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Features of the PNB Visa Classic Credit Card

  • Global Acceptance for Seamless Transactions: The PNB Visa Classic Credit Card is designed for universal usability, accepted at over 29 million merchant outlets and 1 million ATMs worldwide displaying the Visa logo. Whether you're shopping at a local store in India or dining abroad, this card ensures hassle-free payments. Its global reach makes it an ideal choice for frequent travelers or those who shop online from international retailers, providing flexibility across borders.
  • Interest-Free Credit Period: Cardholders can enjoy an interest-free credit period ranging from 20 to 50 days, provided all outstanding dues are cleared by the payment due date. This feature allows you to make purchases without incurring immediate interest charges, offering financial flexibility for managing monthly expenses like utility bills, travel bookings, or retail purchases.
  • Revolving Credit Facility: The PNB Visa Classic Credit Card offers a revolving credit facility, enabling cardholders to pay a minimum amount due instead of the full balance. The remaining balance is carried forward to the next billing cycle, with applicable interest. This feature is particularly useful for managing large purchases or unexpected expenses, giving you the option to spread payments over time.
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    • Balance Transfer Option: This card supports a balance transfer facility, allowing you to consolidate outstanding balances from other credit cards onto the PNB Visa Classic Credit Card. By transferring balances, you can benefit from lower interest rates, simplifying debt management and potentially reducing overall interest costs. This feature is ideal for those looking to streamline their credit card repayments.
    • Cash Advance Facility: The PNB Visa Classic Credit Card allows cash withdrawals from ATMs displaying the Visa logo, both in India and abroad. Cardholders can access up to 30% of their credit limit as a cash advance, providing a convenient solution for emergency cash needs. However, cash advances typically incur a fee and higher interest rates, so this feature should be used judiciously.
    • Contactless Payment Technology: Equipped with Visa PayWave technology, the PNB Visa Classic Credit Card enables contactless payments for transactions up to ₹5,000. By simply tapping the card at compatible POS terminals, you can complete payments without entering a PIN, enhancing convenience and speed for small-value transactions like groceries or public transport.
    • Add-On Cards for Family Members: The card allows up to two add-on cards for family members above 18 years, such as a spouse, parents, or children. These add-on cards share the primary cardholder’s credit limit and offer the same features, making it easier to manage family expenses while tracking all transactions under one account.
    • EMI Conversion for High-Value Purchases: High-value purchases above ₹2,500 can be converted into affordable Equated Monthly Installments (EMIs) within 10 days of the transaction. This feature allows cardholders to spread the cost of expensive items like electronics or furniture over several months, making budgeting easier without straining finances.
    • Secure Online Transactions: The PNB Visa Classic Credit Card incorporates advanced security features like Two-Factor Authentication (2FA) and One-Time Passwords (OTPs) for online transactions. These measures protect against unauthorized access, ensuring safe e-commerce purchases on platforms like Amazon or Flipkart.
    • 24/7 Customer Support: PNB provides round-the-clock customer support for the Visa Classic Credit Card through its toll-free helpline (1800 180 2345) and email (creditcardpnb@pnb.co.in). Cardholders can seek assistance for queries related to credit limits, transactions, reward points, or lost card reporting, ensuring constant support.
    • Electronic Statement of Account (eSOA): The card offers an electronic statement of account, accessible via the PNB Digital App or email. This feature allows you to monitor transactions, check balances, and track spending conveniently, reducing the reliance on paper statements and promoting eco-friendly banking.
    • Customizable Credit Limits: The credit limit for the PNB Visa Classic Credit Card ranges from ₹25,000 to ₹5,00,000, depending on the cardholder’s income, credit profile, and banking relationship with PNB. This flexibility ensures the card caters to a wide range of financial needs, from entry-level users to those with higher spending capacity.
    • Fraud Protection: In case of a lost or stolen card, PNB limits the cardholder’s liability for unauthorized transactions once the loss is reported promptly via the customer care helpline. This feature provides peace of mind, ensuring financial security in unfortunate circumstances.
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Benefits of the PNB Visa Classic Credit Card

