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Features of the PNB RuPay Classic Credit Card

  • Contactless Payment Technology: The PNB RuPay Classic Credit Card is equipped with contactless payment technology, allowing users to make quick and secure transactions of up to ₹5,000 by simply tapping the card at POS terminals. This feature, powered by RuPay’s advanced infrastructure, ensures faster checkouts at retail stores, restaurants, and other merchants, reducing the need for physical swipes or PIN entry for small transactions.
  • UPI Integration: One standout feature of the PNB RuPay Classic Credit Card is its compatibility with UPI (Unified Payments Interface) apps like BHIM, PhonePe, Paytm, and Google Pay. Cardholders can link their card to a UPI app for seamless digital payments at merchants, both online and offline. This makes the card a modern solution for tech-savvy users who prefer digital wallets for quick transactions.
  • Reward Points Program: The card offers a simple yet effective reward points system. For every ₹100 spent on retail purchases, cardholders earn 1 reward point, which can be redeemed for a variety of products or services via the PNB Rewardz portal. Additionally, new users receive a welcome bonus of 300 reward points upon making their first transaction within 90 days of card issuance, providing an immediate incentive for activation.
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    • Wide Acceptance: As a RuPay card, the PNB RuPay Classic Credit Card is widely accepted across India at millions of merchant outlets, ATMs, and online platforms. Through RuPay’s partnership with Discover Financial Services, the card also enjoys global acceptance at Discover, Diners Club International, and PULSE networks, making it suitable for international travel and purchases.
    • EMV Chip Security: Security is a priority with the PNB RuPay Classic Credit Card, which comes equipped with EMV chip technology. This ensures protection against skimming and unauthorized transactions. Cardholders can also instantly block or unblock their card via the PNB Genie mobile app or customer care, adding an extra layer of control.
    • Flexible Credit Limit: The card offers a credit limit ranging from ₹25,000 to ₹5,00,000, determined by PNB based on factors like the applicant’s credit score, income, and repayment history. This flexibility makes the PNB RuPay Classic Credit Card accessible to a wide range of users, from beginners to those with established credit profiles.
    • Interest-Free Period: Cardholders enjoy an interest-free credit period of 20 to 50 days, depending on the billing cycle and transaction date. This allows users to make purchases and pay later without incurring interest, provided the outstanding balance is cleared within the grace period.
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Benefits of the PNB RuPay Classic Credit Card

  • No Joining or Annual Fees with Conditions: The PNB RuPay Classic Credit Card comes with a nominal joining fee of ₹500 and an annual fee of ₹500. However, both fees can be waived if the card is used at least once every quarter. This spend-based waiver makes the card effectively free for active users, ensuring cost-effectiveness.
  • Fuel Surcharge Waiver: Cardholders can save on fuel expenses with a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000. The maximum waiver is capped at ₹250 per billing cycle, offering significant savings for frequent drivers. This benefit applies at fuel stations across India, making it practical for daily commuters.
  • Cashback on Everyday Spending: The PNB RuPay Classic Credit Card provides cashback offers on utility bill payments, dining, and restaurant expenses. These offers, periodically updated by PNB, allow users to save on routine spends. For example, cardholders can enjoy discounts at partner merchants or through promotional campaigns, such as movie ticket bookings via BookMyShow.
    • Comprehensive Insurance Coverage: The card includes accidental insurance coverage of up to ₹2 lakh for death or total permanent disability. This benefit provides peace of mind, especially for frequent travelers.
    • Merchant Discounts: With access to over 300 merchant offers, the PNB RuPay Classic Credit Card enables cardholders to enjoy discounts at retail stores, online platforms, and dining establishments.
    • Add-On Cards for Family: The card allows up to two add-on cards for family members above 18 years of age at no extra cost. This feature enables families to share the credit limit and benefits, such as reward points and cashback.
    • 24/7 Concierge Services: Cardholders have access to a 24/7 concierge service for assistance with travel bookings, hotel reservations, or gift suggestions. This premium feature adds a layer of convenience.
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How to Apply for the PNB RuPay Classic Credit Card

