credited 2 days back, but PNB genie app is not tracking the application, how many days it will take to update in an average?

If you complete the video KYC then it will show in app immediately after that.

 

[RupayMan]

If you complete the video KYC then it will show in app immediately after that.

Applied in offline via Bank, now is trackable, bank sent reference number, called CC and got application number. It surpassed VKYC stage

 

[rutuls536]

applied for Rupay select variant. yesterday received a message that your card has been approved. in genie app it shows Rupay platinum variant. what should i do now?

 

[RupayMan]

applied for Rupay select variant. yesterday received a message that your card has been approved. in genie app it shows Rupay platinum variant. what should i do now?

What's your ITR last year?

 

[rutuls536]

What's your ITR last year?

6.55L

 

[RupayMan]

6.55L

It could be less according to them, no issues once you get platinum and ask for upgrade to select. They will do

 

[Akash Topder]

I have a weird question. I know PNB Rupay select is better than platinum but in select 2 rp for 150 rupees and in platinum 1 rp for 100 rupees. 1 rp = 0.5 here so select has 0.67% and platinum has 0.5% valueback but as these cards will most likely be used for UPI and in UPI smaller transactions are a lot. For a transaction of 100 rupees UPI, you'll be receiving 1 rp for platinum but 0 rp for select as select needs atleast a transaction of 150 rupees to give 2 rp. We'll be making a lot of transactions which will fall between 100 to 149 rupees. So is PNB Rupay platinum better than PNB rupay select for UPI usage?

 

[RupayMan]

I have a weird question. I know PNB Rupay select is better than platinum but in select 2 rp for 150 rupees and in platinum 1 rp for 100 rupees. 1 rp = 0.5 here so select has 0.67% and platinum has 0.5% valueback but as these cards will most likely be used for UPI and in UPI smaller transactions are a lot. For a transaction of 100 rupees UPI, you'll be receiving 1 rp for platinum but 0 rp for select as select needs atleast a transaction of 150 rupees to give 2 rp. We'll be making a lot of transactions which will fall between 100 to 149 rupees. So is PNB Rupay platinum better than PNB rupay select for UPI usage?

Who use PNB for rewards here it's mainly for the health voucher in select variant, and platinum have no joining fee.. also UPI is one other perks.. for rewards, go with tata neu.. PNB is not great for that

 

[Akash Topder]

Who use PNB for rewards here it's mainly for the health voucher in select variant, and platinum have no joining fee.. also UPI is one other perks.. for rewards, go with tata neu.. PNB is not great for that

Neu is not LTF for me. PNB will be. Not really into non LTF staff.

 

[RupayMan]

Neu is not LTF for me. PNB will be. Not really into non LTF staff.

If you need LTF then compromise on rewards.. Try neu, I got LTF offer recently and applied today. Just start the application and leave in mid way, do some bbnow transactions for few 100rs daily for 3 or 4 days.. LTF will come, after 31st March it's really tough, start today

 

[Akash Topder]

If you need LTF then compromise on rewards.. Try neu, I got LTF offer recently and applied today. Just start the application and leave in mid way, do some bbnow transactions for few 100rs daily for 3 or 4 days.. LTF will come, after 31st March it's really tough, start today

The problem is everytime I put the PAN and proceed, a new enquiry hits.

 

[AsB]

PNB Credit card approved WITHOUT ITR or Form 16- by escalation to RBI

PNB Application process for me goes like this :- 6 March 2023 - Applied for PNB card using 3 months payslip and 6 months bank statement, even though I didnt have ITR or Form 16. 7 March 2023 - Tried to complete VKYC, but no agent was connecting. 8 March 2023 - Still no agent till 4.40 PM...

www.technofino.in

Here is mine

 

[ltf4ever]

If you need LTF then compromise on rewards.. Try neu, I got LTF offer recently and applied today. Just start the application and leave in mid way, do some bbnow transactions for few 100rs daily for 3 or 4 days.. LTF will come, after 31st March it's really tough, start today

bbnow from the neu app, right?

 

[RupayMan]

bbnow from the neu app, right?

Yes

 

[bagarwal]

The problem is everytime I put the PAN and proceed, a new enquiry hits.

It shouldn't be. Same company can't do the checks in same week span

 

[Akash Topder]

It shouldn't be. Same company can't do the checks in same week span

I see. Anyway the trick you mentioned is this a sure shot trick? Because as I already given PAN and clicked proceed the application is already started.

 

[nadeem]

Applied in offline via Bank, now is trackable, bank sent reference number, called CC and got application number. It surpassed VKYC stage

what documents do they ask you in bank?