PNB Visa Signature Credit Card

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Features of the PNB Visa Signature Credit Card

Premium Credit Limit Structure: The PNB Visa Signature Credit Card offers a robust credit limit tailored to the cardholder’s financial profile. For regular cardholders, the credit limit ranges from a minimum of Rs. 1,25,000 to a maximum of Rs. 15,00,000, depending on income, creditworthiness, and repayment history. For those opting for a secured card against a Fixed Deposit (FD), the credit limit is set at up to 80% of the FD amount, with a minimum FD requirement of Rs. 1,60,000. This dual structure ensures flexibility for both high-net-worth individuals and those preferring secured credit options. The credit limit is periodically reviewed based on the cardholder’s spending patterns and repayment behavior. PNB may offer pre-approved credit limit increases for existing cardholders with a consistent track record, enhancing purchasing power for lifestyle expenses, travel, or large purchases. This feature makes the card suitable for individuals with diverse financial needs, from everyday spending to significant investments.
Global Acceptance and Visa PayWave Technology: The card is powered by Visa, ensuring worldwide acceptance at over 29 million merchant outlets and 1 million ATMs globally. This global reach makes it an ideal companion for international travelers, allowing seamless transactions for shopping, dining, and travel bookings. Additionally, the card incorporates Visa PayWave technology, enabling contactless payments for transactions up to Rs. 5,000. Cardholders can simply tap the card at compatible Point of Sale (POS) terminals, eliminating the need to swipe or enter a PIN for small transactions, thus enhancing convenience and transaction speed.

