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Features of the PNB Mastercard Platinum Credit Card

  • Global Acceptance for Seamless Transactions: The PNB Mastercard Platinum Credit Card is accepted at millions of merchant outlets and ATMs worldwide, thanks to its partnership with Mastercard. Whether you're shopping at a local store in India or dining abroad, this card ensures hassle-free payments. Its contactless payment feature allows for quick transactions up to ₹5,000 by simply waving the card at NFC-enabled terminals, ensuring speed and security.
  • Robust Rewards Program: Cardholders earn reward points on every transaction with the PNB Mastercard Platinum Credit Card. For every ₹150 spent on retail transactions, you earn 2 reward points, which can be redeemed for a variety of options, including merchandise, travel bookings, and mobile recharges. Additionally, registering for the e-bill facility grants 50 bonus reward points, enhancing the card’s value.
  • Enhanced Security Features: Security is a priority with the PNB credit card. The card is equipped with an embedded EMV chip to protect against cyber threats and unauthorized transactions. The PNB IVR 3D Secure feature adds an extra layer of protection by requiring a One-Time Password (OTP) for online purchases. In case of card loss, PNB’s 24/7 customer care ensures immediate reporting and zero liability for unauthorized transactions post-reporting.
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    • Flexible Credit Limits: The PNB Mastercard Platinum Credit Card offers a credit limit ranging from ₹50,000 to ₹10,00,000, depending on the cardholder’s income and credit profile. This flexibility caters to both moderate spenders and those with higher financial needs, making it a versatile choice for various lifestyles.
    • Add-On Cards for Family Members: Primary cardholders can request up to two add-on cards for family members above 18 years of age. These add-on cards share the primary card’s credit limit and rewards program, allowing families to maximize benefits while keeping spending in check. The add-on cards also come with no additional annual fees, adding to the card’s cost-effectiveness.
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Benefits of the PNB Mastercard Platinum Credit Card

  • Enhanced Lifestyle and Convenience: The PNB Mastercard Platinum Credit Card elevates the cardholder’s lifestyle by offering a suite of benefits tailored to luxury, travel, and everyday convenience. From exclusive discounts to priority services, the card is designed to enhance the user’s financial and personal experiences, making it a valuable tool for affluent customers.
  • Reward Points for Every Spend: The rewards program is a cornerstone benefit, enabling cardholders to earn points on every transaction. With 1 reward point per ₹100 spent and 2 points per ₹150 on retail purchases, users can accumulate points quickly. These points can be redeemed for a wide range of rewards, including air miles, hotel bookings, merchandise, or cashback, offering flexibility and value. For example, a cardholder spending ₹50,000 monthly could earn 500–1,000 points, translating to significant savings on future purchases.
    • Interest-Free Credit for Financial Flexibility: The interest-free credit period of up to 50 days allows cardholders to make purchases without immediate financial burden, provided they clear the balance by the due date.
    • Add-On Cards for Family: Spouses, parents, or children over 18 can use the card for shopping, dining, or travel, earning reward points and enjoying the same global acceptance.
    • Cashback and Merchant Discounts: Mastercard’s partnerships with premium brands ensure exclusive offers, such as 10–20% discounts at luxury restaurants or hotels.
    • Secure Transactions: The zero-liability policy for lost or stolen cards ensures cardholders are not held responsible for fraudulent transactions.
    • EMI Conversion for Large Purchases: With an interest rate of approximately 1.5% per month, it provides financial flexibility without requiring immediate full payment.
    • Utility Bill Payment Convenience: Paying utility bills through the card streamlines financial management and earns reward points on routine expenses such as electricity, water, mobile, and internet bills.
    • Emergency Cash Access: The cash withdrawal facility (up to 20% of the credit limit) provides emergency liquidity during travel or unexpected expenses. While this incurs a fee, it ensures access to funds when needed.
    • Priority Customer Support: PNB’s 24/7 customer care ensures prompt assistance for queries, disputes, or emergencies. Mastercard’s global support network adds further convenience for international users.
    • Annual Fee Waiver: The annual fee, typically around ₹1,000, can be waived if spending thresholds are met, such as exceeding the credit limit annually or maintaining regular retail purchases.
    • Global Emergency Services: Through Mastercard’s Platinum Assist program, cardholders have access to emergency services like medical support, travel assistance, and roadside help during international travel.
    • Flexible Credit Limit: The card’s credit limit ranges from ₹50,000 to ₹15,00,000, tailored to your financial profile. Regular repayment and responsible usage may lead to enhanced limits over time.
    • Digital Banking Integration: The card integrates with PNB’s net banking and mobile app, allowing users to track spending, pay bills, and redeem rewards conveniently.
    • Exclusive Travel Discounts: Enjoy additional travel benefits such as 5% discounts on select international flights with partners like Philippine Airlines, in addition to lounge access and reward points.
    • Fraud Protection: Mastercard’s advanced fraud detection systems monitor for suspicious activity, helping to protect cardholders from unauthorized use.
    • Eco-Conscious Benefits: Paperless statements, digital tools, and possible cashback on sustainable purchases make the card appealing for eco-conscious users.
    • Lifestyle Enhancements: Tie-ups with premium merchants provide access to exclusive events, priority reservations, and offers on fine dining, spas, and more.
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How to Apply for the PNB Mastercard Platinum Credit Card

