info@logintoloans.com +91 8885545255

Logintoloans Assistant

Select your profession

Salaried Icon Salaried
Business Icon Business
CA CA
Doctor Doctor
NRI NRI
School School
College College
Student Student

Enter Pincode

Personal Details

Features of the PNB PaisaBazaar SaveMax Credit Card

  • Cashback on Everyday Spending:
    The SaveMax Credit Card offers attractive cashback on various categories of spending, making it an ideal choice for frequent shoppers. Cardholders can earn up to 5% cashback on select categories such as online shopping, groceries, and utility bill payments, subject to a monthly cap. This feature ensures that everyday expenses translate into tangible savings, which are credited directly to the cardholder’s account, reducing the outstanding balance.
  • Reward Points Program:
    The card comes with a robust rewards program, where users earn reward points for every transaction. For instance, cardholders may earn 2 reward points for every INR 150 spent on retail purchases, with accelerated rewards (e.g., 4X points) on specific categories like dining or travel. These points can be redeemed for a variety of options, including merchandise, gift vouchers, or statement credits, offering flexibility to suit individual preferences.
  • Contactless Payment Technology:
    Equipped with contactless payment technology, the SaveMax Credit Card allows users to make quick and secure transactions by simply tapping the card at compatible terminals. This feature supports transactions up to INR 5,000 without requiring a PIN, with a daily limit of INR 15,000 for contactless payments, ensuring both convenience and security.
Credit Card Promotion
    • Lounge Access Benefits: For frequent travelers, the card offers complimentary domestic lounge access, typically 2-4 visits per year, depending on the card variant. This feature enhances the travel experience by providing access to premium lounges at major airports in India, offering a comfortable space to relax before flights.
    • Comprehensive Insurance Coverage: The SaveMax Credit Card includes insurance benefits to protect cardholders in various scenarios. This may include personal accident insurance coverage of up to INR 5 lakh and lost card liability protection, ensuring peace of mind in case of card loss or theft. The insurance coverage is subject to terms and conditions set by PNB.
    • Annual Fee Waiver: The card’s annual fee, typically around INR 500, can be waived if the cardholder meets a minimum spending threshold, such as INR 1 lakh annually. This feature encourages active usage while making the card cost-effective for those who use it regularly for their expenses.
    • Global Acceptance: Backed by either Visa or RuPay, the SaveMax Credit Card is accepted at millions of merchant outlets and ATMs worldwide. This global acceptance ensures that cardholders can use the card for international transactions, whether for shopping, dining, or travel, without worrying about compatibility.
    • EMI Conversion Options: The card allows users to convert high-value purchases into easy equated monthly installments (EMIs) at competitive interest rates. This feature is particularly useful for big-ticket purchases like electronics or furniture, enabling cardholders to manage their finances more effectively.
    • Balance Transfer Facility: Cardholders can transfer outstanding balances from other credit cards to the SaveMax Credit Card at a lower interest rate, helping consolidate debt and reduce interest costs. This feature is subject to approval and may involve a processing fee.
    • Mobile App Integration: The card is integrated with PNB’s mobile app, “PNB Genie,” which allows users to track transactions, pay bills, set spending limits, and redeem rewards seamlessly. The app provides real-time updates and notifications, ensuring users stay informed about their card activity.
    • Add-On Cards: The SaveMax Credit Card offers the option to issue add-on cards to immediate family members above 18 years of age. These add-on cards share the primary card’s credit limit, allowing family members to enjoy the same benefits while enabling the primary cardholder to monitor spending.
    • Interest-Free Credit Period: Cardholders enjoy an interest-free credit period of up to 50 days on purchases, provided the outstanding balance is paid in full by the due date. This feature allows users to manage short-term expenses without incurring additional costs.
    • Secure Transactions: The card incorporates advanced security features, including EMV chip technology and one-time password (OTP) verification for online transactions. These measures protect against fraud and unauthorized usage, ensuring a safe payment experience.
    • Merchant-Specific Offers: The SaveMax Credit Card provides exclusive discounts and offers at partnered merchants, including e-commerce platforms, restaurants, and retail outlets. These offers are periodically updated to provide maximum value to cardholders.
    • Fuel Surcharge Waiver: While not a primary feature, the card may offer a fuel surcharge waiver of up to INR 100 per month on fuel transactions between INR 400 and INR 3,000 at select fuel stations, subject to specific terms.
    • Customizable Credit Limits: The credit limit on the SaveMax Credit Card is determined based on the cardholder’s income, credit score, and repayment history, ranging from INR 50,000 to INR 10 lakh. Cardholders can request a limit increase after demonstrating consistent usage and timely repayments.
    • Flexible Billing Cycle: The card offers a flexible billing cycle, allowing users to align their payment due dates with their income cycle, making it easier to manage monthly expenses.
    • Online Account Management: Through PNB’s online banking portal, cardholders can access detailed statements, manage payments, and track reward points. This digital interface simplifies card management and enhances user convenience.
    • Customer Support: PNB provides 24/7 customer support through a dedicated toll-free number and email, ensuring cardholders can resolve queries or report issues promptly.
    • Eco-Friendly Card Options: In line with sustainability trends, PNB may offer eco-friendly card variants made from recycled materials, appealing to environmentally conscious consumers.
Who We Are