- Reward Points Program: The PNB Visa Signature Credit Card offers a rewarding points system to enhance the value of every transaction. Cardholders earn 2 reward points for every Rs. 150 spent on retail transactions, which can be redeemed for a variety of exciting offers, including gift vouchers, merchandise, or air miles through partner programs. For example, reward points can be converted into Jet Airways JP Miles at a ratio of 1 JP Mile for every 2 reward points, making it attractive for frequent travelers. The rewards program is designed to incentivize regular usage, with no cap on the points earned, provided the card remains active and in good standing. Points accumulated do not expire as long as the card is active, allowing cardholders to save for significant redemptions over time. This feature adds a layer of value, making everyday spending more rewarding.
- Interest-Free Credit Period: One of the standout features of the PNB Visa Signature Credit Card is its interest-free credit period, which ranges from 20 to 50 days. This period applies to retail purchases, provided the cardholder clears the previous month’s outstanding dues in full by the due date. This feature allows cardholders to manage cash flow effectively, using the card for purchases without incurring immediate interest charges. However, cash withdrawals do not qualify for this interest-free period, and a cash advance fee of 2% (minimum Rs. 150) applies, along with applicable interest rates. This feature is particularly beneficial for disciplined cardholders who pay their bills on time, as it provides a cost-effective way to access credit for short-term needs without additional costs.
- Comprehensive Insurance Coverage: The card offers complimentary domestic lounge access, enhancing the travel experience for cardholders. This feature allows access to select airport lounges across India, providing a comfortable space to relax, work, or enjoy refreshments before flights. The number of complimentary visits is typically limited per quarter, subject to PNB’s terms, but it adds significant value for frequent travelers. Lounge access is particularly appealing for business travelers or those who value comfort during layovers. The cardholder can enjoy amenities such as Wi-Fi, complimentary snacks, and a serene environment, making travel more enjoyable and productive.
- 24/7 Concierge Services: The PNB Visa Signature Credit Card includes 24/7 concierge services, a hallmark of premium credit cards. Cardholders can access assistance for a wide range of needs, including flight bookings, hotel reservations, restaurant recommendations, and event ticket arrangements. The concierge service also extends to emergency support, such as medical assistance, roadside assistance, and travel arrangements for patients, ensuring cardholders have support in critical situations. This feature caters to affluent customers who value personalized services, saving time and effort in planning travel or managing lifestyle needs. The concierge is accessible via a dedicated toll-free number or email, ensuring round-the-clock availability.
- Merchant Offers and Discounts: PNB partners with various merchants to offer exclusive discounts and deals to Visa Signature cardholders. These offers span categories such as dining, shopping, travel, and entertainment. For instance, cardholders can enjoy up to 50% off on movie tickets and food combos through BookMyShow, with a monthly cap on discounts. Additionally, discounts ranging from 10% to 25% are available at select Sarovar Hotels and Resorts for dining and accommodation, and a 10% discount on MRP is offered at Kairali Ayurvedic Group outlets. These merchant partnerships are regularly updated to provide fresh and relevant offers, ensuring cardholders can maximize savings on their preferred activities. The diversity of offers makes the card versatile for various lifestyle preferences.
- Add-On Cards for Family Members: The card allows primary cardholders to 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, allowing family members to enjoy the card’s benefits without needing a separate application. Importantly, PNB does not charge an add-on card fee for the Visa Signature Credit Card, making it a cost-effective way to extend benefits to loved ones. The primary cardholder retains control over transactions made with add-on cards, receiving consolidated statements for easy monitoring. This feature is ideal for families looking to streamline their financial management while enjoying shared rewards and privileges.
- Security and Fraud Protection: Security is a priority with the PNB Visa Signature Credit Card. The card features an embedded microchip to protect against skimming and cloning, and the Visa IVR 3D Secure system provides an additional layer of security for online transactions through One-Time Passwords (OTPs). In case of card loss or theft, PNB offers lost card liability protection, limiting the cardholder’s liability for fraudulent transactions reported promptly to the 24/7 customer care helpline. Cardholders are encouraged to report losses immediately and file a police report to ensure maximum protection. This feature provides peace of mind, particularly for frequent travelers or those using the card for high-value transactions.
- Flexible Repayment Options: The card offers flexible repayment options, including a revolving credit facility. Cardholders can choose to pay the minimum amount due (typically 5% of the outstanding balance) and carry forward the remaining balance to the next billing cycle, subject to applicable interest rates. Additionally, the card supports balance transfer facilities, allowing cardholders to consolidate outstanding balances from other credit cards at lower interest rates. For high-value purchases (above Rs. 2,500), cardholders can convert transactions into Equated Monthly Installments (EMIs), making it easier to manage large expenses over time. This flexibility ensures the card caters to both short-term and long-term financial needs.
- Fuel Surcharge Waiver: The PNB Visa Signature Credit Card offers a 1% fuel surcharge waiver for transactions between Rs. 500 and Rs. 4,000, with a maximum waiver of Rs. 350 per month. This feature is particularly beneficial for cardholders who frequently use their vehicles, as it reduces the cost of fuel purchases at participating fuel stations across India. The waiver is automatically applied at the point of sale, provided the transaction meets the specified criteria, making it a hassle-free benefit for daily commuters and travelers.
- Comprehensive Insurance Benefits: While specific insurance benefits may vary, the PNB Visa Signature Credit Card often includes bundled insurance features, such as travel insurance for trip cancellations, lost baggage, or medical emergencies. These benefits are subject to terms and conditions and may require activation or specific usage patterns. Cardholders are advised to review the insurance offerings at the time of card issuance to understand the coverage scope and limitations. This feature enhances the card’s appeal for travelers, providing an additional layer of financial security during domestic and international trips.

Benefits of the PNB Visa Signature Credit Card

Enhanced Lifestyle Privileges: The card elevates your lifestyle with exclusive perks such as complimentary domestic lounge access, offering a comfortable and luxurious airport experience. The 24/7 concierge service provides personalized assistance for travel planning, dining reservations, and event bookings, catering to customers who appreciate convenience and exclusivity.
Additionally, cardholders enjoy merchant offers like 10-25% discounts on dining at Sarovar Hotels and 10% off wellness treatments at Kairali Ayurvedic Group. Entertainment benefits include BookMyShow offers of up to 50% off on movie tickets and food combos, making the card ideal for leisure activities.
Cost Savings Through Rewards and Discounts: Earn 2 reward points for every Rs. 150 spent on retail transactions, which can be redeemed for gift vouchers, merchandise, or air miles. Frequent flyers can convert points into Jet Airways JP Miles to reduce travel costs.

