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Features of the PNB Mastercard Classic Credit Card

  • Overview of Card Features: The PNB Mastercard Classic Credit Card is designed to cater to a wide range of financial needs, offering a blend of convenience, flexibility, and rewards for everyday transactions. Issued by Punjab National Bank, this card is ideal for individuals seeking a reliable credit card with straightforward features. Below, we explore the key features that make this card a versatile choice for modern cardholders.
  • Global Acceptance: The PNB Mastercard Classic Credit Card is accepted at millions of merchant outlets and ATMs worldwide, thanks to its association with the Mastercard network. Whether you're shopping at a local store in India, dining at an international restaurant, or withdrawing cash abroad, this card ensures seamless transactions. Its global reach makes it a dependable companion for both domestic and international use, providing cardholders with the freedom to transact anywhere Mastercard is accepted.
  • Reward Points Program: One of the standout features of the PNB Mastercard Classic Credit Card is its rewards program. Cardholders earn 1 reward point for every ₹100 spent on retail transactions, excluding fuel purchases. These points can be accumulated and redeemed for exciting offers, such as gift vouchers, merchandise, or travel benefits, through PNB’s rewards catalog. This feature encourages cardholders to maximize their spending while enjoying tangible rewards.
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    • Flexible Redemption Options: The reward points earned on the PNB Mastercard Classic Credit Card can be redeemed flexibly. For instance, cardholders can convert points into air miles for select airline partners or choose from a curated selection of products and services. A minimum of 500 reward points is required for redemption, ensuring accessibility for regular users.
    • Contactless Payments: The PNB Mastercard Classic Credit Card supports contactless payments, allowing users to make quick and secure transactions by simply tapping the card at NFC-enabled POS terminals. For transactions up to ₹5000, no PIN is required, enhancing convenience for small, everyday purchases like groceries or coffee. This feature aligns with modern payment trends, offering speed and efficiency.
    • Add-On Cards for Family: Cardholders can extend the benefits of the PNB Mastercard Classic Credit Card to their family members by requesting up to two add-on cards. These cards are available for spouses, parents, or children above 18 years of age, sharing the primary cardholder’s credit limit. Add-on cards come with the same features, including reward points and global acceptance, making it easier to manage family expenses.
    • Utility Bill Payment Facility: The PNB Mastercard Classic Credit Card simplifies bill payments by allowing cardholders to pay utility bills, such as electricity, mobile, telephone, and gas bills, directly through the card. This feature eliminates the need for multiple payment platforms, streamlining financial management and ensuring timely payments to avoid penalties.
    • Interest-Free Credit Period: The card offers an interest-free credit period of 20 to 50 days, depending on the transaction date and billing cycle. This allows cardholders to make purchases without incurring interest, provided the outstanding balance is paid in full by the due date. This feature is particularly beneficial for managing cash flow and avoiding additional costs.
    • EMI Conversion Facility: For high-value purchases, the PNB Mastercard Classic Credit Card offers an EMI conversion facility. Cardholders can convert transactions into affordable monthly installments within 10 days of purchase, making it easier to manage expenses like electronics or travel bookings. The EMI tenure and interest rates vary, but this feature provides flexibility for significant expenditures.
    • Balance Transfer Option: Another financial management tool is the balance transfer option, allowing cardholders to transfer outstanding balances from other credit cards to the PNB Mastercard Classic Credit Card at a lower interest rate. This can help consolidate debt and reduce interest costs, making it a practical feature for those juggling multiple cards.
    • Enhanced Security Features: Security is a priority with the PNB Mastercard Classic Credit Card. The card includes an EMV chip for secure transactions and supports two-factor authentication for online purchases. Additionally, cardholders can opt for a photo card, which imprints their image on the card for easy recognition and added security at merchant outlets.
    • 24/7 Customer Support: The PNB Mastercard Classic Credit Card comes with round-the-clock customer support through PNB’s toll-free helpline (1800 180 2345). Cardholders can seek assistance for queries related to credit limits, recent transactions, reward point redemption, or reporting a lost card, ensuring peace of mind at all times.
    • Surcharge Waivers: The card offers a fuel surcharge waiver for transactions between ₹400 and ₹3000 at fuel stations across India, subject to a maximum waiver limit per billing cycle. Additionally, cardholders can enjoy a 2.5% surcharge waiver on railway ticket purchases at counters and a 1.8% waiver on IRCTC online bookings, making travel more cost-effective.
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Benefits of the PNB Mastercard Classic Credit Card