Benefits of the PNB PaisaBazaar SaveMax Credit Card

  • Significant Cashback Savings: One of the standout benefits of the SaveMax Credit Card is its cashback program, which allows users to save on everyday purchases. For example, cardholders can earn 5% cashback on online shopping and 2% on in-store purchases at select merchants, with a monthly cashback cap ensuring consistent savings.
  • Reward Points Redemption Flexibility: The reward points earned on the card can be redeemed for a wide range of options, including gift vouchers, merchandise, air miles, or statement credits. This flexibility ensures that cardholders can use their points in a way that aligns with their preferences, whether for travel, shopping, or bill payments.
  • Enhanced Travel Experience: The complimentary lounge access benefit elevates the travel experience for cardholders, offering a comfortable and luxurious environment at major Indian airports. This is particularly valuable for frequent flyers who value convenience and relaxation during travel.
    • Financial Protection: The included insurance coverage, such as personal accident insurance and lost card liability protection, provides financial security.
    • Cost-Effective Fee Structure: The annual fee waiver, achievable by meeting a reasonable spending threshold, makes the card cost-effective. This encourages active usage without extra costs for regular users.
    • Global Usability: The card’s acceptance worldwide, powered by Visa or RuPay, enables hassle-free transactions internationally, benefiting travelers and online shoppers.
    • Debt Management Support: Features like balance transfer and EMI conversion help cardholders manage and reduce interest costs by consolidating debt and spreading large payments.
    • Convenience Through Technology: Contactless payments and integration with the PNB Genie app make transactions quick and account management easy on the go.
    • Family Benefits: Add-on cards extend cashback, rewards, and benefits to family members, while the primary cardholder controls the credit limit for responsible use.
    • Interest-Free Credit: Up to 50 days of interest-free credit provides flexibility to make purchases without immediate payment pressure, if dues are paid on time.
    • Exclusive Merchant Discounts: Cardholders get access to special offers and discounts at partner merchants, including e-commerce, dining, and retail outlets.
    • Fuel Cost Savings: The fuel surcharge waiver reduces refueling costs, adding value for vehicle owners.
    • Improved Credit Score: Responsible use and timely payments can help enhance the cardholder’s credit rating for future borrowing.
    • Fraud Protection: Advanced security features like EMV chip and OTP verification safeguard cardholders from fraudulent transactions.
    • Tailored Credit Limits: Credit limits are customized based on financial profile, helping avoid overspending while meeting spending needs.
    • Flexible Payment Options: Billing cycles and EMI options allow cardholders to align payments with income patterns for easier management.
    • 24/7 Customer Support: Round-the-clock support helps with emergencies, lost cards, or billing issues anytime.
    • Eco-Conscious Options: Availability of eco-friendly card variants appeals to users focused on sustainability.
    • Holistic Financial Management: Combining cashback, rewards, and digital tools, the card supports comprehensive financial planning and spending.
Check Best Gold Loan Offers

