Category Archives: Updates

PNB Credit Cards – PNB Net Banking

PNB Credit Cards: Do you want to apply for PNB Credit cards? Then you have reached the right place. Here we will provide you complete information about PNB Credit cards.

PNB Credit Cards

PNB Credit Cards

Punjab National Bank provides a wide range of credit card services to all the customers. Punjab national bank provides a wide range of Internet Banking, Mobile Banking, SMS Banking, etc. using which all the customers can perform various banking activities at their convenient place and time. PNB Credit Card offers various amazing offers.

Read MoreHOW TO SETUP PNB MOBILE BANKING

Types of PNB Credit cards

There are 3 types of PNB Credit cards:
1. PNB Global Platinum card
2. PNB Global Gold Card
3. PNB Global Classic Card

1. PNB Global Platinum Card

  • Best Convenience
  • Get Guide’s help round the clock
  • Earn Amazing rewards.
  • Redeem Extra Welcome Points and much more benefits.

2. PNB Global Gold Card

  • Get amazing purchase benefits and other privileges.
  • Accepted across more than 30 million merchants worldwide
  • Get 2 Add-On cards for a spouse, son, daughter, parents, etc. Only one condition, the family member should be above 18 years of age and much more benefits.

3. PNB Global Classic Card

  • Get 2 Add-On cards for a spouse, son, daughter, parents, etc. Provided the family member should be above 18 years of age.
  • No joining fee, Annual Fee, and Renewal fee.
  • Get amazing benefits on railway tickets and much more benefits.

Eligibility Criteria for PNB Credit cards

To apply for PNB Credit card below criteria should be satisfied:

    1.  Education Qualification: Minimum 10th Pass
    2. Age of user: For Primary credit card it should be between 21- 65, while for add-on-card it should be 18-65.
    3. Income criteria for different credit cards:
Income Criteria Classic card Gold Card Platinum card
Salaried Individuals Min Rs 1,00,000 per year Min Rs 2,50,000 per year Min Rs 5,00,000 per year
Business/ Self Employed/
Salaried Individuals
Min Rs 1,00,00 per year Min Rs 2,00,00 per year
  1. Address Status: The user should be the either the resident/ employed in the city
  2. The user should have a good status with the Punjab National Bank for at least 6 months.

Read MorePNB SMS BANKING

 

Documents required for Application

1. Proof of Address
2. Proof of Identity
3. Proof of Income

How to apply for PNB Credit card?

You can apply for PNB Credit Card if all the above eligibility criteria are satisfied.
There are mainly two ways to apply for PNB Credit Card
By visiting the bank or By Visiting the bank’s website
1. By visiting the bank
– First of all download the application form online or from the nearest bank branch.
– Fill all the required details. Attach necessary documents and submit it to the bank branch.
2. By Visiting bank’s website
-Visit the credit card official website
– Fill all the details online and submit it.

Benefits of PNB Credit cards

Various Benefits of PNB Credit cards are as follows:

  • Utility Bill Pay: Using PNB Credit Card, you can pay electricity bills, telephone bills from the official website of the bank, etc.
  • Balance Transfer Facility: Any Account holder can transfer notable money from any other credit card to PNB Global Credit card at a very low-interest rate. Also, a resident of India holding primary credit card can transfer money at a low interest rate. But, the credit card should not be over the limit.
  • Add-On Credit Card: One can take two supplementary credit card for his/her spouse, children, parents, etc. But the member should be more than 18 years of age.
  • Waiver of Fuel Surcharge: The bank offers the amazing feature, in which it waives off the surcharge on fuel when a user spends about Rs 400 to Rs 3000 per transaction anywhere in India.
  • Free Credit Period: Any user who pays the entire balance of credit card on or before the due date is eligible for minimum 20-50 days of the free credit period. In this period, the user will not be charged any kind of Interest rate on the card.
  • Rewards: The credit card holder can get 1 reward point for every 100 Rs spent. Also, the reward points can be converted to the JP miles, which means the cardholder can save a lot on airline tickets.
  • Removing credit facility: one of the amazing features of credit card is, the user has to pay only the minimum amount due while the rest of the amount is added to the next billing cycle.
  • Concierge Services: In this service, a special desk is allocated for some special credit card holders where they will be provided amazing services such as travel booking assistance, passport/ visa support, emergency medical help, etc.

