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

RkrRkr is verified member.

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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:
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).🙂🙂
can anyone give referral link to apply ?
 
while applying for card it is not allowing me to move further. Below fields gets auto populated when I land on this page but after filling other details and clicking "save & next" it is getting removed and saying required fields are not filled. This fields are non editable. anyone face this issue ?
 

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while applying for card it is not allowing me to move further. Below fields gets auto populated when I land on this page but after filling other details and clicking "save & next" it is getting removed and saying required fields are not filled. This fields are non editable. anyone face this issue ?
Using mobile or laptop.
 
Earlier option is there but it doesnot redirects to ITR portal.if allowing then do , else mannual upload and later on sending on mail need to be done.
even if i give correct credential , it fails to login
 
  • Hehe
Reactions: Rkr
I applied through their platform. Did Adhaar DigiLocker Authentication. ITR Login not working, but on the website only able to upload the documents. CIBIL Check done. The only thing I forgot that today was Sunday so couldn't proceed with vKYC. Will do that tomorrow. Will update on that.

Oh, also weirdly they asked for Credit Card number for existing card. (Maybe to card match), but not just BIN. They asked for the WHOLE Card number which felt weird. So, I gave the Card Number of my ICICI Rubyx CC which is expired.
 

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Reactions: Rkr
I applied through their platform. Did Adhaar DigiLocker Authentication. ITR Login not working, but on the website only able to upload the documents. CIBIL Check done. The only thing I forgot that today was Sunday so couldn't proceed with vKYC. Will do that tomorrow. Will update on that.

Oh, also weirdly they asked for Credit Card number for existing card. (Maybe to card match), but not just BIN. They asked for the WHOLE Card number which felt weird. So, I gave the Card Number of my ICICI Rubyx CC which is expired.
Acceptable.Now complete the vkyc next day and wait for vkyc approval message.
There after do as i have said in above post.
 
I applied through their platform. Did Adhaar DigiLocker Authentication. ITR Login not working, but on the website only able to upload the documents. CIBIL Check done. The only thing I forgot that today was Sunday so couldn't proceed with vKYC. Will do that tomorrow. Will update on that.

Oh, also weirdly they asked for Credit Card number for existing card. (Maybe to card match), but not just BIN. They asked for the WHOLE Card number which felt weird. So, I gave the Card Number of my ICICI Rubyx CC which is expired.
Don't get surprised if you get 1/3 limit of provisional limit shown
 
I applied through their platform. Did Adhaar DigiLocker Authentication. ITR Login not working, but on the website only able to upload the documents. CIBIL Check done. The only thing I forgot that today was Sunday so couldn't proceed with vKYC. Will do that tomorrow. Will update on that.

Oh, also weirdly they asked for Credit Card number for existing card. (Maybe to card match), but not just BIN. They asked for the WHOLE Card number which felt weird. So, I gave the Card Number of my ICICI Rubyx CC which is expired.
Now when I open that screen to proceed with Video KYC. They reduce the Provisional Credit Limit to 3,67,666.66. What's their obsession with 6 god only knows.
See the calculations of PNB. They can calculate down the Paisa level how much money they should lend to you.
 

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