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

RkrRkr is verified member.

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TF Family
Sr 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" or creditcardpnb@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).🙂🙂
 
Checked today both are correct .And at my time i have sent the documents on
creditcardpnb2@pnb.co.in see screenshot below.

View attachment 79269
Yesterday after Vkyc, status was Vkyc approval pending then after 1 hr shows Vkyc approved and today in morning sms came application lying discrepant, don't know why, visited nearby branch they told call cc, called them, cc guy told to send documents to creditcardpnb2@pnb.co.in
So that's confirmed by me too,
And now status in pnb app shows ekyc pending click here and when clicked it shows Vkyc done successful.... 😁 😁 😁
 

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Yesterday after Vkyc, status was Vkyc approval pending then after 1 hr shows Vkyc approved and today in morning sms came application lying discrepant, don't know why, visited nearby branch they told call cc, called them, cc guy told to send documents to creditcardpnb2@pnb.co.in
So that's confirmed by me too,
And now status in pnb app shows ekyc pending click here and when clicked it shows Vkyc done successful.... 😁 😁 😁
Wait for few days if you have sent the documents.
 
Hello TFcians
I need your help and guidance. I'm also planning to apply for a PNB credit card, but my previous application was rejected in July 2024. The reason for the rejection was a write-off of ₹1,000 on my CIBIL report due to an overdue postpaid bill, which I was unaware of. I've since contacted the bank and had the write-off removed, and my CIBIL report is now clear.

I'd appreciate your feedback on my chances of approval based on my current CIBIL report. Here are the details:

- CIBIL score: 735
- Utilization: 21%
- Enquiries: 11 in the past year (4 in July, 4 in August, 1 on September 3, 1 on November 25, and 1 on December 5)

I currently hold the following credit cards:

- ICICI Coral, Shapphiro, and Apay card (limit ₹2,50,000)
- HDFC Millennia and TATA Neu card (limit ₹1,10,000)
- SBI ELITE card (limit ₹86,000)
- Axis Flipkart and Indinoil card (limit ₹40,000)

I'm a self-employed individual with an annual income of ₹7 lakhs, and I have a valid ITR. Please share your thoughts on my chances of approval for a PNB credit card.
 
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Hello TFcians
I need your help and guidance. I'm also planning to apply for a PNB credit card, but my previous application was rejected in July 2024. The reason for the rejection was a write-off of ₹1,000 on my CIBIL report due to an overdue postpaid bill, which I was unaware of. I've since contacted the bank and had the write-off removed, and my CIBIL report is now clear.

I'd appreciate your feedback on my chances of approval based on my current CIBIL report. Here are the details:

- CIBIL score: 735
- Utilization: 21%
- Enquiries: 11 in the past year (4 in July, 4 in August, 1 on September 3, 1 on November 25, and 1 on December 5)

I currently hold the following credit cards:

- ICICI Coral, Shapphiro, and Apay card (limit ₹2,50,000)
- HDFC Millennia and TATA Neu card (limit ₹1,10,000)
- SBI ELITE card (limit ₹86,000)
- Axis Flipkart and Indinoil card (limit ₹40,000)

I'm a self-employed individual with an annual income of ₹7 lakhs, and I have a valid ITR. Please share your thoughts on my chances of approval for a PNB credit card.
If last 2 year ITR is there with you and CIBIL is above 750 .Approval Chances are very high repeating very high.
 
Cibil 773
Last 2 yrs ITR, Computation of Income all submitted, hdfc limit 79k axis 80k 1crd 20k and then also lying discrepant,
@Rkr bro did you know some1 on this forum who is master of sbicard related problems? I m fed up with sbi every time giving error F57 pan mismatch and rejecting my application after last final verification call, applied 3 4 times in last 2 yrs every time same problem
 
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Cibil 773
Last 2 yrs ITR, Computation of Income all submitted, hdfc limit 79k axis 80k 1crd 20k and then also lying discrepant,
If you have sent the documents after getting VKYC approval message ...

Just ask them the staus of your application.

It's PNB general rule that they send lying discrepant message to everyone after vkyc approval though everyone has uploaded the documents during application stage.Thats why I have suggested that after vkyc approval message send the documents again and one the same mail Ask for acknowledgement of the same.
 
@Rkr bro did you know some1 on this forum who is master of sbicard related problems? I m fed up with sbi every time giving error F57 pan mismatch and rejecting my application after last final verification call, applied 3 4 times in last 2 yrs every time same problem
Are your name single in PAN ....like no title only first...Are you fall in this case?

Are you checking your credit history/cibil score regularly ?

Kindly elaborate your issue in detail ?
 
If you have sent the documents after getting VKYC approval message ...

Just ask them the staus of your application.

It's PNB general rule that they send lying discrepant message to everyone after vkyc approval though everyone has uploaded the documents during application stage.Thats why I have suggested that after vkyc approval message send the documents again and one the same mail Ask for acknowledgement of the same.
Documents and all sent but not received acknowledgement of same
 
Are your name single in PAN ....like no title only first...Are you fall in this case?

Are you checking your credit history/cibil score regularly ?

Kindly elaborate your issue in detail ?
Pan card name
Pathan Mohammad Rasulmian Mohammad Yusuf
And yes I check my CIBIL every 10days via paisa bazar nd one score and gpay

May be this is becoz name is long nd sbi don't allow long names, but adhar nd pan have exactly same names
 

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one time i tried to apply pnb cc but didn’t completed application process so now i am unable to apply saying resume application and after that again redirected on main page any solution?
 
Is your cykc and PAN name exact?
Printed on pan Has surname 1st
Pathan Mohammad Rasulmian Mohammad Yusuf
But in there system it's
Mohammad Rasulmian Mohammad Yusuf Pathan
I have checked and confirmed and ITR acknowledgement receipt also shows the same
Mohammad Rasulmian Mohammad Yusuf Pathan
If they consider printed on pan with ckyc then it's same, if what's in there system then ckyc has surname 1st and pan has surname last
 
Printed on pan Has surname 1st
Pathan Mohammad Rasulmian Mohammad Yusuf
But in there system it's
Mohammad Rasulmian Mohammad Yusuf Pathan
I have checked and confirmed and ITR acknowledgement receipt also shows the same
Mohammad Rasulmian Mohammad Yusuf Pathan
If they consider printed on pan with ckyc then it's same, if what's in there system then ckyc has surname 1st and pan has surname last
These things are creating issues…Try to reprint the pan as exactly same as your education documents/bank account /adhar….Might be your problem get rectified.
 
These things are creating issues…Try to reprint the pan as exactly same as your education documents/bank account /adhar….Might be your problem get rectified
All was same in first place but was getting rejected then contacted at sbi, BM at sbi told me to update adhar card name with surname last, now I updated it and then also it's not going well, ryt now emailed CustomerServiceHead@sbicard.com about it, let's see what will they do...
 
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