Fees and Charges on Credit Cards

All the credit card consists of Joining Fee, Annual Fee, and Interest rates.

1. Joining fee: If you have issued credit card against the FD, then there is no joining fee. There is Joining fee f Rs 300 and Rs 500 for Gold and Platinum credit cards respectively. There is no joining fee for classic credit cards.
– One of the most amazing things, the joining fee is refunded back into the account every six months, if the overall expense exceeds a certain amount.
– All the platinum card holders have to pay Rs 500 for Add-on card.
2. Annual Fee: The card holder has to pay a certain amount as an Annual fee.
– The Annual fee is waived off if your overall expense exceeds a certain limit.
– The Annual fee for Gold and Platinum cards is Rs. 300 and Rs. 500 respectively.
– If you have issued credit card against FD, there is no annual fee.

Reward Points

There are rewards points for every purchase your make. The reward points that you have earned can be redeemed in different forms. PNB Gold and Classic card offers 1 reward point for every purchase of Rs. 100 while the PNB Platinum card offers 2 rewards points for every purchase of Rs. 150.

We hope that you got all the Essential Information about PNB Credit cards.

Read More:

PNB SMS Banking – PNB Net Banking

PNB SMS Banking service is one of the Amazing service provided by the Bank. The bank has launched this service, especially for the simple mobile phone users. However, this service can be used by all the mobile phone users. The Amazing thing about this service is, you don’t require Internet Connection to use it.

Punjab National Bank is one of the leading banks in India. The bank consists of more than 6960 branches and more than 9930 ATMs all across the world. It provides a wide range of Internet Banking as well as Mobile Banking Services.

Read More: How to Setup PNB Mobile Banking

PNB SMS Banking

In order to use PNB SMS Banking, you must be registered with the SMS Banking alerts. If you are not registered with SMS alerts, you can simply visit the nearest PNB branch.

After you have registered your mobile number you have to just send an SMS along with the specified format based on your service requirement and send it on 5607040.

Services of PNB SMS Banking

  • check account balance
  • Request for cheque book
  • Mini statement (view of the last 10 Transactions)
  • Generate MMID
  • Stop payment of a cheque
  • Request for a new cheque book
  • Change SMS Password
  • Transfer funds using IMPS
  • Cheque Status Inquiry

Using PNB SMS Banking, you can only transfer funds of Rs 5000 per day.

PNB SMS Banking Codes

PNB SMS Banking

1. Balance Inquiry: You can check the current balance of your PNB Account by typing the following code:
BAL <space>16 Digit Account Number & then send it to 5607040.

2. Mini Statement Inquiry: You can get all the details about the last few transactions of your account by typing the following code:
MINSTMT <space>16 Digit Account Number & then send it to 5607040.

3. Monthly Account Statement: If you want to check the transactions of a particular month, type the following code:
STMT <space>Name of the Month <space>16 Digit Account Number & then send it to 5607040.

4. Stop payment of a Cheque: If you want to stop the payment of a cheque, simply type the following code:
STPCHQ <space>Cheque Number <space>16 Digit Account Number & then send it to 5607040.

5. Cheque Status of a cheque: You can also cheque the status of a particular cheque on your mobile, then type the following code:
CHKBK <space>Cheque Number <space> 16 Digit Account Number & then send it to 5607040.

6. Request for a new cheque book: You can also request for a new cheque from mobile by typing following code:
CHKBK<space>ChequeNumber<space>16DigitAccountNumberMBANKING USERID<space> NUMBER OF LEAVES FOR CHEQUE BOOK & then send it to 5607040.

7. Change SMS Password: In order to change your SMS Banking password, type the following code:
CHNGPWD<space>SMS PASSWORD (i.e. your current password) <space> NEW SMS PASSWORD & then send it to 5607040.

