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

[RkrRkr is verified member.]

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).🙂🙂

 

[RAMESH BABU N]

This PNB Select RuPay card is good, no doubt. Almost LTF, if you use it at least once every calendar quarter.

THE BIGGEST HEADACHE IS PNB's ACCOUNTING BLUNDER.

Despite meeting the waiver criterion, they CHARGE.

AND, expect you to write to them, literally begging for waiver. Their call centre support is next to nothing. Expect you to speak to them in Punjabi or Hindi. Painful n avoidable experience.

So, I CLOSED MY CARD.

Despite being a X-PNB staff member.

 

[RkrRkr is verified member.]

@Rkr can we have this thread be deleted? I see it provide no useful information but gives opportunity to other members to ask this card related questions here which could have been done in it's own useful thread.

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

Apr 8, 2023

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...

• Rkr
• card credit card pnb pnb credit card rupay rupay select select
• Replies: 883
• Forum: PNB Card

• 
• 

I have merged it with existing one.

 

[e-va]

Just wanted to share my experience in case it helps someone else.

I applied for a Rupay select credit card with PNB in early August. VKYC was completed the next day and I received as SMS stating VKYC has been completed, and that I should download the PNB Genie app to track the status. However, the app never worked - so I couldn’t track the status at all.

Tried following up via multiple emails over several weeks. Got zero clarity. Eventually after escalating the matter, I was told by HO (after 2+ weeks) that my application was "VKYC Rejected", without any reason. When I kept pushing for an explanation, they finally said there was a "father’s name mismatch" - which wasn’t true. Once again, I submitted Aadhaar copy, and pointed out that my fathers name matched in the application form.

So even after clearly pointing out the correct details, PNB just kept repeating the same rejection line and gave no resolution. No one took ownership, no one helped.

After 40+ days of back-and-forth, I finally gave up and filed a complaint with the RBI ombudsman today.

RBIO complaint was raised on 10 SEP at 7pm.

Next day (11 SEP), I received an email response from PNB mentioning the same reason shared previously

Application has been Checker Rejected-VKYC-REJECTED

This morning (12 SEP), once again received a email response from PNB with the exact same reason -

We would like to inform you that your VKYC has been rejected.

Kindly contact our nearest branch along with original documents submit the form physically Apply.

The replies suggest that CC team simply refuses to apply any thought or effort to process a legitimate application.

Anyway, it looks like this is going to be an uphill battle with PNB. Will wait for a response on RBIO complaint and then decide how to proceed further.

 

[Ram1]

Have few doubts before applying pnb cc
1. Application has to be processed by branch at any stage if applied online?
2. What docs needed from itr if self employed?
3. Any physical verification?