FREQUENTLY ASKED QUESTIONS
Sl.
Questions
No.
1 Where can a customer drop
his cheque?
2 What does the customer
need to mention on the
cheque?
3 Where can a customer
make the cash payments &
how?
4 Are there any charges for
cash payments or third
party payments?
5 How much amount can a
customer request for EMI
conversion?
6 When can a customer
request for EMI?
7 What is the tenure period
for EMI?
8 What is the rate of interest
and processing fee for EMI
amount?
9 How many EMIs can a
customer opt for in a
month?
10 Can we convert the total o/s
into an EMI?
11 Can a customer make the
extra payment for the EMI
amount in any month?
12 What is the EMI foreclosure
fee?
13 What is the procedure to
apply for a balance
transfer?
14 What are the plans for BT?
15 What is the processing fee
Answers
Customer can deposit his cheque for payment at
any local CBS branch. If the drop box is available
then customer needs to drop the cheque in that,
otherwise he can handover the cheque at the
PNB counter for credit card holders.
Customer needs to mention “PNB credit card no.
"16-digit card no.”" & at the back side of the
cheque he needs to mention his name, contact
number.
Customer can make the cash payment in any of
the PNB branches. He needs to fill the cash slip
available at the counters, mention the card
number, contact no. and name on cash deposit
slip & submit the cash at the same counter.
No, there is no such charges in PNB. Any one
can make the payment of any card in cash or
cheque.
Customer can request for the EMI of amount up
to 75% of available limit subject to minimum
Rs.2500/-
Customer can request for the EMI within the 10
days from the date of transaction
It is 6 months tenure.
The rate of interest is 1.5% pm reducing & the
processing fee is 2% of amount.
Once in a billing cycle
Total outstanding is not converted into EMI.
Yes, he can but the extra amount which will only
be adjusted to the next purchases & not to the
next month's EMI.
3% of remaining principle outstanding amount.
Customer need to fill a BT form which he can
download from our web site . Along with that form
he needs to submit a copy of the front side of the
credit card & the photo copy of that bank's
statement not older than 45 days. The documents
need to be sent to CCPC.
0.99% interest rate for 6 months BT.
Processing fee is 1% of the amount or 199/-
 for BT?
16 Is there any specific bank
for whom the customer
cannot request for BT?
17 What is auto debit?
18 When can a customer apply
for auto debit?
19 When does a Auto Debit
facility get activated?
20 What is the procedure to
apply for this facility?
21 Are there any charges to
activate this facility?
22 What if a customer does not
have sufficient balance in
his account for the auto
debit?
23 What are the criteria to
apply for PNB credit card?
whichever is higher.
Customer can request for BT of any credit card
which is on his name.
Auto debit is a procedure by which total or
minimum amount gets debited from the
customer's saving account to PNB CC on the due
date.
Any time after receiving the card customer can
apply for auto debit.
Immediate effective after the approval of auto
debit request
Customer needs to fill an auto debit form which
may be downloaded from our web site. Customer
needs to fill that form and send it at CCPC.
No, there are no charges to avail this facility.
If in any month auto debit gets dishonoured due
to what-ever reason, then there would be 100/-
fee charged to customer and after 2 continuous
month of Auto Debit dishonour this facility will be
cancelled automatically.
1) The applicant should be a PNB account holder
for more than 6 months.
2) The age of applicant should be between 21-65
years.
3) The annual income:For Classic card : for
salaried person min. 1,00,000/- & for self
employed min. 1,00,000/-For Gold card : for
salaried person min. 2,50,000/- & for self
employed min. 2,00,000/- For Platinum card:
for salaried & self employed min. 5,00,000/-
24 What are the documents 1) Address proofs:-Any of the following latest
required to apply for PNB documents: [Copy verified from the original is to
credit card? be enclosed with the application for credit card.]:
1. Ration Card
2. Electricity Bill #
3. Telephone Bill #
4. Bank account statement#
5. Letter from employer (to the satisfaction of
the Bank)
6. Letter from any recognized public authority (to
the satisfaction of the Bank)
7. Credit Card Statement #
8. Income/Wealth Tax Assessment Order
9. Letter from Public Sector employer
10. Letter from any recognized public authority
having proper and verifiable record of
issuance of such certificates.
11. Voter ID Card (only if it contains the current
address)
12. Pension Payment Orders issued to retired
employees by Government
Departments/Public Sector Undertakings, if
they contain current address.
13. Copies of Registered Lease & License
agreement/Sale Deed/Lease Agreement.
14. In respect of officials of Central/State
Governments and Public Sector undertakings,
who are low risk customers for Bank, Branch
Heads may verify the photo/identity and
confirm residential address of such officials
from independently verifiable sources, to their
satisfaction, and permit opening of accounts.
This facility is extended only to the Gazetted
officers of Central/State Government and
Senior Management and above functionaries
of Public Sector Undertakings.
15. Latest telephone bills from any telephone
service providers and mobile service
providers not more than 2 month old,
postpaid.
16. Consumer gas connection card/book/Pipe gas
bill.
17. Certificate from ward/equivalent rank officer,
maintaining election roll certifying address of
the applicant.
18. Post Office Savings Pass Book.
19. Domicile Certificate with communication
address and photograph.
20. Certificate by Village Extension Officer (VEO)
/ Village Head or equal or higher rank officer.
Branch to confirm the authenticity of the
certificate and that it has been issued by the
 person who is holding the said office.
21. Court divorce order – Marriage annulment
order issued by Court.
22. Documents issued by Govt. departments of
foreign jurisdictions and letter issued by
Foreign Embassy or Mission in India.
23. Water Bill #
24. Property or Municipal Tax Receipt
25. Letter of allotment of accommodation from
employer issued by state or Central Govt.
Departments, statutory or regulatory bodies,
public sector undertakings, scheduled
commercial banks, financial institutions and
listed companies. Similarly, leave and
license agreements with such employers
allotting official accommodation. #Not more
than 2 months old.