  • Cost-Effective Shopping and Dining:
    • Cardholders enjoy exclusive discounts at select merchant partners.
    • Example offers include 10% to 25% off on food and beverages at Sarovar Hotels.
    • 10% off on MRP at Kairali Ayurvedic Group outlets adds wellness savings.
    • These offers make everyday expenses more affordable for dining and wellness.
  • Seasonal Merchant Offers:
    • PNB frequently partners with leading brands to provide seasonal discounts.
    • Cardholders may receive 20% off on ZEE5 subscriptions or cashback on select retail purchases.
    • These promotions are regularly updated, keeping the offers fresh and valuable throughout the year.
    • Travel Perks and Savings: Travel enthusiasts will appreciate the surcharge waivers on railway ticket purchases, making domestic travel more affordable. The card’s global acceptance ensures hassle-free payments abroad.
    • Financial Flexibility: The card offers a 20- to 50-day interest-free credit period. By paying the full balance within this period, cardholders can avoid interest charges, effectively using the card as a short-term loan.
    • Debt Consolidation Advantage: The balance transfer facility allows cardholders to transfer high-interest balances from other credit cards to this card, helping save on interest costs and simplifying repayment.
    • Enhanced Security and Fraud Protection: Features like the EMV chip and photo card option reduce fraud risk. If the card is lost or stolen, cardholders can report it 24/7 to limit liability on unauthorized transactions.
    • Reward Points for Everyday Spending: Earn 1 reward point for every ₹100 spent. Points can be redeemed for gift vouchers, travel benefits, and more. The program is accessible to users with moderate spending habits.
    • Family-Friendly Benefits: Add-on cards allow family members to share the card’s rewards and discounts, simplifying household expense management.
    • Convenience in Bill Payments: Cardholders can set up automatic payments for utility bills to avoid late fees. Integration with Visa Bill Pay offers a centralized platform for managing multiple bills.
    • Cashback and Rebate Offers: Additional cashback is offered on select categories like utility payments and dining. For example, registering for e-bill earns 50 reward points, and fuel surcharge waivers help save on daily expenses.
    • Accessibility for New Users: With a minimum income of ₹2.5 lakh per annum and basic documentation, it suits young professionals and salaried individuals building credit history.
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How to Apply for the PNB Mastercard Classic Credit Card

  • Choose Your Preferred Application Method:
    • Apply online through the official Punjab National Bank website or PNB Genie mobile app.
    • Visit the nearest PNB branch to apply in person.
    • Use the SMS-based application option by sending a request from your registered mobile number.
  • Online Application Process:
    • Visit the PNB website (www.pnbindia.in) or the dedicated PNB Credit Card portal.
    • Navigate to the “Credit Cards” section and select the PNB Mastercard Classic Credit Card.
    • Click on “Apply Now” and complete the application form with personal, financial, and KYC details.
    • Upload scanned copies of required documents: identity, address, and income proof in acceptable formats (PDF, JPEG).
    • Review the details carefully and submit the application.
    • Note the application reference number for tracking purposes.
  • Application via PNB Genie Mobile App:
    • Download the PNB Genie app from Google Play Store or Apple App Store.
    • Log in or register using your PNB account credentials.
    • Access the “Credit Cards” section and select “Apply for Credit Card.”
    • Choose the PNB Mastercard Classic Credit Card and fill out the application form.
    • Upload required documents digitally and submit.
  • Offline Application Process:
    • Visit the nearest Punjab National Bank branch with original and self-attested copies of required documents.
    • Request the PNB Mastercard Classic Credit Card application form from the branch representative.
    • Fill out the form with accurate information and submit it along with the documents.
    • Obtain an acknowledgement receipt for your application submission.
  • SMS-Based Application:
    • Send an SMS to 5607040 from your registered mobile number with the format: CREDITCARD <16-digit PNB account number>.
    • PNB will contact you to complete the application and guide you through document submission.
  • Application Processing and Tracking:
    • Applications are typically processed within 7 to 14 working days.
    • You can track your application status online using the reference number.
    • Customer care support is available at 8885545255 for real-time updates.
    • Approval may require additional verification or document submission.
  • Receive and Activate Your Credit Card:
    • Once approved, the card will be dispatched to your registered address within 7 to 10 working days.
    • Alternatively, activate through the PNB Genie app or by calling customer care.
  • Tips for a Successful Application:
    • Ensure all information is accurate and documents are valid and clearly scanned.
    • Maintain a good credit score to improve approval chances.
    • Check eligibility criteria carefully before applying.
    • Keep track of your application using the provided reference number.