How to Apply for the PNB PaisaBazaar SaveMax 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.
    • Contact PNB customer care to start your application via phone.
    • Explore credit card offers and apply via PaisaBazaar website (which redirects to PNB official portal).
  • Online Application Process:
    • Visit the official PNB website or PNB Cards portal and select the PaisaBazaar SaveMax Credit Card.
    • Download and fill the application form with accurate personal, employment, and financial details.
    • Upload scanned copies of identity proof, address proof, and income proof in accepted formats (PDF/JPEG).
    • Submit the application and note down the reference number for tracking.
  • Offline Application Process:
    • Visit the nearest PNB branch and request the PaisaBazaar SaveMax Credit Card application form.
    • Fill the form manually with correct details and attach self-attested photocopies of required documents.
    • Submit the completed form; bank officials will assist you with processing and provide a reference number.
  • Application via PNB Customer Care:
    • Call PNB customer care and provide your details to receive assistance in initiating the application.
    • You may receive the application form via email or post to complete and submit.
  • Application via PaisaBazaar:
    • Visit the PaisaBazaar website, search for the SaveMax Credit Card, and verify eligibility by entering your mobile number and OTP.
    • You will be redirected to the PNB portal to complete the application process.
  • Check Pre-Approved Offers:
    • Existing PNB customers can check pre-qualified offers via PNB Genie app or internet banking.
    • Pre-approved applicants enjoy simplified application and faster approval.
  • Track Your Application:
    • Track your application status online using the reference number on the PNB Cards website.
    • Alternatively, contact customer care or email creditcardpnb@pnb.co.in for updates.
  • Verification Process:
    • PNB may conduct phone or physical verification to confirm your submitted information.
    • Ensure all documents and details are accurate to avoid delays.
  • Post-Approval Steps:
    • Upon approval, the credit card is dispatched within 7 working days to your registered address.
    • Activate the card using instructions from the welcome kit via PNB Genie app, net banking, or customer care.
    • Set your PIN for secure transactions and register for online banking to manage your card.
  • Tips for a Successful Application:
    • Maintain a credit score of 750+ for better approval chances.
    • Submit complete and valid documentation.

Eligibility Criteria for the PNB PaisaBazaar SaveMax Credit Card

  • Age Requirements:
    • Primary Cardholder: Must be between 21 and 65 years of age.
    • Add-On Cardholder: Must be at least 18 years old.
    • FD-Backed Cards: No upper age limit, making it accessible to senior citizens.
  • Income Requirements:
    • Salaried Individuals: Minimum annual income of ₹2.5 lakh required.
    • Self-Employed Individuals: Minimum annual income of ₹3 lakh required.
    • Higher-income applicants may qualify for higher credit limits at PNB's discretion.
  • Credit Score:
    • Preferred credit score is 750 or above for approval.
    • Applicants without prior credit history are also eligible, as the card caters to new and established credit users.
  • Employment Status:
    • Salaried Applicants: Must have a stable job with at least 6 months of tenure with the current employer.
    • Self-Employed Applicants: Must provide proof of business continuity for 1–2 years.
  • Residency Status:
    • Applicants must be Indian citizens and residents.
    • NRIs may be eligible for specific variants subject to additional documentation and bank policies.
  • Existing Relationship with PNB:
    • Applicants should have a savings or current account with PNB for at least 6 months with a satisfactory track record.
  • Educational Qualification:
    • Minimum educational qualification is 10th-grade pass.
  • Credit History:
    • Clean credit history with no defaults or missed payments improves approval chances.
    • Recent multiple credit applications may lead to scrutiny due to hard inquiries.
  • Debt-to-Income Ratio:
    • PNB evaluates the applicant’s debt-to-income ratio to ensure repayment capacity.
    • A lower debt-to-income ratio improves eligibility.
  • Specific Requirements for Add-On Cards:
    • Add-on card applicants must be immediate family members (spouse, children, or parents) of the primary cardholder.
    • Add-on applicants must meet the minimum age requirement of 18 years.
  • Document Verification:
    • Applicants must submit valid KYC documents such as Aadhaar, PAN card, and address proof for identity verification.
    • All submitted documents should be current and legible to avoid processing delays.
  • Contactability:
    • Applicants should have an active mobile number and email ID for communication during the application and verification process.
    • PNB may contact applicants for additional information or verification calls.
  • No Existing Defaults with PNB:
    • Applicants should not have any existing loan or credit card defaults with Punjab National Bank to be eligible.
    • A clean banking relationship with PNB enhances the approval chances.
Check Best Gold Loan Offers