  • Low Annual Fees:
    • Affordable Usage: The PNB Visa Classic Credit Card comes with a low annual fee, often waived for the first year or upon meeting specific spending thresholds.
    • Ideal for Beginners: This affordability makes it an excellent choice for first-time credit card users or those seeking a cost-effective card for everyday expenses.
  • Reward Points Program:
    • Earn as You Spend: Cardholders earn 1 reward point for every ₹100 spent on retail transactions.
    • Flexible Redemptions: Points can be redeemed for exciting offers from PNB’s rewards catalog, including gift vouchers and merchandise, adding value to your spending.
    • Discounts at Partner Outlets: Cardholders can enjoy discounts of 10–25% on food and beverages at Sarovar Hotels and 10% off on purchases at Kairali Ayurvedic Group outlets.
    • Travel Insurance Coverage: The PNB Visa Classic Credit Card includes complimentary travel insurance, covering up to ₹1 million for roundtrip travel tickets charged to the card.
    • Purchase Protection: Purchases made with the card are covered against accidental damage or theft for up to 90 days, with an annual coverage limit of ₹2,50,000.
    • Utility Bill Payment Convenience: The card supports seamless payment of utility bills, such as electricity, mobile, or gas bills, through the Visa Bill Pay service.
    • Zero Liability on Lost Card: Once a lost or stolen card is reported to PNB’s customer care, the cardholder is protected from financial liability for unauthorized transactions.
    • Flexible Repayment Options: The revolving credit facility allows cardholders to pay only the minimum amount due, with the flexibility to clear the remaining balance later.
    • Exclusive Offers on Entertainment: The card offers a 20% discount on ZEE5 subscriptions, making it a great choice for entertainment enthusiasts.
    • Emergency Assistance Services: Cardholders have access to emergency services, including medical support, travel arrangements, and roadside assistance.
    • No Reward Redemption Fee: Unlike some credit cards, PNB does not charge a fee for redeeming reward points. This benefit maximizes the value of your earned points, allowing you to redeem them for gifts.
    • Support for Digital Banking: The PNB Visa Classic Credit Card integrates seamlessly with the PNB Digital App, enabling you to manage your card, track transactions, and make payments on the go.
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How to Apply for the PNB Visa Classic Credit Card

  • Check Eligibility:
    • Primary cardholder must be between 21 and 65 years of age.
    • Add-on cardholders must be at least 18 years old.
    • Minimum annual income of ₹2.5 lakhs is required.
    • Must have passed at least Class 10.
    • Preferably maintain a banking relationship with PNB for at least 6 months with a good credit record.
  • Required Documents:
    • Identity Proof: Voter ID, Passport, PAN Card, Driving License, or letter from a recognized authority.
    • Address Proof: Utility bills (not older than 3 months), Aadhaar Card, etc.
    • Income Proof: ITR, Form 16, or Salary Certificate.
    • PAN Card: Self-attested PAN or Form 60/61.
  • Offline Application Process:
    • Visit the nearest PNB branch and request the credit card application form.
    • Fill in accurate personal, contact, and financial information.
    • Submit photocopies of all required documents for verification.
    • Verification process may take 1–3 weeks.
    • Upon approval, the card will be delivered within 7–10 working days.
  • Online Application Process:
    • Visit the official PNB website: www.pnbindia.in.
    • Go to the credit card section and select “PNB Visa Classic.”
    • Click “Apply Now” and fill in all required personal and income details.
    • Upload scanned copies of documents (PDF/JPEG format).
    • Submit the application and receive a confirmation via email or SMS.
  • Track Application Status:
    • Use the PNB Digital App or contact customer care at 8885545255.
    • Status updates are provided via SMS and email.
  • Activate Your Credit Card:
    • PNB Digital App: Log in, choose the credit card section, and follow the activation steps.
    • Customer Care: Call 8885545255 for assistance.
  • Tips for a Successful Application:
    • Maintain a CIBIL score of 750+ to improve approval chances.
    • Double-check application details for accuracy and completeness.
    • Ensure that your income meets the minimum threshold.
  • Post-Application Support:
    • Contact customer care at 8885545255 .
    • Have your application reference number ready for faster resolution.
    • Track status regularly through the PNB Digital App.

