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

Rkr

TF Legend
TF Family
Contributor
Moderator
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).🙂🙂
 
Last edited:

sarainfo12

TF Premier
Got approved message ,
But unfortunately in pnb genie app it's showing rupay platinum 😭 instead of rupay select and limit also 45k.
I don't know how long i have to wait for upgrade the card in future .
How long I need to wait for convert rupay platinum to rupay select ? Pnb genie app showing the option to convert .
 
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Rkr

TF Legend
TF Family
Contributor
Moderator
Got approved message ,
But unfortunately in pnb genie app it's showing rupay platinum 😭 instead of rupay select and limit also 45k.
I don't know how long i have to wait for upgrade the card in future .
You can upgrade as soon as you received your physical card.Login and place request for upgrade to select card.
 

sarainfo12

TF Premier
when did you apply ?
Time line:

16th August applied online, 1st cibil hit

29th completed vkyc same day night sent docs related to ITR.

30th received discrepant message, received email also later on same day

1st September got another email saying that my form16 contains only data from dec 2022 , send complete form 16. But i replied them that's all I have and additionally i sent all the payslip from dec 2022 to August 2023. Because i started work on proper company from that time onwards, so never got form 16 or filed ITR before .

5th September got acknowledgement email.

7th September 2nd cibil hit happened

13th September received approved message.
 

sarainfo12

TF Premier
Looks like i have to send ITR again . I don't think they will approve select card because as per my ITR, i filed last 4 months salary of previous financial year. So it's very less.

They probably approved platinum due to that only i guess .
 

Rkr

TF Legend
TF Family
Contributor
Moderator
Looks like i have to send ITR again . I don't think they will approve select card because as per my ITR, i filed last 4 months salary of previous financial year. So it's very less.

They probably approved platinum due to that only i guess .
Send the same ITR if its above 5 lacs..you will get the card easily..
If its below 5 then there will be a issue.
 

sarainfo12

TF Premier
Send them anyway.
Is the ITR is of currrent ITR year ?
Requested from pnb genie app .
Got following message
Dear Credit Cardholder, Request for Card Conversion registered. Share self-attested copy of Latest ITR/Salary Slip on creditcardpnb@pnb.co.in along with SR # GXXXXXXXX.-PNB

i will send email tomorrow after adding signature in docs . Will send payslip too .
 
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Rkr

TF Legend
TF Family
Contributor
Moderator
Requested from pnb genie app .
Got following message
Dear Credit Cardholder, Request for Card Conversion registered. Share self-attested copy of Latest ITR/Salary Slip on creditcardpnb@pnb.co.in along with SR # GXXXXXXXX.-PNB

i will send email tomorrow after adding signature in docs . Will send payslip too .
Send the previous ITR again.
 
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