2) PAN card (mandatory for the TAX payee) /

Form 60-61 with photo ID.

3) Proof of Identity: Any of the following

documents, with authenticated photograph
thereon, copy duly verified from the original will be
enclosed with the application for credit card.
1. Passport
2. PAN card
3. Voter’s Identity Card
4. Driving licence
5. The letter issued by UIDAI containing details of
name, address and Aadhaar number
6. Identity card issued by following authorities
(subject to the bank’s satisfaction)
a. Government/Defence ID card
b. ID cards of reputed Public Sector
employers
c. Pension Payment Orders issued to the
retired employees by Central/State
Government Departments, Public Sector
Undertakings
d. Photo ID cards issued by Post Officese.
Photo identity issued by any public
authority having proper record of
issuance of identity proof which is
verifiable from records
f. Ex-Servicemen Card with photograph
g.Bar Council/ Medical Association/
Institute of Chartered Accountants of
India/ Institute of Cost Accountants of
India / Institute of Company Secretaries
of India, Card with photograph.
h. Defence Dependent’s Card with
 photograph.
i. Statutory/regulatory authoritiesj. Scheduled
Commercial Banksk. Public Financial
institutions
7. Letter from a recognized public authority or
public servant verifying the identity and
residence of the customer to the satisfaction of
bank.
8. Married woman identity proof with maiden
name, if supported with a verified true copy of
marriage certificate.
9. Credit card with photo together with statement
of such card, not more than three months old.
10. Registered Property document with photo
identity.
11. Arms License issued by State / Central
Government of India.
12. Freedom fighter’s pass issued by Ministry of
Home Affairs, Government of India with
photograph of applicant.
13. Employee State Insurance Card (ESIC) with
photograph supported by latest month’s pay
slip.
14.Talati / Patwari (a local govt. official)
attestation by way of putting rubber stamp
and signature. Gram Sarpanch / Mukhiya
attestation by way of putting rubber stamp
and signature.[NOTE: If passport having
current address is given as proof of identity,
there is no need to give separate proof for
address.]

4.Income proof :- ITR, salary slip, employer

certificate, form-16, pension slip / last 6 months
bank statement in which the credit of pension is
reflecting).

5. Photograph: Passport size photograph of

applicant is to be affixed at the space provided in
the application. Applicant has to put his signature
across Photograph. In case applicant opts for a
photo card he has to submit one more copy of
photograph without signature for purpose of
scanning for photo card. This is applicable to both
applicants for primary and add-on cards.All
documents need to be self attested and verified
by the identified branch.
25 What will be the limit There is no single basis for assigning credit limit.
provided on the credit card? There are various parameters on the basis which
credit limit is decided by the Bank.
26 What are the max. and min. For Classic card min. limit is 10,000/- & max. limit
limits for the credit card? is 1,00,000/-, Gold card - min. limit is 50,000/- &
max limit is 5,00,000/- and for Platinum card min
 limit is 50,000 & max is 10,00,000.

