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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).🙂🙂
 
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I just want to add here, please when you apply and complete video KYC, just take the screenshot after ending the call with executive as they asked me ss as a proof of VIDEO KYC........ also PNB people are checking signature on your pan card and matching with the details given so deal accordingly
 
Today is Wednesday night. Still no update. I will wait till tomorrow afternoon and then drop an email to them.

vKYC completed. Received the SMS just now.

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Congrats buddy ... party ho jaye
Well, its not that easy for everyone.
As per my observation, we can consider 4 stages of PNB CC application
1) some people face issues with application link not opening or next step not appearing or clicking submit button not showing application id.
2) After submission of application, good number of people faced vkyc not happening issue due to weekend, agent not available or some technical issue.
3) after vkyc, I will say income documentation is most important stage where many people face issues due to no ITR available or <5L ITR for Rupay Select CC or customer care not accepting sent income documents.
4) after that also, Few people faced card not getting approved issue or delivery of card not happening after income documentation has completed.
 
Well, its not that easy for everyone.
As per my observation, we can consider 4 stages of PNB CC application
1) some people face issues with application link not opening or next step not appearing or clicking submit button not showing application id.
2) After submission of application, good number of people faced vkyc not happening issue due to weekend, agent not available or some technical issue.
3) after vkyc, I will say income documentation is most important stage where many people face issues due to no ITR available or <5L ITR for Rupay Select CC or customer care not accepting sent income documents.
4) after that also, Few people faced card not getting approved issue or delivery of card not happening after income documentation has completed.
Hmmm... chalo thik hai .... party me Gulab Jamun mat khilaana ...... but tab bhi party toh banti hai 😉
 
PNB is asking me ITR 23 - 24 for processing whereas I have given all my salary slips and bank statement beforehand
 
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PNB is asking me ITR 23 - 24 for processing whereas I have given all my salary slips and bank statement beforehand
How can you have ITR for FY 23-24, that year is still on going... 🤔

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Ahh, they might be asking AY 23-24. That means last year's ITR. Yes, they ask that.
 
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