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

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).🙂🙂
 
So, I applied in July 2024 using online method. KYC authentication wasn't successful with Aadhar (due to apparent Photo mismatch- as I have got couple of CC online after that). They asked for any other Gov ID- I showed, still rejected for 'VKYC fail' when contacted using email to ask for update regarding application.

Email also recommended to apply through branch (which suggests they have no cooldown time).

6 months later and system still says 'Application Exists' in Online portal.

1. Any recommendations?
2. What are documents required for offline application?
3. Which company is their courier partner?
How can you come to know the photo mismatch..

If such is the case then ask for vkyc link again by mentioning the old referance and shoot a mail to Creditcardho@pnb.co.in
 
So, I applied in July 2024 using online method. KYC authentication wasn't successful with Aadhar (due to apparent Photo mismatch- as I have got couple of CC online after that). They asked for any other Gov ID- I showed, still rejected for 'VKYC fail' when contacted using email to ask for update regarding application.

Email also recommended to apply through branch (which suggests they have no cooldown time).

6 months later and system still says 'Application Exists' in Online portal.

1. Any recommendations?
2. What are documents required for offline application?
3. Which company is their courier partner?
Application Exists in their system because they have not given any decision on your application.Your application is still pending in their system..Better ask for vkyc link again and try to do vkyc with different phone then earlier one as some devices struggles to focus on objects during network video call.
 
How can you come to know the photo mismatch..
The person that was doing KYC said so. That aadhar pic is old was their reason (it is). But I don't look another person, just older.

That is why they asked another updated id- which I had shown in KYC itself- rummaging through contents live to find another ID.

If such is the case then ask for vkyc link again by mentioning the old referance and shoot a mail to Creditcardho@pnb.co.in
Will do so.
 
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