PNB Launches Pre-Qualified Credit Card Facility! Know its Benefits & Who Can Apply

PNB has recently launched a pre-qualified PNB credit card facility for its customers. Before you proceed to apply, let’s learn what are the benefits of this PNB Pre-qualified credit card & if you are eligible to apply

by Vrushali.S Updated: 24 Aug, 2022, 13:37 IST
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Punjab National Bank (PNB) which is one of the largest public sector banks in India recently announced a pre-qualified credit card facility for its customers. The pre-qualified credit card facility by PNB offers a number of benefits to customers with salaried accounts. Before we jump to the benefits of the PNB Pre-qualified credit card, let’s make sure we know what a pre-qualified credit card is.

What is a pre-qualified credit card?

A pre-qualified credit card simply means that the card issuer believes that at least some of your financial and personal information matches the card requirements. Whether it is your monthly income or credit score.

Please note that even if you are pre-qualified for a credit card, you would still be subjected to the approval by the card issuer or bank.


What are the benefits of the PNB Pre-Qualified Credit Card?

The Pre-qualified credit card facility of PNB hosts a number of notable benefits to its customers and the bank would be offering the cards under two platforms such as Rupay and Visa.

Following are the supposed benefits offered: 

  1. Exciting reward points

  2. Insurance coverage

  3. Complimentary domestic and international lounge access

  4. Health check

  5. Complimentary golf, spa, gym sessions

  6. Higher credit limits


Please note that the above-mentioned benefits were announced by Atul Kumar Goel, MD & CEO of PNB in an official statement. On the basis of the details entered, customers can avail of multiple benefits of the credit card, Atul Kumar added.

Before applying for the credit card, we suggest you check the details of this card with your nearest PNB Bank branch.


The official statement of the pre-qualified credit card facility of PNB bank was given in a PNB headquarter in Dwarka by the MD, CEO along with EDs and CVO.

Who can apply for PNB Pre-qualified Credit Card?

As per the official statement of the pre-qualified credit card facility of PNB bank given in a PNB headquarter in Dwarka by the MD, CEO along with EDs and CVO, it is confirmed that this facility is available for salaried PNB customers.

How to apply for PNB Pre-qualified Credit Card?

One can apply for the pre-qualified credit card facility through their salaried account, mobile banking app, PNB One, or website, or Internet Banking Service (IBS).

Apart from the pre-qualified credit card facility, PNB has also introduced a new facility of overdraft against fixed deposits through which customers can quickly and easily make an overdraft against an FD. PNB customers can also apply for loans online without having to go to the bank physically and can get a 0.25% discount on the interest rate when applied through online banking services.

Read - Top 5 Lifetime Free Credit Cards in 2022


Review Expert
Vrushali is a content & copywriter with 3+ years of exp in writing, researching & ideating content pieces. She writes articles across finance, tech, lifestyle, telecom, online shopping & travel. When not working, you'd find her scribbling designs.
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Finance Ninja Finance Ninja
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Sbi se zyada khatarnak bank hai ye , isme ghuse to bande job chod denge apni lekin kaam nhi karenge tumhara
Benevolent Benevolent
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+1 Is bank ke employees working hours main bhi apne counter se baithe baithe ek doosre se gap shap maarte rehte hain aur SBI walon ki tarah inka lunch time kabhi over hi nahin hota.  joy


Translation : They keep gossiping and blabbering from their counters even during working hours and just like SBI employees have never ending lunch breaks.  joy


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Deal Newbie Deal Newbie
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Pnb has launched credit card and personal loan facility which can be availed from mobile banking only. No need to visit branch.
Deal Captain Deal Captain
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Wow bank has quite a reputation, never gonna step into one for anyone else either
Finance Mentor Finance Mentor
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PNB has earned a great reputation - for people to stay away from it. (now applicable for credit cards too)

Oh yes, SBI work culture and efficiency has improved a lot... maybe they got an internal memo sometime last year and it has worked (at least in our region).

@Tanmayyy @decideaim

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