Eligibility Criteria for the PNB Mastercard Classic Credit Card

  • Age Requirements:
    • The primary cardholder must be between 21 and 65 years old to ensure financial independence.
    • Add-on cardholders must be at least 18 years old.
  • Income Stability:
    • Applicants must demonstrate a minimum annual income of ₹2.5 lakhs.
    • This applies to both salaried and self-employed individuals.
  • Nationality and Residency:
    • Applicants must be Indian residents or Non-Resident Indians (NRIs) with valid documentation.
    • NRIs should have verifiable addresses in India for communication and card delivery.
    • Some locations may have restricted services; applicants should verify service availability in their city.
  • Educational Qualification:
    • A minimum educational qualification of passing the 10th standard is required.
  • Banking Relationship:
    • Applicants must maintain a Punjab National Bank savings or current account for at least six months.
    • This allows the bank to assess financial behavior and repayment history.
  • Creditworthiness:
    • Good credit history without defaults or late payments improves approval chances.
    • Applicants new to credit may qualify, especially if applying against a Fixed Deposit (FD).
  • Employment Status:
    • Applicants should be either salaried employees, self-employed professionals, or business owners with a stable income source.
  • Minimum Work Experience:
    • Salaried individuals should have at least 2 years of continuous employment in their current organization or industry.
  • Residential Stability:
    • Applicants should have a stable residential address, preferably residing at the current address for at least 1 year.
  • Valid KYC Documents:
    • Applicants must provide valid and complete KYC documents as per RBI guidelines, including Aadhaar, PAN, and address proof.
  • Active Mobile Number:
    • Applicants must have an active mobile number registered in their name for OTP verification and communication purposes.
  • Active Email ID:
    • Providing a valid email address is necessary for receiving statements, alerts, and important communications.
  • No Existing Loan Defaults:
    • Applicants should not have any outstanding loan defaults or legal cases related to financial liabilities.
  • Debt-to-Income Ratio:
    • The applicant's existing debt obligations should not exceed 40% of their monthly income to ensure repayment capacity.
  • Minimum Age for Supplementary Cardholders:
    • Supplementary/add-on cardholders must be at least 18 years old and have a good financial track record, if applicable.
  • Compliance with Bank Policies:
    • Applicants must agree to and comply with Punjab National Bank’s terms and conditions, including timely repayment and usage policies.
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Documents Required for the PNB Mastercard Classic Credit Card

  • Identity Proof:
    • Applicants must provide valid identity proof to verify personal details.
    • Accepted documents include:
      • Aadhaar Card
      • Voter ID
      • Passport
      • Driving License
      • PAN Card
  • Address Proof:
    • Proof of residence is mandatory to verify current address.
    • Accepted documents include:
      • Aadhaar Card
      • Passport
      • Driving License
      • Utility Bills (electricity, water, or gas; not older than 3 months)
      • Rental Agreement
      • Bank Statement or Passbook (not older than 3 months)
  • Income Proof:
    • Salaried Individuals:
      • Recent salary slips covering the last 3 months
      • Bank statements showing salary credits for at least 6 months
      • Form 16 (income proof may be waived if salary/pension credits exceed ₹20,834 monthly for 6 months)
    • Self-Employed Individuals:
      • Income Tax Return (ITR) documents
  • Application Form:
    • A duly completed application form is required.
    • Available for download from the PNB website or at branches.
  • Passport-Size Photographs:
    • Typically two recent passport-size photographs.
  • Additional Documents for Add-On Cards:
    • Identity proof of the add-on cardholder (e.g., Aadhaar Card or Voter ID).
    • Consent of the primary cardholder for issuance of add-on card.
  • Submission Guidelines:
    • All documents must be self-attested.
    • Documents can be submitted online via the PNB website or at a branch.
    • Incomplete or incorrect documents may delay or cause rejection of the application.