  • Choose Your Preferred Application Method:
    • Apply online via the PNB Credit Card Portal or PNB One mobile app.
    • Visit the nearest PNB branch for in-person application support.
    • Use assisted services like PNB SARAL, available in select regions.
  • Online Application Process:
    • Go to the official PNB website or open the PNB One app.
    • Navigate to the Credit Cards section and select the RuPay Classic Credit Card.
    • Click “Apply Now” or download the application form if prompted.
    • Enter accurate personal, employment, and financial information.
    • Upload required documents such as ID proof, address proof, and income proof.
    • Submit your application digitally and note the reference number for tracking.
  • Offline Application Process:
    • Visit your nearest PNB branch with both original and photocopies of the necessary documents.
    • Request or bring a filled copy of the RuPay Classic Credit Card application form.
    • Submit the form along with your documents to the bank representative.
    • The branch will assist in verification and processing.
  • Apply via PNB SARAL or PNB One:
    • PNB SARAL: Visit a PNB agent or service point to apply with guided support.
    • PNB One: Log in to the mobile app and apply through the Credit Cards section. Pre-filled data will speed up the process for existing customers.
  • Track Your Application:
    • Use your application reference number to check the status via the PNB website, PNB Genie app, or customer care.
    • Call 8885545255 for status updates and assistance.
  • Receive the Credit Card:
    • Upon approval, the card will be delivered to your registered address within 7–14 working days.
  • Activating the Card:
    • Online: Activate your card via the PNB Genie app or PNB website.
    • Customer Care: Call 8885545255 for activation assistance.
  • Tips for a Successful Application:
    • Ensure accurate data entry and submit recent, legible documents.
    • Maintain a good credit score (recommended 720+) to improve chances of approval.
  • Common Application Challenges and Solutions:
    • Low Credit Score: Pay existing dues and avoid new loans before applying.
    • Incomplete Documentation: Use updated and clearly scanned proofs to prevent rejection.
    • Technical Issues: Try different browsers or use the mobile app if the site doesn’t load properly.
    • Delayed Income Verification: Ensure submission of current salary slips, bank statements, or ITRs.

Eligibility Criteria for the PNB RuPay Classic Credit Card

  • Who Can Apply:
    • Designed for individuals seeking a basic, reliable credit card.
    • Suitable for salaried employees, self-employed individuals, and those new to credit.
  • Age Requirements:
    • Salaried Applicants: Must be between 21 and 60 years old.
    • Self-Employed Applicants: Can apply up to the age of 65 years.
    • Add-On Cardholders: Must be at least 18 years old.
  • Nationality:
    • Must be an Indian citizen or a resident of India.
    • NRIs may apply if they maintain a relationship with PNB for at least 6 months.
  • Income Threshold:
    • Minimum annual income of ₹1 lakh required for both salaried and self-employed individuals.
    • Makes the card accessible for entry-level earners and small business owners.
  • Employment Status:
    • Salaried: Must have stable employment and be able to submit salary slips or Form 16.
    • Self-Employed: Must demonstrate steady income and business continuity.
    • Pensioners: May be eligible by submitting recent pension slips or bank statements.
  • Credit Score and History:
    • Preferred credit score: 720+
    • Applicants with no credit history may still qualify with income proof, but may receive lower credit limits.
    • Clean repayment history and responsible credit behavior increase approval chances.
  • Existing PNB Customers:
    • Preferred if you’ve held a savings/current account or FD for 6+ months with consistent activity.
    • May be eligible for Pre-Qualified Credit Card (PQCC) offers for faster processing.
  • Add-On Card Eligibility:
    • Up to 2 add-on cards allowed for immediate family members (spouse, parents, or children above 18).
    • Add-on cardholders are not required to have independent income; credit limit is shared with the primary card.
  • KYC and Documentation:
    • Valid PAN card, Aadhaar card, and proof of income are required.
    • All applicants must comply with KYC norms as per RBI guidelines.
  • Tips to Strengthen Eligibility:
    • Ensure all documents are consistent and up-to-date.
    • Maintain a stable source of income and a clean banking record.
    • Avoid applying for multiple cards simultaneously to reduce hard inquiry impact.
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Documents Required for the PNB RuPay Classic Credit Card

  • Overview:
    • Submitting the correct documentation is critical to a smooth application process.
    • The documents verify identity, address, and income to assess your creditworthiness.
  • Identity Proof:
    • Aadhaar Card: Preferred for its widespread acceptance and linkage to government records.
    • PAN Card: Mandatory for tax and financial verification.
    • Voter ID Card: Serves as valid identity verification.
    • Passport: Also acceptable as address proof if required.
    • Driving License: Dual-purpose document for ID and address.
    • Ensure documents are valid with a clear photo and readable details; originals may be required for verification.
  • Address Proof:
    • Aadhaar Card (if not used as ID proof)
    • Passport with current address
    • Utility Bills (electricity, gas, or water – not older than 3 months)
    • Rental Agreement (registered, with utility bill in landlord’s name)
    • Recent bank statement or passbook entry showing your address
  • Income Proof:
    • Salaried Applicants:
      • Last 3 months’ salary slips or salary certificate
      • Form 16 or latest Income Tax Return (ITR)
    • Self-Employed Applicants:
      • Latest audited ITR for past 2 years
      • Balance sheet or profit-and-loss statement
      • Business continuity proof such as GST certificate
    • Pensioners:
      • Latest pension slips or bank statements showing pension credits (past 6 months)
  • Additional Documents:
    • Application Form: Available online at any PNB branch
    • 2–3 Recent Passport-Sized Photographs
    • Form 60: Only if PAN is not available (rarely applicable)
  • Tips for Successful Submission:
    • All documents must be up-to-date (issued within the last 3–6 months)
    • Ensure names and addresses match across all proofs
    • Self-attest all copies and carry originals for in-branch verification if required
    • Incomplete or mismatched documents can result in rejection

