PNB Credit Card is offered by Punjab National Bank to the customers at a very affordable rate. You can avail many benefits from a PNB credit card and it does not require you to pay high fees. In this article we will give you detailed information about the benefits of PNB Credit Card .
Before applying for a PNB credit card, you need to have all the information related to PNB credit card. The main objective behind taking a credit card is the benefits that one can get from a credit card. Therefore, if you are thinking of getting a PNB credit card, then it is necessary for you to have complete information about all the benefits available through PNB credit card. For the purpose of providing you this information, we have explained the benefits of PNB Credit Card in detail below.
Following are the benefits of PNB Credit Card –
- All-Purpose Credit Card:
PNB Credit Card is an all-purpose credit card. You can easily fulfill all your requirement through the use of your PNB Credit Card. You can avail many benefits through your PNB credit card like shopping, travel benefits, dining benefits, fuel benefits, railway ticket reservation benefits etc. You can get all the benefits mentioned above in a single credit card.
- Earn Reward Points While Spending:
PNB Credit Card also provides you benefits through reward points. You are awarded reward points whenever you use your PNB credit card to make payments. You are awarded 1 reward point for every Rs.100 you spend on your PNB Credit Card. You can easily redeem these reward points through PNB’s special report program and use them for other purchases.
- Cashback :
Cashback benefit is also provided by PNB Credit Card to its customers. You can get benefits in the form of cashback up to some percentage by doing online or offline transactions through PNB Credit Card. You can use this cashback later for other payments or purchases.
- Add-on Card:
PNB Credit Card also provides you the facility to add add-on cards. Through this facility you can add your family members (spouse, parents, son-daughter), who are above 18 years of age, as add-on cards. You can add two add-on cards to your primary PNB credit card and provide them with the opportunity to enjoy PNB credit card benefits.
- Lost Card Liability:
If your PNB credit card is lost somewhere and you immediately inform it on PNB’s customer care number, then you will not be held responsible if any fraudulent transaction takes place through your PNB credit card. In return you will be provided insurance benefits.
- Global Acceptance:
You can easily use your PNB Credit Card at merchant establishments and ATMs across the world. Through this you can withdraw cash from any ATM and make payment at any establishment accepting Visa cards.
- Utility Bill Payment Facility:
You can easily pay your utility bills (electricity bill, telephone/mobile bill etc.) through your PNB Credit Card. Cashback is provided to you when you pay utility bills. Hence, you can avail the benefit of cashback by making utility bill payments through your credit card.
You can get up to 2.5% discount if paying at railway counters and 1.8% if paying through your PNB credit card on IRCTC websites.
- Revolving Credit Facility:
PNB Credit Card also provides you the facility of Revolving Credit. Through this you can get multiple options to repay your various repayments, which are quite flexible and can be changed as per the paying capacity of the card holder.
- Balance Transfer:
PNB Credit Card also provides you the facility of balance transfer. Through this, you can choose to transfer your credit card outstanding amount of any other bank to your PNB credit card and repay it in easy monthly installments at a lower interest rate.
- Customer Service:
The customer service of PNB Credit Card is of very high quality. It is available to you 24 hours. For any type of problem related to PNB Credit Card, you can contact the customer care of PNB Credit Card anytime and get the solution to your problem.
- EMI Facility:
PNB Credit Card also provides EMI facility to its customers. Through this you can convert your big purchases into easy monthly installments.
- Concierge Services:
Concierge services are also provided by PNB Credit Card to its customers. Through this you can avail benefits 24 hours under various categories like travel, booking etc.
- Fuel Surcharge Exemption:
You can avail fuel surcharge waiver on fuel transactions at any fuel station located in India through PNB Credit Card. For this you have to do fuel transaction of a certain amount at the fuel station through your PNB credit card.
- Cash withdrawal facility :
You can also withdraw cash from ATM as and when required through your PNB Credit Card. You can withdraw this cash not only from domestic ATMs but also from international ATMs. Cash Withdrawal: This is very helpful in meeting your foreign currency cash requirements during international travel.