Factors Affecting Eligibility for the PNB Mastercard Classic Credit Card

  • Credit Score and History:
    • A strong credit score, ideally above 720, is important.
    • Punjab National Bank reviews credit history through agencies like CIBIL to assess repayment behavior.
    • Timely payments and low credit utilization improve approval chances, while defaults or high debts may lead to rejection.
  • Income Stability and Level:
    • Minimum annual income requirement is typically ₹2.5 lakhs.
    • Salaried individuals with consistent salary credits or self-employed professionals with verifiable income are preferred.
    • Applicants with irregular income may face challenges unless backed by fixed deposits.
  • Employment Status:
    • Salaried individuals employed with reputable organizations for at least one year are preferred.
    • Self-employed professionals with stable businesses also meet eligibility.
    • Temporary or unstable employment may reduce approval chances.
  • Existing Banking Relationship:
    • Having a prior relationship with Punjab National Bank, such as a savings account with good transaction history, is beneficial.
    • Regular deposits and minimal overdrafts increase the bank’s trust in repayment ability.
  • Location and Serviceability:
    • Applicants residing in areas serviced by PNB branches are preferred.
    • Some remote locations may have limited service availability.
  • Documentation Quality:
    • Accurate, complete, and up-to-date KYC and income documents are required.
    • Errors or mismatches can delay or reject the application.
  • Credit Utilization and Existing Debt:
    • A credit utilization ratio below 30% across all credit accounts is preferred.
    • High existing debts or multiple credit cards may negatively impact eligibility.
  • Age Criteria:
    • Applicants typically should be between 21 and 60 years of age.
  • KYC Compliance:
    • All Know Your Customer requirements must be fulfilled.
    • Incomplete or outdated KYC can lead to application rejection.
  • Tips to Improve Eligibility:
    • Maintain a strong credit score by timely repayments.
    • Provide consistent and verifiable income proof.

Frequently Asked Questions (FAQs) – PNB Mastercard Classic Credit Card

1. What is the PNB Mastercard Classic Credit Card?
It is a basic credit card offered by Philippine National Bank (PNB) in partnership with Mastercard, providing convenience, security, and rewards for everyday purchases.
2. What are the key features & benefits?
Low annual fee (waivable in some cases), contactless payments via Mastercard PayWave, reward points (e.g., 1 point per ₱100 spend), easy installment plans (0% interest promos with partner merchants), free fraud protection, and SMS alerts.
3. What is the credit limit?
The limit varies based on the applicant’s income, credit history, and PNB’s evaluation. New cardholders typically start with a moderate limit (e.g., ₱20,000–₱50,000).
4. How much is the annual fee?
Principal card: approximately ₱1,500–₱2,000 (may be waived if you meet spending requirements). Supplementary card: approximately ₱750–₱1,000.
5. How to waive the annual fee?
Reach a minimum annual spend (e.g., ₱60,000–₱100,000), or call PNB customer service to request a waiver (subject to approval).
6. How to apply for the card?
Online via PNB’s website or partner portals, or visit any PNB branch with valid ID, proof of income (payslips, ITR, COE), and proof of billing.
7. Is there a joining bonus or promo?
PNB occasionally offers welcome gifts like cashback or points for new cardholders who meet minimum spend within the first months.
8. What are the interest rates & charges?
Finance charge is approximately 3% monthly (36% p.a.) on unpaid balances. Late payment fee is ₱500 or unpaid minimum amount (whichever is lower). Cash advance fee is approximately 5% of amount (with daily interest).
9. How to check balance or pay bills?
Online via PNB Online Banking or Mobile App. Payment can also be made at PNB branches, GCash, Maya, BancNet ATMs, etc.
10. Is there travel insurance or other perks?
No travel insurance, but includes Mastercard benefits like discounts at hotels/restaurants and purchase protection.

List of PNB Mastercard Classic Credit Card Branches in Andhra Pradesh

  • Vijayawada - Governorpet
  • Vijayawada - Convent Street
  • Vijayawada - Bunder Road
  • Vijayawada - Labbipet
  • Vijayawada - Patamata
  • Visakhapatnam - MVP Colony
  • Visakhapatnam - Daba Gardens
  • Visakhapatnam - Madhurawada
  • Visakhapatnam - Dwaraka Nagar
  • Visakhapatnam - Gajuwaka
  • Guntur - Arundelpet
  • Guntur - Lakshmipuram
  • Guntur - Kothapet
  • Guntur - Pattabhipuram
  • Andhra Pradesh - Guntur
  • Tirupati - Tirumala
  • Tirupati - Balaji Nagar
  • Andhra Pradesh - Vijayawada
  • Andhra Pradesh - Visakhapatnam