Eligibility Criteria for the PNB Visa Classic Credit Card

  • Age Requirements:
    • Primary Cardholder: Must be between 21 and 65 years of age.
    • Add-on Cardholder: Minimum age of 18 years for spouse, parents, or children.
    • FD-Based Card: Minimum age for both primary and add-on cardholders is 18 years.
  • Income Requirements:
    • Minimum annual income of ₹2.5 lakhs is required for both salaried and self-employed applicants.
    • Regular and stable income is essential for approval.
  • Nationality and Residency:
    • Available primarily to Indian residents.
    • NRIs may apply if residing in cities where PNB provides services.
    • Proof of residency must be submitted.
  • Educational Qualification:
    • Minimum educational requirement is a Class 10 pass certificate.
    • Ensures applicants can understand terms and conditions.
  • Existing Relationship with PNB:
    • Applicants with savings or current accounts in PNB for at least 6 months have higher approval chances.
    • A good transaction history enhances eligibility.
  • Credit History:
    • Preferred credit score is 750 or above.
    • No defaults or missed payments improve chances.
    • Applicants with no credit history may face additional scrutiny.
  • Employment Status:
    • Salaried: Should have at least 1 year of continuous employment.
    • Self-Employed: Must provide proof of 2 years of business continuity.
  • Location-Based Eligibility:
    • Applicants must reside in a city where PNB operates.
    • Applications from non-serviceable areas may be declined.
  • Credit Usage and Debt Profile:
    • Low credit utilization ratio is favorable.
    • Existing EMIs or high debt may reduce eligibility.
  • KYC Compliance:
    • Must provide valid ID and address proof (e.g., Aadhaar, PAN, Voter ID).
    • Incomplete or mismatched documents will lead to rejection.
  • Tips to Improve Approval Chances:
    • Maintain a strong credit score (preferably 750+).
    • Ensure consistent income and employment history.
    • Reduce outstanding debt and avoid multiple credit applications.
    • Open and maintain a savings account with PNB.
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Documents Required for the PNB Visa Classic Credit Card

  • Overview:
    • Applicants must submit valid documents for identity, income, and address verification.
    • Requirements differ slightly for salaried, self-employed, and add-on card applicants.
  • Identification Documents:
    • Primary Applicants:
      • PAN Card: Mandatory for all applicants to comply with financial regulations.
      • Aadhaar Card
      • Voter ID, Passport, or Driving License
      • Letter from a recognized authority verifying the applicant’s identity
    • Add-On Cardholders:
      • Aadhaar Card, Passport, or other government-issued photo ID
      • Proof of relationship (e.g., birth/marriage certificate)
      • Minimum age: 18 years
  • Proof of Address:
    • Aadhaar Card (if not already used as ID proof)
    • Passport or Driving License
    • Utility Bills (electricity, water, telephone – not older than 3 months)
    • Bank Statement (last 3 months)
    • Rental Agreement
    • Letter from a public authority or employer verifying address
  • Proof of Income:
    • Salaried Individuals:
      • Last 3 months’ salary slips
      • Form 16 or latest ITR
      • Last 6 months’ bank statements showing salary credits
    • Self-Employed Individuals:
      • Last 2 years' ITRs
      • CA-certified balance sheet and profit & loss statement
      • Business registration proof (e.g., GST certificate, shop license)
  • Application Form:
    • Fully filled and signed PNB Visa Classic Credit Card application form
    • Available on the PNB website or at branch offices
  • Photograph:
    • Recent passport-sized photographs (2–3 copies)
    • Required for both primary and add-on applicants
  • Submission Guidelines:
    • Online:
      • Upload scanned copies in PDF or JPEG format via the PNB website
      • Ensure clarity and file size compliance
    • Offline:
      • Submit self-attested photocopies at the nearest PNB branch
      • Originals must be shown for verification if requested
  • Tips for Smooth Processing:
    • Ensure all documents are valid and consistent (name, date of birth, address)
    • Use recent proofs (within last 3 months)
    • Label scanned files clearly (e.g., SalarySlip_Mar2025.pdf)

