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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 think you shouldn't use mobikwik for PNB payments. Search the forum. There is a thread detailing how pnb payments don't get credited on time via 3rd party payments.
I have never faced any issues with mobikwik, cheq or paytm. Have paid a lot to pnb cc. Sometimes it takes time but gets credited
 
Guys, I got a mg saying theres some issue with my application and I sent an email with all the documents, pay slips , ITR, Kyc documents. No update yet since two days from PNB. like i did not receive an automatic email that they received my email and all .
 
I sent docs to pnb last night 9pm , but got discrepant message today .
Contacted customer care they asked to send ITR , then I said already sent last night itself , he said then ok you will get update in 2 days .

Do i need to send docs again , or one time is enough ?
Haven't received the acknowledgement mail yet.
 
sen
I sent docs to pnb last night 9pm , but got discrepant message today .
Contacted customer care they asked to send ITR , then I said already sent last night itself , he said then ok you will get update in 2 days .

Do i need to send docs again , or one time is enough ?
Haven't received the acknowledgement mail yet.
sending 1 time is enough!!! You will receive acknowledgement in 2 to 4 working days!!!!
 
No worries... PNB select is easy to get now-a-days
I don't think so for my case, reasons are:
1. I filed ITR first time this year only and salary details contains from dec 2022 only. So i sent only this year ITR.

2. My education loan showing written off status in cibil which is closed 7 years ago.
 
This year only i filed ITR first time . And also it contains salary from dec 2022 only .
I already have
Icici coral credit Card ( from may 2023)
Icici coral rupay credit card ( from june 2023)
Icici Amazon pay credit card ( few days before only i got ) - not updated in cibil
Icici platinum secured credit card (from Feb 2023)
Hdfc millennia credit card (from july 2023, secured in cibil it mentioned normal only )
Indusind eazydiner credit card ( from june 2023, secured but in cibil it mentioned normal only )
Idfc millennia credit card (from August 2023)
Amazon paylater account closed
Education loan with written off status ( i paid loan to reliance ARC, but status not updated , happened on 2016. For 1.6L loan i paid 2.2L with interest)

Above are my cibil contains with cibil score of 777.
@chenrichy i am having those credit cards too .
 
Got email from PNB that they need 6 months bank statement. I am not salaried person, what to do now? Should i send savings account statement or business statement of current account?
 
Thanks @Rkr

My Timeline :
4th August : Applied and Completed VKYC
19th August : VKYC Completed Message and sent Docs as per @Rkr Advice
21st August : Received In principle approved message
24th August : Acknowledge Email received and 2nd Cibil enquiry happened
31st August : Approved Message received showing card in app
2nd September : Dispatch message received (DTDC )
4th September: Card delivered
My card dispatched from Chennai Tambaram and my town also Chennai so received quickly.


In meantime Frequent follow up and 2 Cibil enquiry happened.
I have never received their traditional lying discrepancy Mail or message. Thanks to all members in this thread and @Rkr.
 
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Thanks @Rkr

My Timeline :
4th August : Applied and Completed VKYC
19th August : VKYC Completed Message and sent Docs as per @Rkr Advice
21st August : Received In principle approved message
24th August : Acknowledge Email received and 2nd Cibil enquiry happened
31st August : Approved Message received showing card in app

In meantime Frequent follow up and 2 Cibil enquiry happened
Ask them to remove additional credit enquiry from CIBIL report
 
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