Documents Required for the PNB PaisaBazaar SaveMax Credit Card

  • Identity Proof:
    • Self-attested copy of Aadhaar card (preferred), PAN card, voter ID, passport, or driving license
    • Ensure the ID has a clear photograph and matches the name in the application
  • Address Proof:
    • Aadhaar card, passport, voter ID, or driving license
    • Recent utility bill (electricity, water, or gas) not older than 3 months
    • Rental agreement (if applicable)
    • Address on the proof must match the application
  • Income Proof for Salaried Individuals:
    • Last 3 months’ salary slips
    • Form 16 or employment certificate
    • Bank statement showing salary credits for the past 6 months
  • Income Proof for Self-Employed Individuals:
    • ITR for last 1–2 years
    • Financial statements or audited balance sheets
    • Bank statement for past 6 months to prove income stability
  • PAN Card:
    • Mandatory for financial verification and tax compliance
    • Ensure accuracy of PAN details to avoid delays
  • Passport-Size Photographs:
    • Two recent photographs for the application form and card issuance
  • Proof of Existing PNB Account:
    • Bank passbook or statement showing at least 6 months of transactions
    • Applicable if you already hold a PNB savings or current account
  • Additional Documents for Add-On Cards:
    • Identity and age proof of the add-on cardholder (e.g., Aadhaar, passport)
  • Documents for Cards Against Fixed Deposits:
    • FD receipt or certificate in the applicant’s name
    • Minimum FD value of ₹1.6 lakh for up to 80% credit limit against FD

Factors Affecting Eligibility for the PNB PaisaBazaar SaveMax Credit Card

  • Minimum Age and Citizenship: Applicants must be Indian citizens aged between 21 and 65 years to meet the basic eligibility requirement for this credit card.
  • Credit Score Health: A good credit score, preferably 750 or above, demonstrates creditworthiness. PNB uses this score to assess the risk of lending and prioritize applicants with strong repayment behavior.
  • Monthly Income Level: A consistent monthly income that meets PNB’s internal threshold is essential. Salaried individuals and self-employed professionals must show sufficient income to support timely repayments.
  • Employment or Business Continuity: Salaried applicants should have a stable job for at least 6 months. Self-employed individuals should have at least 1–2 years of business history with consistent cash flow.
  • Existing Loans and Liabilities: Applicants with manageable existing loans and a healthy debt-to-income ratio have higher approval chances. Excessive debt may indicate repayment strain and affect creditworthiness.
  • Relationship with PNB: Having a pre-existing savings or current account with PNB for over 6 months with regular transactions builds trust and may support a smoother approval process.
  • Credit Card Usage Patterns: Low credit utilization on existing cards reflects financial discipline. Utilization above 30% of available limits could be viewed as a red flag by lenders.
  • Recent Credit Inquiries: Applying for multiple credit products in a short span can lead to several hard inquiries, potentially lowering the credit score and raising concerns about financial urgency.
  • Document Authenticity and Completeness: Inaccurate or missing documents can delay approval or lead to outright rejection. All forms and proofs submitted should be current, valid, and consistent.
  • Repayment and Default History: Any past defaults, missed EMIs, or delayed payments negatively impact eligibility. A clean repayment history enhances the chances of approval and favorable credit limits.
  • Type of Employment: Government employees, professionals (like doctors or CAs), and employees of reputed private companies may be viewed more favorably during the evaluation process.
  • Geographic Location: Applicants residing in serviceable urban and semi-urban locations with easy KYC verification access may receive faster approvals compared to those in remote areas.