  • Choose Your Preferred Application Method:
    • Apply online through the PNB Credit Card portal or official website.
    • Visit the nearest PNB branch for offline application.
    • Use PNB SARAL or PNB One app for assisted digital applications.
  • Online Application Process:
    • Visit the PNB website or credit card portal and navigate to the Mastercard Platinum Credit Card section.
    • Click “Apply Now” or download the application form.
    • Fill in personal, employment, and income details accurately.
    • Verify your identity with OTP sent to your registered mobile number.
    • Upload required documents in supported formats (PDF/JPEG).
    • Submit the application and save the reference number for tracking.
  • Offline Application Process:
    • Visit your nearest PNB branch with all required documents.
    • Ask for the Mastercard Platinum Credit Card application form or carry a printed version.
    • Fill the form manually and attach photocopies of identity, address, and income proof.
    • Submit the completed form; bank officials will assist with processing.
  • Apply via PNB SARAL or PNB One:
    • PNB SARAL: Visit a PNB agent or use in-branch assisted service.
    • PNB One: Log in to the app, select the Mastercard Platinum Credit Card, and follow guided steps. Pre-filled details are available for existing customers.
  • Pre-Qualified Credit Card Option (PQCC):
    • Eligible PNB customers may receive a pre-approved offer via SMS, email, or PNB One.
    • Apply with minimal documentation and faster approval under PQCC route.
  • Track Your Application:
    • Use the reference number to track status on the PNB credit card portal.
    • Alternatively, call 8885545255 or check via the PNB Genie app.
  • Receive the Credit Card:
    • After approval, the card is dispatched within 7–10 business days to your registered address.
    • Pre-qualified applicants may receive expedited delivery.
  • Activating the Card:
    • Online: Use the PNB Genie app or net banking to activate.
    • Customer Care: Call 8885545255 for assistance.
    • Green PIN: Set PIN through ATM, SMS, or net banking.
  • Tips for a Successful Application:
    • Double-check form details and submit only valid, recent documents.
    • Maintain a strong credit score (ideally 750+) for smooth approval.
    • Leverage long-standing banking relationships for faster processing.
  • Common Challenges and Solutions:
    • Incomplete Documents: Ensure all KYC and income proofs are legible and current.
    • Technical Glitches: If the online platform is unresponsive, retry later or apply at a branch.
    • Discrepancies in Income: Clarify with bank statements or audited reports if required.
  • Supplementary Card Application:
    • Visit a PNB branch or call customer care to apply for add-on cards.
    • Submit KYC documents and details of the add-on cardholder (age 18+).

Eligibility Criteria for the PNB Mastercard Platinum Credit Card

  • General Eligibility Requirements:
    • This is a premium card and requires financial stability and a strong banking relationship.
    • Applicants must fulfill income, credit, and residency norms for approval.
  • Age Criteria:
    • Primary Cardholder: Must be between 21 and 65 years old.
    • Add-On Cardholder: Must be at least 18 years old. For FD-backed cards, minimum age is also 18.
  • Income Requirements:
    • Salaried: Minimum annual income of ₹5 lakh is required. For premium profiles, it may rise to ₹7.5 lakh.
    • Self-Employed: Must provide ITRs or financial statements showing ₹5 lakh+ income.
    • Retired Government Employees: Must show pension credits of at least ₹20,834/month for six months to waive income proof.
  • Banking Relationship with PNB:
    • Minimum 6-month relationship with PNB is mandatory for new applicants.
    • Accounts like savings, current, or FD with a satisfactory track record help boost eligibility.
  • Credit Score:
    • Preferred CIBIL score is 750 or above for smooth and quick approval.
    • Applicants with scores below 750 may be approved with lower limits or stronger documentation.
  • Nationality and Residency:
    • Applicant must be an Indian citizen and resident.
    • Should reside or be employed in a city/town with a PNB branch for verification purposes.
  • Educational Qualification:
    • Minimum qualification of 10th pass to ensure financial literacy and card usage awareness.
  • Employment Status:
    • Salaried: Must provide recent salary slips or employment certificate.
    • Self-Employed: Submit business proof and audited ITRs/financials.
    • Retired Individuals: Pension slips or 6-month bank statements are mandatory.
    • Housewives: Eligible as add-on cardholders under primary account.
  • KYC Compliance:
    • Mandatory submission of PAN, Aadhaar, utility bill, and other valid KYC documents.
    • Form 60/61 with photo ID is accepted if PAN is unavailable (for limited cases).
  • Credit History:
    • A clean repayment history with no recent defaults enhances approval chances.
    • Low credit utilization and a strong repayment track record are evaluated during assessment.
    • Applicants new to credit may be considered for FD-backed secured cards.
  • Factors Enhancing Eligibility:
    • Annual income above ₹7.5 lakh qualifies for higher limits and faster approvals.
    • Longer PNB banking history (1–2 years) increases trust and creditworthiness.
    • Pre-qualified credit card offers are available for customers with healthy profiles.
  • Exceptions and Special Cases:
    • Secured Cards: Applicants with low income or no credit score can apply against fixed deposits.
    • Add-On Cards: Family members of primary cardholders do not need to meet income criteria.
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Documents Required for the PNB Mastercard Platinum Credit Card