- Financial Flexibility and Credit Management: Interest-free credit period of 20-50 days for purchases, revolving credit, balance transfer facility at lower interest, and EMI options above Rs. 2,500 for budgeting ease.
- Global Convenience and Accessibility: Accepted at 29 million merchant outlets and 1 million Visa ATMs worldwide, with Visa PayWave contactless payments for small transactions, supported by robust security features.
- Travel and Emergency Support: Complimentary lounge access, 24/7 concierge services for travel bookings and emergency assistance, with potential travel insurance coverage.
- Family-Oriented Benefits: Up to two add-on cards free for family members 18+, shared rewards, and consolidated billing for easy management.
- Security and Peace of Mind: Embedded microchip, Visa IVR 3D Secure protection, lost card liability protection, and 24/7 customer care helpline.
- Tailored for Affluent Customers: Designed for high-income earners (min Rs. 7.5 lakh/year), offering premium features and high credit limits.
- Support for Diverse Spending Needs: Covers shopping, dining, travel, fuel, utilities, with Visa Bill Pay convenience and a rewarding loyalty program.
- Annual Fee Waiver Opportunity: Rs. 500 annual fee (Rs. 1,500 joining fee) waived if spending exceeds Rs. 3 lakh annually.

How to Apply for the PNB Visa Signature Credit Card

Choose Your Preferred Application Method:
- Apply online via the PNB Credit Card portal or Net Banking.
- Visit the nearest PNB branch for offline application.
- Use assisted services like PNB SARAL or apply through pre-qualified offers if eligible.
Offline Application Process:
- Locate the nearest PNB branch using the branch locator.
- Visit during business hours (typically 10 AM to 4 PM).
- Request the Visa Signature Credit Card application form or download it in advance from the website.
- Fill out the form with personal, employment, and financial information.
- Submit the completed form with self-attested copies of KYC and income documents.
- Get your application verified by the branch staff and collect the reference number.
Online Application Process:
- Visit the official PNB website and navigate to the Credit Cards section.
- Select the Visa Signature Credit Card and click on “Apply Now.”
- Log in using your Net Banking credentials if you're an existing customer.
- Fill in accurate personal, employment, and income details.
- Upload scanned copies of documents (PAN, Aadhaar, salary slips, etc.).
- Verify using OTP sent to your registered mobile number.
- Submit the application and note down the reference number for tracking.
Apply via Pre-Qualified Credit Card (PQCC):
- Eligible existing customers may receive a pre-approved offer via SMS, email, or Net Banking.
- If eligible, apply with minimal documentation directly through the portal or PNB One app.
- Faster approval and dispatch is possible under this method.
Track Your Application:
- Use the application reference number to check the status on the PNB website or call customer care.
Receive and Activate the Card:
- Once approved, the card will be dispatched to your registered address within 7–14 working days.
- Activation Methods:
  - Activate through the PNB mobile app or net banking portal.
  - Generate or change PIN via ATM or online services.
Tips for a Successful Application:
- Ensure all form fields are correctly filled and documents are valid and legible.
- Maintain a CIBIL score above 700 (preferably 750+) to increase approval chances.
- Use your existing relationship with PNB to get pre-approved offers or faster processing.
Common Challenges and Solutions:
- Low Credit Score: Repay existing debts, avoid recent defaults, and wait before reapplying.
- Document Issues: Ensure clarity in scanned copies and that all proofs are up to date.
- Technical Errors: Retry the online portal at a later time or switch to branch-based application.
- Income Discrepancies: Provide latest salary slips, IT returns, or bank statements for validation.

