PNB Global Classic Card : PNB : Rupee Times

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CREDIT CARD DETAIL

PNB Global Classic Card

Card Highlights

Card Class	Standard
Card Type	Shopping
Issuer	Punjab National Bank
Offered Type	Visa
Rewards	Shopping, Travel

Main Features

The PNB Credit Card can be used for all your requirements, be it shopping,eating out, holidaying, and fuelling up your vehicle, railway ticket reservations - just about any financial requirement, planned or on desire. Get up to 2 add-on cards for your spouse, parents, son and/or daughter (over 18 years) and allow them to enjoy the many benefits of the PNB Global Credit Card. Widely accepted at Merchant establishments & ATMs worldwide. You can also pay your utility bill payments i.e. electricity bills, telephone / mobile bills, etc. through our credit card by logging on to www.visabillpay.in/pnb.

Credit Card Rates

Purchases:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	1.95% per month

Balance Transfers:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	1% per month Min.: Rs 199 per month ((i) 0% for facility for 90 days or (ii) 0.99% p.m. for BT facility under EMI scheme for period of six months Balance transfer processing fees 1% of transfer amount or Rs.199/-, whichever is higher}

Fees & charges

Joining Fee	Nil
Annual Fee	Nil
Add On Card Fee	Annual fees-add on card -Nil
Cash Advance Limit	Maximum 30% of credit limit
Finance charges on cash advances /extended credit	1.95% monthly
Penalty Interest Rate	1.95%
Late Payment	Late Payment Charges are applicable at the rate of 30% of minimum amount due subject to minimum of Rs.200 and maximum of Rs.500 per billing cycle
Free Credit Period	Up to 50 days - Nil on cash advance
Minimum Amount Due	5% of bill amount or Rs.100 whichever is higher
Limited Lost Card Liability	In case your credit card gets lost, report it immediately to our 24-hour toll free call centre. After you do this, you carry limited liability on any fraudulent transactions on your card.
Over Limit Charges	2.5% OR MINIMUM Rs.250/- per transaction
Cheque Bounce Fee	Rs100/- per instrument
Return of Cheque Fee	Rs100/- per instrument
Non-Bank ATM Access / Balance Enquiry Charges	Outstation cheques are not accepted. Multi-city cheques will be accepted towards payment of
Duplicate Statement Request Charges	Rs.50/-
Replacement Card Charges	Rs 100
Emergency Replacement(when overseas)	Rs.100/- per card
Charge Slip Request	Rs.100/-
Railway Booking Surcharge	2.5%
Railway Booking Surcharge (Online)	1.8%
Air/Railway Booking Comment	At Counter: 2.5% on the transaction amount. IRCTC website : Upto 1.8% of the transaction amount Note: (Transaction amount comprise of the ticket charges + service charges by Railways/IRCTC)
Fuel Surcharge	2.5% Min.: Rs 400
Foreign Currency Transaction Charges	3.50% markup over and above the currency conversion rate
Service Tax	12.36%

Rewards & Benefits


With us, money spent is money earned. For every Rs. 100 you spend, you earn 1 reward points. You can redeem these accumulated points for exciting offers from our exclusive rewards program.

Airline

Services & Features

General Features:

Photo Option	No
Add On Card	Yes
Internet Web Based Access	Yes
Coverage	International
Concierge Service	No
Invitation to Special Events	No
Road Assistance	No
Forex & Travel Cheque Services	No
Access to 24-Hour Customer Care Centre	Yes
Personal Loan Facility	No
EMI on Call Facility	No
Dial a Draft Facility	No
Rewards Programme	Yes
Global Emergency Assistance Service	Yes
No. of ATMs (Global)	over 1 million VISA ATMs around the world
No. of ATMs (India)	over 30,000 VISA ATMs across India

Insurance:

Hospitalization Benefits

Special Offers

Terms & Conditions

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