  • Overview of Documentation:
    • Submitting specific documents is mandatory to verify identity and income.
    • These documents help PNB meet KYC norms and assess financial stability.
  • Identity Proof:
    • PAN Card (mandatory, unless Form 60/61 is submitted)
    • Aadhaar Card
    • Passport
    • Driver’s License
    • Voter’s ID
    • Unified Multi-Purpose ID (UMID)
    • SSS/GSIS ID
    • Note: All IDs must be valid and have a clear photograph.
  • Address Proof:
    • Aadhaar Card
    • Passport
    • Voter’s ID
    • Driver’s License
    • Recent utility bill (electricity, water, or telephone)
    • Bank statement from a recognized bank
    • Letter from a public authority or servant approved by PNB
    • Note: Documents must not be older than three months.
  • Income Proof:
    • Salaried Employees:
      • Latest three months’ payslips
      • Certificate of Employment stating date hired, position, and gross income
      • Latest Income Tax Return (ITR) or Form 16
      • Bank statement showing salary credits for the last six months
      • Note: If monthly salary exceeds ₹20,834, no further proof may be needed
    • Self-Employed Professionals/Businessmen:
      • Latest ITR with acknowledgment
      • Audited financial statements for the last two years
      • Business permit or DTI/SEC registration
    • Retired Individuals/Pensioners:
      • Latest pension slips
      • Bank statement showing pension credits for the past six months
  • Application Form:
    • Fully filled with personal details, employment, and financial data
    • Downloadable from the PNB website or available at any branch
  • Additional Documents for Add-On Cards:
    • Identity proof of the add-on cardholder (e.g., Aadhaar, passport)
    • Proof of relationship with primary cardholder (e.g., marriage/birth certificate)
    • Signed consent form from the primary cardholder
  • Documents for Secured Cards:
    • Fixed deposit receipt or account statement
    • FD lien letter authorizing PNB to hold the deposit as security
  • Document Submission Guidelines:
    • Format: PDF or JPEG for online; photocopies + originals for offline
    • Validity: Ensure documents are valid and not expired
    • Accuracy: Ensure all submitted data matches your application form
  • Common Document-Related Issues:
    • Missing mandatory documents like PAN or ITR may delay processing
    • Expired IDs or outdated address proof will be rejected
    • Blurry/unclear scans can result in resubmission requests
  • Verification Process:
    • PNB verifies through internal checks and third-party verification
    • Additional documents may be requested for discrepancies
    • Online applications include digital verification using OTP or e-KYC
  • Tips for Smooth Document Submission:
    • Organize documents in the order required by PNB
    • Ensure PAN number matches across all documents
    • Keep copies of all submitted documents for your own records
    • Contact PNB customer care for clarification, if needed