Eligibility Criteria for the PNB Visa Signature Credit Card

Age Requirements:
- Primary Cardholder: Must be between 21 and 65 years of age.
- Add-On Cardholder: Minimum age is 18 years; no upper limit specified.
- Secured Card Option: Minimum age relaxed to 18 years for FD-backed cards.
Income Requirements:
- Minimum annual income of ₹7.5 lakh for salaried or self-employed applicants (unsecured card).
- No income requirement for secured cards; credit limit based on FD (minimum ₹1,60,000).
- Applicants must demonstrate a stable and verifiable source of income.
Educational Qualification:
- Minimum qualification of Class 10 (10th pass) is required.
- Ensures applicants possess financial literacy to manage credit responsibly.
Credit Score and History:
- CIBIL score of 700+ is preferred; 750+ increases approval chances.
- Applicants with clean repayment history and low credit utilization are favored.
- Secured card applicants face relaxed credit score requirements.
Banking Relationship with PNB:
- Preferred for applicants with 6+ months relationship via savings, FDs, or loans.
- Eligible for PQCC (Pre-Qualified Credit Card) offers for simplified approval.
- New customers must submit SOA (Statement of Account) for last 6 months.
Nationality and Residency:
- Applicants must be Indian residents living within city limits of a PNB branch.
- NRIs may apply if maintaining NRI accounts; should confirm with the bank.
Employment Status:
- Salaried: Must provide salary slips or certificate.
- Self-Employed/Professionals: Must submit ITR or business income proof.
- Retired Government Employees: Can submit pension slips/bank statements.
Add-On Card Eligibility:
- Add-on cardholders must be 18 years or older and related to the primary cardholder.
- No separate income or credit score requirement for add-on holders.
Secured vs. Unsecured Card Options:
- Unsecured Card: Requires high income and good credit score.
- Secured Card: Requires FD with PNB; credit limit is 80% of FD amount.
- Ideal for low-income or no-credit-history applicants.
Factors Influencing Approval:
- Credit Utilization Ratio: Should be below 30% for better chances.
- Debt-to-Income Ratio: A lower ratio reflects strong repayment ability.
- Credit History: Past defaults or frequent inquiries can lead to rejection.
Tips to Improve Eligibility:
Review and correct credit report errors before applying.
Clear any outstanding dues to lower credit utilization.
Submit complete and verifiable documents.
Avoid applying for multiple credit cards at once to prevent hard inquiry flags.
Common Reasons for Rejection:
Low credit score or poor repayment history.
Insufficient income for unsecured variant.
Inconsistent documentation or unverifiable address.
Multiple recent loan or card applications affecting credit score.

Documents Required for the PNB Visa Signature Credit Card

Identity Proof:
- PAN Card: A self-attested copy is mandatory. If unavailable, submit Form 60/61 with a photo ID.
- Aadhaar Card: Submit a copy with the first eight digits masked for security.
- Passport: Serves as both identity and address proof.
- Voter’s ID: Issued by the Election Commission of India.
- Driving License: Must be valid and include a photo.
- Identity Card: Issued by a recognized public authority or employer.
- Letter from Public Servant: Must be from a PNB-approved authority.
Address Proof:
- Aadhaar Card: Must be self-attested and partially masked.
- Passport: Dual-purpose document for identity and address.
- Voter’s ID
- Driving License with current address
- Utility Bills: Electricity, gas, or phone bills (not older than 3 months)
- Bank Statement: Must include current address
- Rental Agreement: Must be registered
- Letter from Public Authority: Confirming residential address
Income Proof:
- Salaried:
  - Last 3 months’ salary slips
  - Form 16
  - Salary Certificate
  - Bank statement showing salary credits (last 6 months)
- Self-Employed/Professionals:
  - ITRs for the last 2 years (acknowledged by IT Department)
  - Bank statement showing business income
- Pensioners:
  - Recent pension slips
  - Bank statement showing pension credits
Additional Documents for Secured Cards:
- FD Receipt from PNB specifying amount and tenure
- FD Account Statement
- FD Lien Letter: Authorizing lien for the credit card
Documents for Add-On Cardholders:
- Identity Proof: PAN, Aadhaar, Passport, or Voter’s ID
- Relationship Proof: Marriage/Birth certificate
- Recent Passport-sized Photograph
Photograph Requirements:
- 2–3 recent passport-sized photos
- Plain background, clear, 35mm x 45mm
Application Form:
- Personal details: Name, DOB, address, contact
- Employment and income details
- Preferred card type: Regular or Secured
- Add-on cardholder information (if applicable)
- Declaration of accuracy and credit consent
KYC Compliance:
- Identity and Address Proof documents are mandatory
- For new customers, last 6-month SOA from another bank may be required
- KYC details must match application information
Tips for Document Preparation:
- Self-attest all documents unless submitting in person
- Ensure clarity and legibility of copies
- Verify that names, addresses, and other info match
- Scan documents in PDF or JPEG for online uploads
- Have additional documents ready if requested
Submission Guidelines:
- Offline: Submit documents at a PNB branch with the application form
- Online: Upload scanned copies via the PNB website or net banking portal
- Retain copies and confirm receipt with the bank