Factors Influencing the PNB Visa Classic Credit Card Application

  • Credit Score:
    • A score of 750+ improves approval chances.
    • PNB reviews your CIBIL report to evaluate repayment history.
    • Defaults or late payments can lead to rejection.
  • Income Stability:
    • Minimum annual income of ₹2.5 lakhs is typically required.
    • Salaried individuals should show consistent salary credits.
    • Self-employed professionals must provide documented business income.
  • Credit History:
    • A strong repayment track record boosts approval chances.
    • No credit history or past defaults can reduce eligibility.
  • Employment Status:
    • Salaried applicants should have at least 1 year of continuous employment.
    • Self-employed applicants should show 2 years of business continuity.
  • Age Criteria:
    • Primary cardholders: 21 to 65 years.
    • Add-on/FD-based cards: 18+ years.
  • Residential Location:
    • Applicants must reside in cities where PNB offers credit card services.
    • Applications from non-serviceable areas may be rejected.
  • Banking Relationship with PNB:
    • Having a PNB account for 6+ months with good transaction history is beneficial.
  • Credit Inquiries:
    • Multiple hard inquiries in a short period can reduce your credit score.
    • Apply selectively and avoid simultaneous applications across banks.
  • Educational Qualification:
    • Minimum qualification: Class 10 pass.
    • Relevant documents must be submitted as proof.
  • Tips to Improve Eligibility:
    • Maintain a high credit score and clear existing dues.
    • Stabilize income flow and avoid frequent job changes.
    • Apply only if you meet PNB’s location and income criteria.
    • Establish a banking relationship with PNB before applying.
  • Existing Credit Card Usage:
    • Low credit utilization (under 30%) is preferred.
    • Frequent maxing out of limits can harm eligibility.
  • Outstanding Liabilities:
    • High existing EMIs or loans may reduce your repayment capacity.
    • Low debt-to-income ratio enhances approval chances.
  • Document Accuracy:
    • Mismatch in documents can delay or reject the application.
    • Ensure name, address, and ID numbers are consistent across proofs.
  • KYC Compliance:
    • Incomplete or outdated KYC may lead to automatic disqualification.
    • Ensure documents meet RBI’s current KYC norms.
  • Type of Income Source:
    • Applicants with predictable, stable income are preferred.
    • Freelancers or gig workers may need to submit extra documentation.

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

1. What is the PNB Visa Classic Credit Card?
It is a basic credit card offered by Punjab National Bank (PNB) in collaboration with Visa, providing features like cash withdrawals, shopping, dining discounts, and travel benefits.
2. What are the eligibility criteria for this card?
Indian residents aged 18–65 years with a minimum income as per PNB’s policy and a good credit score (usually 650+) are eligible.
3. What is the credit limit on the PNB Visa Classic Credit Card?
The limit is based on the applicant’s income, credit history, and internal assessment by PNB, typically ranging from ₹20,000 to over ₹1,00,000.
4. What are the fees and charges?
Joining Fee: ₹500–₹1,000 (may be waived in offers).
Annual Fee: Around ₹500–₹1,000 (waivable on spending milestones).
Interest Rate: ~3.25% monthly (39% p.a.).
Cash Advance Fee: 2.5%–3% of the withdrawn amount.
5. Are there any rewards or cashback offers?
Yes, you earn reward points (e.g., 1 point per ₹100 spent), redeemable for gifts, vouchers, or discounts. Some transactions may offer exclusive cashback.
6. Does the card offer fuel surcharge waivers?
Yes, it typically provides a 1% fuel surcharge waiver on eligible fuel transactions, usually applicable for spends between ₹400–₹5,000.
7. What are the EMI options available?
Large purchases can be converted into EMIs for 3–24 months at applicable interest rates via PNB’s EMI facility.
8. How can I pay my PNB credit card bill?
You can pay using:
- PNB Internet Banking or Mobile App
- NEFT/RTGS
- Auto-debit facility
- Payment apps like Paytm or Google Pay
9. Is there a grace period for repayments?
Yes, there is an interest-free grace period of 20–25 days from the billing date, provided the total due amount is paid by the due date.
10. How to report a lost or stolen card?
Call PNB’s 24/7 helpline at 8885545255 or block the card via internet banking to prevent misuse.

List of PNB Visa Classic Credit Card Branches in Hyderabad

  • Hyderabad - Charminar
  • Hyderabad - Banjara Hills
  • Hyderabad - Somajiguda
  • Hyderabad - Kukatpally
  • Hyderabad - Secunderabad
  • Hyderabad - Himayat Nagar
  • Hyderabad - Dilsukhnagar
  • Hyderabad - Ameerpet
  • Hyderabad - Begumpet
  • Hyderabad - Jubilee Hills
  • Hyderabad - Mehdipatnam
  • Hyderabad - Chikkadpally
  • Hyderabad - Malkajgiri
  • Hyderabad - Uppal
  • Hyderabad - Gachibowli
  • Hyderabad - Madhapur
  • Hyderabad - Sainikpuri
  • Hyderabad - Koti
  • Hyderabad - Nampally