Factors Affecting PNB Mastercard Platinum Credit Card Eligibility

  • Income Stability:
    • A minimum annual income of ₹5–7.5 lakh is generally required, based on profile.
    • Higher incomes increase the chances of approval and better credit limits.
  • Credit Score and History:
    • A CIBIL score of 750 or above is preferred for premium card approval.
    • PNB considers repayment history, defaults, and credit utilization behavior.
  • Banking Relationship with PNB:
    • At least 6 months of active relationship with PNB is mandatory.
    • Customers with savings, FD, or current accounts are prioritized for PQCC (pre-qualified credit card) offers.
  • Employment Status:
    • Salaried individuals with steady payslips are preferred.
    • Self-employed professionals with strong financials and proper documentation are eligible.
    • Pensioners with regular credited income may also apply.
  • Age and Residency:
    • Applicants must be Indian residents between 21 and 65 years old.
    • Living or working in a location with a PNB branch is beneficial for verification.
  • Debt-to-Income Ratio (DTI):
    • DTI must ideally be below 40% for higher eligibility.
    • High EMIs and loan burden can reduce credit card approval chances.
  • Credit Utilization Ratio:
    • Utilizing less than 30% of your total credit limit reflects responsible behavior.
    • High usage patterns may signal financial dependency and reduce approval chances.
  • KYC Compliance:
    • Ensure all submitted KYC documents (ID, address, PAN, income) are current and error-free.
    • Discrepancies or mismatches can delay or deny approval.
  • Spending and Repayment Habits:
    • Consistent on-time payments and moderate spending habits build financial trust.
    • Bank statements and credit reports are reviewed to verify behavior.
  • External Factors:
    • PNB’s internal credit risk policy, RBI guidelines, or economic conditions may impact approval.
    • For example, during tighter lending periods, income or credit score thresholds may increase.
  • Pre-Qualified Status:
    • Applicants with pre-qualified offers enjoy relaxed eligibility checks.
    • Maintaining an active PNB account increases chances of pre-qualification.
  • Application Accuracy:
    • Ensure all details in the application match the documents submitted.
    • Inconsistencies or missing fields can lead to application rejection.
  • Strategies to Improve Eligibility:
    • Pay off outstanding debts and maintain a clean repayment history.
    • Strengthen your banking relationship with regular transactions in a PNB account.
    • Provide evidence of all income sources, including rent or investments.
    • Reduce financial obligations to improve DTI.
  • Existing Credit Card Portfolio:
    • Applicants holding multiple credit cards with high utilization may be scrutinized more closely.
    • Having a well-maintained premium card from another bank can boost credibility.
  • Residential and Employment Stability:
    • Long-term residence at the same address adds to applicant stability.
    • Staying in the same job or profession for over a year improves approval chances.
  • Type of Employment or Industry:
    • Applicants from government, PSU, or reputed MNCs are seen as lower-risk.
    • Seasonal or commission-based professionals may need stronger documentation.
  • Digital Footprint and Online Presence:
    • PNB may consider your digital transaction history through UPI or net banking.
    • Active digital banking behavior is a positive indicator for tech-integrated credit products.
  • Co-applicant or Guarantor Support:
    • Having a co-applicant with strong financials may support approval in borderline cases.

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

1. What are the key features of the PNB Mastercard Platinum Credit Card?
- Cashback and rewards on spending
- Complimentary travel insurance
- Discounts on dining, shopping, and travel
- Contactless payments via Mastercard PayPass
- Free annual fee (depending on promotional terms)
2. What is the credit limit for this card?
The credit limit varies based on the applicant’s income, credit history, and PNB’s internal evaluation.
3. How can I apply for the PNB Mastercard Platinum Credit Card?
- Online via PNB’s official website
- At any nearby PNB branch
- Through authorized agents or representatives
4. What are the income requirements?
Typically, applicants must have a minimum annual income of ₱180,000 to ₱250,000. This may vary depending on ongoing offers and policies.
5. Is there an annual fee?
Some promotional offers waive the annual fee for the first year. Renewal fees may apply in subsequent years—check current terms at the time of application.
6. How do I earn rewards or cashback?
You earn points on every purchase, which are redeemable for rewards. Higher rewards may be available on specific categories such as groceries or fuel.
7. Does this card have an installment payment feature?
Yes, cardholders can convert high-value purchases into manageable monthly installments through the PNB Easy Pay facility.
8. What are the foreign transaction fees?
Typically, a 3% fee is charged on the transaction amount for international or overseas purchases.
9. How do I pay my PNB credit card bill?
- Via PNB Online or Mobile Banking
- Over-the-counter at PNB branches
- Through authorized payment centers such as Bayad Center, GCash, and others
10. What should I do if my card is lost or stolen?
Immediately call PNB’s 24/7 customer service hotline to block the card and request a replacement. Prompt action helps prevent unauthorized transactions.

List of PNB Mastercard Platinum Credit Card Branches in Telangana

  • Hyderabad - Abids
  • Hyderabad - Basheerbagh
  • Hyderabad - L B Nagar
  • Hyderabad - Vanasthalipuram
  • Hyderabad - Miyapur
  • Hyderabad - Tolichowki
  • Warangal - Hanamkonda
  • Warangal - Kazipet
  • Warangal - Bhadrakali
  • Warangal - Mulug Road
  • Telangana - Warangal
  • Nizamabad - Armoor
  • Nizamabad - Bodhan
  • Nizamabad - Kamareddy
  • Telangana - Nizamabad
  • Karimnagar - Jagtial
  • Karimnagar - Manthani
  • Karimnagar - Peddapalli
  • Telangana - Karimnagar
  • Khammam - Kothagudem