Factors Affecting Eligibility for the PNB Visa Signature Credit Card

Credit Score and History:
- An ideal credit score of 750 or above improves approval chances.
- Late payments, defaults, or excessive loan/credit card inquiries may reduce eligibility.
- Secured card applicants (against FD) have more relaxed score requirements.
Income Stability and Amount:
- Minimum annual income of ₹7.5 lakhs is generally expected.
- Salaried applicants must provide consistent salary slips or bank credits.
- Self-employed applicants need ITRs and stable earnings proof over 2 years.
Debt-to-Income Ratio (DTI):
- DTI should ideally be under 40% to ensure repayment capacity.
- High EMI burdens or maxed-out cards may lead to rejection.
Employment and Professional Status:
- Salaried individuals should have 6–12 months tenure with current employer.
- Self-employed professionals need stable business operations for 2+ years.
- Frequent job changes or contract-based roles may need additional verification.
Banking Relationship with PNB:
- Existing PNB account holders with 6+ months history benefit from PQCC programs.
- Regular transactions, no bounced cheques, and maintained balances improve credibility.
Credit Utilization Ratio:
- Maintain CUR below 30% to show responsible credit use.
- Paying off credit cards before applying helps approval.
Number of Credit Inquiries:
- Limit recent hard inquiries to avoid reducing your credit score.
- Spacing out applications (at least 6 months) is advisable.
Age and Residency:
- Applicants must be between 21 and 65 years for primary card eligibility.
- Applicants must be Indian residents with updated KYC documents.
Documentation Accuracy:
- Provide accurate ID, address, PAN, and income documents.
- Mismatches or outdated info can delay processing or cause rejection.
Choice Between Secured and Unsecured Cards:
- Secured cards (against FD) are ideal for low credit or income applicants.
- Unsecured cards offer higher limits but require stronger financials.
Recent Loan or Credit Activity:
- Recent large loans or credit approvals may reduce disposable income.
- Over-leverage can negatively affect creditworthiness.
Property and Residential Stability:
- Owned property and long-term residence indicate stability.
- Applicants living at the same address for 12+ months are viewed favorably.
Tips to Enhance Approval Chances:
- Check and fix your credit report before applying.
- Lower DTI and CUR, especially before application submission.
- Submit complete, verifiable documents and use your PNB relationship, if any.
Common Reasons for Rejection:
- Poor credit history or score below 700 for unsecured card.
- High outstanding loans, unstable income, or incomplete documents.
Digital Footprint and Online Application Behavior:
- Applying from verified and consistent digital identities (email, phone) improves trust.
- Applications with mismatched IP, inconsistent data, or suspicious patterns may face delays.
- Use the official PNB portal or secure online platforms for better tracking and processing.
Existing Credit Card Management:
- Positive payment history on current credit cards improves credibility.
- Low utilization and timely payments on other cards are viewed favorably.
- Frequent limit enhancement approvals are a positive signal to issuers.
Supplementary Income or Assets:
- Rental income, interest from FDs, or investments can supplement primary income.
- Assets like owned property or gold may be considered for risk profiling.