Frequently Asked Questions (FAQs) – PNB PaisaBazaar SaveMax Credit Card

1. What is the PNB PaisaBazaar SaveMax Credit Card?
The PNB PaisaBazaar SaveMax Credit Card is a co-branded credit card offered by PNB in collaboration with PaisaBazaar. It provides cashback, rewards, and lifestyle benefits across everyday spending categories.
2. What are the key features of this card?
- Up to 5% cashback on online shopping, groceries, and utility bills
- 2 reward points per ₹150 spent, with 4X rewards on dining and travel
- Complimentary lounge access (2–4 visits/year)
- Contactless payments and PNB Genie app integration
- Personal accident insurance up to ₹5 lakh
- EMI conversion and balance transfer facilities
3. What is the cashback structure?
Earn up to 5% cashback on select categories (e.g., groceries, online shopping) with a monthly cap of ₹1,000. Additional cashback options may vary based on ongoing offers and merchant partners.
4. How does the rewards program work?
Earn 2 points per ₹150 spent on retail, with 4X points on dining and travel. Points can be redeemed for vouchers, air miles, merchandise, or statement credit through the PNB Genie app or rewards portal.
5. What are the travel benefits?
Enjoy 2–4 complimentary domestic lounge visits per year at select Indian airports, depending on the card variant. Accepted globally via Visa or RuPay networks.
6. Is there an annual fee?
Yes, the annual fee is approximately ₹500 + GST. However, it is waived if the annual spend exceeds ₹1 lakh.
7. What is the interest-free credit period?
Up to 50 days interest-free on purchases, subject to full payment by the due date. This includes the billing cycle and grace period.
8. Does the card offer insurance coverage?
Yes. It includes personal accident insurance of up to ₹5 lakh and lost card liability protection, subject to terms and timely reporting.
9. Can I convert purchases into EMIs?
Yes. Purchases above ₹2,500 can be converted to EMIs of 3–36 months. A processing fee (2% of transaction or ₹200, whichever is higher) plus GST applies.
10. Is there a balance transfer option?
Yes, you can transfer outstanding balances from other cards to this one at lower rates. Minimum transfer: ₹2,000. Max: 90% of credit limit. Processing fee: 1% or ₹199 + GST.
11. How can I apply for the card?
- Online via the PNB website or PNB Cards portal
- By visiting a nearby PNB branch
- Pre-approved customers can apply via the PNB Genie app
- PaisaBazaar users can check details and be redirected to PNB’s site
12. What is the eligibility criteria?
- Age: 21–65 years (18+ for add-on cards)
- Minimum income: ₹2.5 lakh (salaried), ₹3 lakh (self-employed)
- Indian residency and at least 10th grade education
- PNB account for 6 months preferred; CIBIL 750+ ideal
13. What documents are required?
- ID proof: Aadhaar, PAN, passport, voter ID, etc.
- Address proof: Aadhaar, utility bill, rent agreement
- Income proof: Salary slips or ITR
- PNB account proof: Passbook or statement
- Two passport-size photos
14. Can I get this card against a fixed deposit?
Yes, it can be issued against an FD of at least ₹1.6 lakh. The credit limit will be up to 80% of the FD value.

List of PNB PaisaBazaar SaveMax Credit Card Branches in Tamil Nadu

  • Nilgiris - Ooty
  • Tamil Nadu - Nilgiris
  • Kallakurichi - Ulundurpet
  • Tamil Nadu - Kallakurichi
  • Ranipet - Arakkonam
  • Tirupattur - Vaniyambadi
  • Tamil Nadu - Tirupattur
  • Tenkasi - Sankarankovil
  • Tamil Nadu - Tenkasi
  • Chengalpattu - Maraimalai Nagar
  • Mayiladuthurai - Kuthalam
  • Tamil Nadu - Mayiladuthurai
  • Coonoor - Bedford
  • Tamil Nadu - Coonoor
  • Bodinayakanur - Theni Road
  • Kadayanallur - Puliyangudi
  • Tamil Nadu - Kadayanallur
  • Tamil Nadu - Ranipet
  • Tamil Nadu - Chengalpattu
  • Tamil Nadu - Bodinayakanur