27 From where can a customer Application forms can be downloaded from

get the application form? website www.pnbcard.in or obtained from PNB
branches at identified centres.
28 How much time will it take Once the application reaches our production
to approve the card? centre, it generally takes 10-15 working days to
process the application. After approval the card is
dispatched either through courier or speed post.
which generally takes another 7-15 working days
depending upon the location.
29 How is your credit card 1) Lowest finance charges (2.45% pm) in the
different from other credit market.
cards? 2) SMS & mobile alerts for transactions.
3) SMS & mobile alerts for the payments
received.
4) Redemption of reward points in
cash/conversion to JP Miles
5) 24X7 toll-free helpline number.
6) It is a global card ; can be used anywhere
around the world except Nepal & Bhutan.
7) E-statement facility.
8) Online facility to manage the account.
9) Additional web security (additional password
required for online transactions).
30 What will be the cash limit For Classic card : 30% of credit limit.
for the card? For Gold card & Platinum card : 40% of credit
limit.
31 What are the modes of -- Followings are the modes of payment of credit
payment? card dues:

1. Depositing Cash: Customer needs to visit any

PNB branch & fill in cash deposit slip(credit card
number, name & amount) and submit at deposit
counter.

2.Transfer of funds: Bank's account holders can

opt to get the amount transferred from their
deposit account towards payment of credit card
dues. A cheque or mandate authorising
transferring of amount from the deposit account is
to be submitted.

3. Clearing instruments like cheques/ drafts /

payorder: Customer needs to fill credit card no.,
name, contact no. & amount in cheque deposit
slip and to submit it along with cheque at the
cheque deposit counter. All the cheques should
be drawn in favour of “PNB Credit Card No - (16
digit credit card number).

4. Auto Debit (Standing Instructions): Primary

cardholder who is maintaining account with PNB
may request on prescribed form for payment of
‘Minimum Amount Due’ or ‘Total Amount Due’,
through Auto Debit, either at the time of
application of credit card or at a later stage. The
format for Auto Debit request is available at the
Bank’s credit card website www.pnbcard.in or
through credit card link at www.pnbindia.in .

5. Electronic Clearing System (ECS): Any

cardholder whose credit card account is active
and having no delinquency may request for
recovery of credit card dues through ECS. The
cardholder can exercise his/her option either to
pay ‘Total Amount Due’ or ‘Minimum Amount
Due’. The instructions can be given by the credit
cardholder, either at the time of submitting
application for credit card or at any point of time
after credit card is issued. The format for ECS
Request is available at the Bank’s credit card
website www.pnbcard.in.

6. Internet Banking: The Card Holder who is a

customer of our Bank and having Internet
Banking User ID & Password may access his
credit card Account through Internet Banking. He
can submit requests and can also make payment
of his credit card dues through Internet Banking.
The details of credit card interface through
internet banking are available in the User Guide
at PNB Internet Banking-Retail-Log in page at
www.netpnb.com.

7. VISA money transfer facility: In case where a

PNB’s Credit Card holder is maintaining an
account with the Bank that provides the facility of
online transfer through VISA Money Transfer,
such Credit Card holders can make use of VISA
Money Transfer facility to make payment of
monthly credit card dues. Cardholder has to log
on to his/her bank’s net banking website and go
to VISA Money transfer link for making such
Transfer. Money transfer transaction through
VISA money takes 2 working days to reach the
beneficiary bank account and beneficiary bank
will then transfer the funds to credit card account.
VISA Money Transfer service is offered by banks
on their terms & conditions.

8. National Electronic Fund Transfer (NEFT): A

 card Holder can also make the payment through
his/her account with other banks towards PNB
Credit Card dues, through National Electronic
Fund Transfer (NEFT). The credit cardholder
must fill up the following fields at the time of
making the payment of credit card dues :i. IFSC
code of beneficiary branch: It is always
PUNB0112000ii. Transaction code : It is 52 as
specified by RBIiii. Beneficiary a/c. No.: It is 16
digits Credit Card Number.NEFT facility is subject
to the rules and guidelines of Reserve Bank of
India, as applicable from time to time.

9. Through PNB ATMs: PNB account holder can

pay PNB credit card dues by using their PNB
ATM/debit card at PNB’s ATMs.10. Through
‘Billdesk’: PNB Credit Card holder maintaining
accounts with Banks other than PNB, can make
online payment towards PNB Credit Card Dues
through Billdesk by using internet banking
channel of other selected Banks.

32 What is TAT for the For cash payment 3 - 4 working daysFor cheque
payment updation? payment 5 - 6 working days.For online payment
48 to 72 hours.
33 Can a customer apply if he Yes, customer can apply if he has an account in
has an account in a different different city.
city?
34 Can a customer apply for Customer having Fixed Deposit in PNB can apply
PNB credit card if he has an for PNB credit card. And for those customers
Fixed Deposit or Loan whose loan is still going on with PNB they can
relationship with PNB? apply but they need to submit a recommendation
from the branch manager for the same.
35 What is the difference These are two different networks and there is no
between master and visa major difference in them. Our card is Visa card
credit cards? and will work on ATM machines/ POS terminals
having VISA logo.
36 Are there any charges for Pl refer to Schedule of Fee & Charges
this credit card?