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

1. What is the PNB Visa Signature Credit Card?

The PNB Visa Signature Credit Card is a premium credit card offered by the Philippine National Bank (PNB) designed for affluent individuals. It offers exclusive lifestyle privileges, travel perks, and rewards tailored for high-spending cardholders.

2. What are the key benefits of the PNB Visa Signature Credit Card?

Key benefits include:
- Complimentary travel insurance coverage
- Access to airport lounges via LoungeKey
- Higher credit limit
- Exclusive merchant offers and Visa Signature privileges
- Earn rewards points on every spend

3. How do I apply for the PNB Visa Signature Credit Card?

You can apply online through the PNB website or by visiting the nearest PNB branch. You'll need to submit documents like valid ID, proof of income, and bank statements. Approval is subject to credit evaluation.

4. What is the minimum income requirement for this card?

The minimum gross annual income requirement is usually ₱1,200,000, but this may vary depending on PNB’s current credit policies.

5. How much is the annual fee for the PNB Visa Signature Credit Card?

The annual fee is approximately ₱3,000 for the principal cardholder, although PNB may offer waived annual fees for the first year as part of promotions.

6. Does the card offer rewards points? How do they work?

Yes, you earn rewards points every time you use your card. Typically, you earn 1 point for every ₱30-₱50 spent. Points can be redeemed for shopping vouchers, travel deals, or bill rebates through the PNB Rewards Catalog.

7. Is there travel insurance included with the card?

Yes, cardholders are entitled to complimentary travel insurance when they charge their full fare (airline or tour package) to their PNB Visa Signature Card. Coverage includes travel accident, baggage loss, and more.

8. What kind of airport lounge access does it provide?

Cardholders get access to airport lounges through the LoungeKey program. Access is available at over 1,000 lounges globally, with the number of free visits depending on the card’s usage or terms at the time.

9. Are there foreign transaction fees?

Yes, a foreign currency transaction fee is typically charged at around 2.5% to 3.5% of the converted transaction amount when using the card abroad or for international online purchases.

10. Can I convert large purchases into installments?

Yes, PNB offers a "0% Installment Plan" and other flexible installment programs where you can pay for big-ticket purchases in 3, 6, 12, or even up to 24 months with low interest.

11. How can I check my available credit limit and outstanding balance?

You can check your balance through:
- The PNB Digital App
- Online banking
- Customer service hotline
- SMS banking (if enrolled)

12. What should I do if my card is lost or stolen?

Immediately report the loss to PNB’s 24/7 Customer Service Hotline. Your card will be blocked to prevent fraudulent transactions, and a replacement will be issued upon verification.

13. Does the card come with contactless payment support?

Yes, the PNB Visa Signature Credit Card supports contactless payments. Simply tap your card on enabled terminals for transactions under the local tap limit—no PIN required.

14. Are supplementary cards available?

Yes, you can request supplementary cards for family members. You may also set spending limits for each supplementary card for better financial control.

15. How do I redeem my rewards points?

You can redeem points through the PNB Rewards Redemption Portal online or by calling customer service. Rewards include gift certificates, merchandise, airline miles, and bill rebates.

List of PNB Visa Signature Credit Card Branches in Andhra Pradesh

Andhra Pradesh - Tirupati
Chittoor - Madanapalle
Kurnool - Park Road
Kurnool - Bellary Road
Kurnool - Nandikotkur

Andhra Pradesh - Kurnool
Anantapur - Gooty Road
Anantapur - Hindupur
Anantapur - Tadpatri
Andhra Pradesh - Anantapur

Nellore - Kavali
Nellore - Stonehousepet
Nellore - Gudur
Andhra Pradesh - Nellore
Rajahmundry - Danavaipet

Rajahmundry - Innispeta
Andhra Pradesh - Rajahmundry
Kakinada - Main Road
Kakinada - Sarpavaram
Andhra Pradesh - Kakinada

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