Now we will move towards the SMS Banking codes related to Transferring Funds

8. Self-Transfer of Funds: You can transfer funds from One PNB Account to another by typing the following code:
SLFTRF <space>FROM ACCOUNT NUMBER<space>TO ACCOUNT NUMBER<space>AMOUNT

9. Generate MMID: If you want to generate MMID for IMPS then type MMID and then send it to 5607040.

10. Cancel MMID: If you want to cancel your MMID then type MMID and then send it to 5607040.

11. There are basically two ways to Transfer Funds using IMPS. They are as follows:

First way: IMPS<space>Beneficiary Mobile No<space>Beneficiary MMID<space>Amount<space> IMPS PIN and then send it to 5607040

Second way : IMPS <space>XXXX <space>Debit Account No<space> Beneficiary Mobile No<space>Beneficiary MMID<space>Amount and then send it to 5607040.

For those who don’t know, IMPS is basically a 7-Digit Number which is a mixture of 4 digits of SMS password and last 3 Digits of Remitter’s password.

Thus, using PNB SMS Banking codes, you can perform various banking activities at your convenient place and time.

How to Setup PNB Mobile Banking – PBN Net Banking

How to Setup PNB Mobile Banking: Are you searching how to Setup PNB Mobile Banking? Then you have reached the correct place. Here we will provide you complete details about PNB Mobile Banking.

PNB is one of the most popular banks in India. Bank’s branches are also located in several other countries too. The Bank was established back in 1894 and then was spread in all the major cities in the country. PNB provides various Internet Banking as well as Mobile Banking services. All the PNB bank users can use the Mobile Banking services. Using Mobile Banking, you will be able to perform all the Banking activities in the Quickest and Appropriate manner.

How to Setup PNB Mobile Banking

How to Setup PNB Mobile Banking

In how many ways PNB Mobile Banking can be used?

You will be able to use the PNB Mobile Banking in three different ways:

  1. Mobile Banking using SMS
  2. Mobile Banking using Browser
  3. Mobile Banking using Application

How to Setup PNB Mobile Banking?

There are several ways to which you will be able to setup PNB Mobile Banking.

Using Account Number and Debit Card

If you hold a PNB Debit card, you can register for the PNB Mobile Banking, by visiting its Official website. To register, follow the steps given below:

  1. Enter the PNB’s Official Website. Visit, www.netpnb.com.
  2. Now, click on “Retail Banking” as seen on the top right corner.
  3. Here, you will be redirected to the PNB internet banking page. Then, click on the “New user”.
  4. Now, you have to enter your Account Number and then select “Register for Mobile Banking” from the three available options. Lastly, click on “verify”.
  5. Next, you will receive OTP on the registered mobile number. Enter OTP in the box.
  6. Now, you have to enter your Debit Card details and the ATM PIN in the appropriate fields.
  7. After successful registration, you will view the message on the mobile screen. The message contains your User ID. Note down, you will require for further purposes.

Offline Registration

To register offline, follow the steps given below:

  • Get the PNB blank form No: 1167 for Mobile Banking from any of the Punjab National Bank Branch.
  • Fill the form with all the required details and submit it to the bank branch.
  • You will receive the Login details at your registered address within few days.
  • You can also download the same form from the bank’s official website, www.netpnb.com.

Register Online

All the PNB Internet Banking customers can register for the PNB Net Banking using Internet Banking

Steps to register are as follows:

  1. Login into the Retail Internet Banking using your login details.
  2. Then Go to Personal Settings -> Other Settings-> Click on “Register for Mobile Banking”

How to Activate the PNB Mobile Banking Application

It is the best way to do mobile banking. Using the app, you will be able to use various amazing features. Here, you will require a Smartphone in order to download as well as install the app.

Follow the steps given below to set up the PNB Mobile Banking App

  1. First of all, Android users should download the app from the play store while the iOS users should download the app from the iOS Store.
  2. Now, open the app and then enter your Customer ID you have generated at the time of your registration and lastly, click on “Continue”.
  3. Then you have to enter 6-Digit OTP that you have received in your mobile number.
  4. Lastly, Enter a 4-Digit MPIN two times and then click on “Confirm”. You will require this MPIN at the time of Login.

In this way, you can Setup PNB Mobile Banking and enjoy all the services.