Benefits Of Having A Punjab National Bank Credit Card

Being one of the oldest state-owned banks, Punjab National Bank offers affordable credit cards with a quite rewarding rewards program. The Punjab National Bank Credit Cards are best suited for the ones who are just starting their credit journey. You need to analyze your spending habits and needs so that you can choose the right credit card. To apply for Punjab National Bank credit cards you need to visit the nearest PNB branch and submit the application form along with the required documents.

Having a credit card from Punjab National Bank can be beneficial to credit cardholders in many ways. The decision of getting the PNB credit card can never go wrong provided you know how to use a credit card wisely. In this article, we have listed down some of the PNB Credit card benefits that one must know before applying for a credit card. Read on to kick start your research.

• Easy to avail: Since PNB offers credit cards at no joining and annual fees or a minimal charge, it is easier for the public at large to avail of them. You have required to meet certain eligibility criteria and once you receive the credit card you can start enjoying its benefits. You can check the features and benefits of credit cards at PNB official website.
• Low membership fees: Punjab National Bank offers credit cards in the range of Rs. 399 to Rs. 500 with an annual fee ranging from Rs. 300 to Rs. 999. This is another reason why you should go for a PNB credit card. PNB Global Classic credit card is a lifetime free credit card.
• Rewards & Benefits: Among all the Punjab National Bank Credit Card benefits the PNB has still kept in mind to provide you with a life remembering experience even with fewer membership charges. You can earn reward points on your spending and cashbacks too. Apart from this, you also get dining and travel benefits on the PNB credit cards.
• Low finance charge: Another highlight of getting a PNB credit card is that you get a low finance charge on it. Having fewer finance charges can help you in taking some burden off your shoulder and PNB is one of those banks that charges an interest rate of 2.95%.
• Netbanking services: You also get PNB netbanking services with the PNB Credit Cards. You can use this service to pay your credit card dues, utility bills, mobile recharge, etc. Moreover, you can also block your credit card through net banking in case you lose it.
• Other benefits: With PNB credit cards you get other benefits as well like add-on credit cards, customer care services, etc. that you can avail of.

 

Bottom Line:

To summarise, above mentioned are the PNB Credit Card Benefits that you can enjoy with a PNB credit card. To maximize these benefits you need to choose the right card first and then use it wisely. You can make the most out of a credit card by keeping your outstanding amount clear in full and maintaining a low credit utilization ratio. Using a credit card wisely is the only key to building a good credit score and a good standing account.

Additional Reading - How To Use Credit Cards Responsibly