Eligibility
- Salaried customers drawing their salary through Bank Account maintained with our Bank, Staff/Ex-Staff Employees of the Bank, Rakshak Employee, Customers availing Housing or Personal or Vehicle Loan from our Bank and Customers maintaining Quarterly Average Balance of minimum Rs. 50000/- .
- However, customer details fetched from above categories are assessed their eligibility only if they fulfil all nine eligibility criteria i.e., Age, Educational Qualification, Gross Annual Income, CIBIL Score (For Staff, Ex-staff, Salaried, Customers having account under Rakshak Plus Scheme à 700 & above, 0 & -1* AND for Housing Loan Borrowers, Car Loan Borrowers, Personal Loan Borrowers & QAB based customers à 750 & above ), No Delinquent Credit Facility (For last 12 months no instance of DPD 90+days), Overdue amount, Written off/Settled/Suit Filed amount, CIBIL Inquiry, No Live PNB Card.
| SL | Type Of Customer | Limit Assigned | Card Variant |
|---|---|---|---|
| 1. | Staff, Ex-Staff | Rs. 10,000/- to Rs. 50,000/- | RuPay Platinum, VISAClassic |
| Rs. 50,000/- to Rs. 10,00,000/- | RuPay Select, VISA Platinum | ||
| 2. | Salaried, Housing/ Car/ Personal Loan Borrower | Rs. 10,000/- to Rs. 50,000/- | RuPay Platinum, VISA Classic |
| Rs. 50,000/- to Rs. 5 Lakh | RuPay Select, VISA Platinum | ||
| 3. | Customers having account under PNB Rakshak Plus Scheme | Rs. 25,000/- to Rs. 5 Lakh | RuPay Rakshak Platinum |
| Rs. 50,000/- to Rs. 5 Lakh | RuPay Rakshak Select | ||
| 4. | QAB based customers | Rs. 60,000/- to Rs. 2 Lakh | RuPay Select, VISA Platinum |
- Minimum Limit – Rs. 10000/-
- Maximum Limit – Rs. 5 Lakh (For Customer) Rs.10 Lakh (For staff / Ex-staff)
- NIL joining fee for the Target Segment irrespective of the offered Card Variants
How to apply for PQCC?
PQCC can be applied through following 3 channels
- PNB ONE
PNB eligible Customers will get a notification in PNBONE App. - Internet Banking
- Bank’s Credit Card Website
Card Variant Features For Pre-Qualified Credit Card
1. RuPay Select:
- NIL Joining Fee
- Minimal Annual Fee. Rs. 750/- @ Annual charge shall be waived in case the card is used at least once in each quarter in the preceding year.
- Insurance Coverage as per NPCI Rupay Scheme. Upto Rs. 10 Lacs
- Domestic & International Lounge Access
- Complimentary Health Check Up, spa, golf, gym sessions
- Attractive Reward Points. 2 reward points on every Rs. 150/- spends.
- Fuel Surcharge Waiver
- Exciting Merchant Offers
- Cash Advance, Revolve, EMI, Auto Debit Facility & Many More.
2. RuPay Platinum
- NIL Joining Fee
- Minimal Annual Fee. Rs. 500/- @ Annual charge shall be waived in case the card is used at least once in each quarter in the preceding year.
- Insurance Coverage as per NPCI Rupay Scheme. Upto Rs. 2 Lacs
- Domestic & International Lounge Access
- Attractive Reward Points. 1 reward points on every Rs. 100/- spends.
- Fuel Surcharge Waiver
- Exciting Merchant Offers
- Cash Advance, Revolve, EMI, Auto Debit Facility & Many More.
3. Visa Classic
- NIL Joining Fee
- NIL Annual Fee
- Attractive Reward Points. 1 reward points on every Rs. 100/- spends.
- Exciting Merchant Offers
- Fuel Surcharge Waiver
- Cash Advance, Revolve, EMI, Auto Debit Facility & Many More.
4. Visa Platinum
- NIL Joining Fee
- Minimal Annual Fee. Rs. 500/- Annual charge shall be waived in case a Credit Card account satisfied following conditions:
- If the usage of card, in preceding year, is more than the credit limit of the card.
- There is at least one retail transaction [i.e. other than fuel or cash withdrawal] in every calendar quarter.
- Account has never been irregular in past.
- Attractive Reward Points. 2 reward points on every Rs. 150/- spends.
- Exciting Merchant Offers
- Fuel Surcharge Waiver
- Cash Advance, Revolve, EMI, Auto Debit Facility & Many More.
5. RuPay Platinum Rakshak
- NIL Joining Fee
- Minimal Annual Fee. Rs. 500/- @ Annual charge shall be waived in case the card is used at least once in each quarter in the preceding year.
- Insurance Coverage as per NPCI Rupay Scheme. Upto Rs. 2 Lacs
- Attractive Reward Points. 1 reward points on every Rs. 100/- spends.
- Fuel Surcharge Waiver
- Exciting Merchant Offers
- Cash Advance, Revolve, EMI, Auto Debit Facility & Many More.
6. RuPay Rakshak Select
- NIL Joining Fee
- Minimal Annual Fee. Rs. 750/- @ Annual charge shall be waived in case the card is used at least once in each quarter in the preceding year.
- Insurance Coverage as per NPCI Rupay Scheme. Upto Rs. 10 Lacs
- Domestic & International Lounge Access
- Complimentary Health Check Up, spa, golf, gym sessions
- Attractive Reward Points. 2 reward points on every Rs. 150/- spends.
- Fuel Surcharge Waiver
- Exciting Merchant Offers
- Cash Advance, Revolve, EMI, Auto Debit Facility & Many More.