PNB Global Gold Credit Card Review

There three credit cards available for the customers of the Punjab National Bank. The PNB Global Gold Credit card is one of them. The special feature of the card is its worldwide acceptance. You will get some attractive rewards on your every purchase. The card offers some awesome features and benefits such as reward points, hotel booking benefits, customer care services, balance transfer facility, EMI facility, add-on card, utility bill payments facility, benefits on ayurvedic products, etc.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 65 yrs.  
    • Income: ₹2.50 lakh annually. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: ₹2 lakh annually. 
  • Good CIBIL Score. (750 or more).
  • The applicant must be 10th passed or more.
  • Good relation with the bank.

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

Fee:

  • Joining Fee: ₹300 + GST
  • Annual Fee: None. 

Benefits:

  • Reward benefit:

For each ₹100 spend with your PNB Global Gold Credit Card you will get 1 reward point. 

These reward points are redeemable. You can redeem these reward points through cash or awesome gifts from the bank’s reward program.

  • Hotel Booking:

With this card, you will get a 10% to 25% discount on hotel bookings, food, and beverages. 

  • Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card. You can add 2 of your family members at the max.

  • Multiple Uses:

You can use your card for different purposes like shopping, traveling, dining, and petrol pumps, railway ticket bookings, etc.

  • Lost card assistance:

If you lost your card you have to report to the customer care center. PNB will provide you a lost card liability protection if any transaction occurred after losing the card.

  • Balance transfer:

You can transfer the balance of your other cards to this card to get a lower interest rate. 

  • EMI Facility:

With this card, you can convert any transaction over ₹2500 into easy monthly EMIs within 10 days of the purchase. This feature is very helpful for frequent shoppers.  

  • Utility Bill Payments:

With this card you can pay your electricity bill, mobile bill, water bills, telephone bills more easily through Visa bill pay. 

  • Benefits of Ayurvedic Products: 

This card offers 10% off on Kairali Ayurvedic Group products.

  • Security:

The card has PNB IVR 3D secure service. It will provide security on IVR transactions.

  • Global Acceptance:

You can use your card at all merchants’ outlets, and all ATMs all around the world. You can use it for payment at outlets that accepts Visa cards. 

Charges:

  • Cash Withdrawal Charge: 2% against the withdrawn amount, or ₹50. 
  • Finance Charge: 2.45% monthly. 

Contact Details:

Call: 1800-180-2345 

Mail: [email protected]

100xGain Ratings:

2.5/10

Final Opinion:

If you are looking for a credit card to improve your credit score or a low-cost credit card for a balance transfer facility, then this card can be helpful for you. It offers reward points on every purchase, lost card assistance, Add facility, Balance transfer facility, EMI option, and lots more. 

But if you want to earn benefits from your card then I would not recommend you this card, instead, if you want to earn benefits on shopping then you can go for RBL Shop Smart Credit Card and if you want to earn benefits on fuel purchase you can go for Standard Chartered Super Value Titanium Credit Card and if you are a first-time applicant and you are looking for a credit card then you can go for Kotak Bank Aqua Gold Credit Card

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