Factors Affecting Eligibility for the PNB RuPay Classic Credit Card

  • Credit Score and History:
    • A score above 720, as reported by CIBIL or other credit bureaus, signals good creditworthiness.
    • PNB evaluates repayment history, including timely payments on loans, credit cards, or EMIs.
    • Defaults, high credit utilization, or frequent credit inquiries can lower your score, reducing approval chances or resulting in a lower credit limit (₹25,000 to ₹5,00,000).
  • Income Stability and Level:
    • The PNB RuPay Classic Credit Card requires a minimum annual income of ₹1 lakh.
    • Salaried applicants with consistent paychecks or self-employed individuals with steady business income are preferred.
    • Irregular income or unverifiable sources can hinder approval.
  • Employment Type and Duration:
    • Salaried professionals with at least six months of continuous employment are preferred.
    • Self-employed individuals with a business operational for at least two years are more likely to qualify.
    • Employment stability indicates repayment capacity.
  • Existing Relationship with PNB:
    • Customers with savings accounts, fixed deposits, or loans with a good repayment history may receive pre-approved offers or faster processing.
    • The bank’s Pre-Qualified Credit Card (PQCC) program targets such customers, simplifying the application process.
  • Debt-to-Income Ratio:
    • A lower DTI (below 40%) indicates sufficient income to manage additional credit, improving approval odds.
    • High existing debt, such as multiple loans or credit card balances, may lead to rejection or a reduced credit limit.
  • Age and Residency:
    • Applicants under 21 or over 60 (salaried) or 65 (self-employed) may not qualify for the primary card.
    • Indian citizenship or residency is mandatory.
    • Non-residents must provide additional documentation such as proof of a local address or banking relationship.
  • Application Accuracy:
    • Accuracy and completeness of the application and documents are critical.
    • Errors in personal details, mismatched documents, or incomplete submissions can delay or derail the approval process.
    • Double-check your application before submission.

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

1. What is the PNB RuPay Classic Credit Card?
It is a RuPay-powered credit card issued by Punjab National Bank (PNB), offering benefits like cashback, discounts, and easy transactions on the RuPay network.
2. What are the key features of the PNB RuPay Classic Credit Card?
Key features include:
- Contactless payments (via NFC)
- Fuel surcharge waiver
- Reward points on spends
- Zero fraud liability cover
- Complimentary insurance cover (if applicable)
3. What is the joining or annual fee?
The card typically has a low or zero joining fee (subject to PNB’s current offers). Annual fees may be waived on achieving minimum spend criteria. Please check PNB’s latest terms for exact charges.
4. Where can I use the PNB RuPay Classic Credit Card?
It is accepted at all RuPay-enabled merchants across India, including online platforms and ATMs. The card may also work for UPI-linked payments if supported by PNB.
5. Does the card offer reward points or cashback?
Yes, the card earns reward points on retail spends which can be redeemed for gifts or vouchers. Some transactions may also qualify for cashback or discounts as per PNB’s reward policy.
6. Is there a fuel surcharge waiver?
Yes, the card typically offers a 1% fuel surcharge waiver on petrol purchases, subject to minimum and maximum transaction limits.
7. What is the credit limit on the card?
The credit limit is assigned based on the applicant’s income, credit score, and internal assessment by PNB.
8. How can I apply for the PNB RuPay Classic Credit Card?
You can apply by visiting a nearby PNB branch, applying online through PNB’s website or net banking portal. You’ll need to submit KYC documents such as ID proof, address proof, and income proof.
9. How can I check my card balance and rewards?
You can check your balance and reward points via PNB internet banking, PNB mobile app, or by contacting customer care.
10. What is the interest rate and grace period?
The card offers an interest-free grace period of up to 50 days if the full outstanding balance is paid by the due date. Interest rates on unpaid balances typically range between 3-4% per month.

List of PNB Rupay Classic Credit Card Branches in Bangalore

  • Bangalore - M G Road
  • Bangalore - Banashankari
  • Bangalore - Banaswadi
  • Bangalore - Cantonment
  • Bangalore - Jayanagar
  • Bangalore - Indira Nagar
  • Bangalore - Koramangala
  • Bangalore - Malleswaram
  • Bangalore - Rajaji Nagar
  • Bangalore - Basavanagudi
  • Bangalore - Fraser Town
  • Bangalore - HSR Layout
  • Bangalore - J P Nagar
  • Bangalore - Electronic City
  • Bangalore - Whitefield
  • Bangalore - Mahalakshmipuram
  • Bangalore - Peenya Industrial Estate
  • Bangalore - Ramamurthy Nagar
  • Bangalore - Shivajinagar