PNB Credit Card Limit

Understanding the credit card limit of your PNB credit card is crucial. It helps you manage your finances effectively. The credit card limit is the maximum amount available for spending. Staying within this limit is essential to enjoy the several benefits that these cards offer. It also helps avoid penalties. Exceeding the limit can negatively impact your credit score and incur additional fees. This may affect your ability to secure loans in the future.

The Punjab National Bank considers several factors when deciding your card's credit limit. These may include, but may not be limited to, the below-mentioned factors:

• Income

The amount of money you earn plays an important and positive role in deciding your credit limit. The higher the income, the higher will be your credit limit.

• Debts

Debt has an exactly opposite effect to income, on the credit limit. If you have too many pending loans, uncleared card dues, etc., your credit limit will be lower.

• Credit Score 

A high credit score is your key to securing a high credit limit. So, you should work on improving your credit score before you apply for a credit card.

• Credit Limits of Other Cards

If you have credit cards from other banks, PNB will consider their credit limits. This will affect the limit for your new PNB card.

The bank will communicate the decided credit limit after processing your application.

PNB sets your initial credit card limit, but you can request an increase. A higher credit limit can boost your credit rating. It also helps during emergencies and makes securing loans easier. Here is how you can increase your PNB credit card limit:

• Pay Outstanding Dues

Ensure you pay your outstanding dues on time and in full.

• Request an Increase

Raise a request with the bank based on your repayment history.

• Maintain Low Credit Utilisation

Keep your credit utilisation ratio below 30% to improve your chances of approval.

• Apply for a New Credit Card

Consider applying for a new credit card with a higher limit. Then, request to match your existing card's limit to the new one.

If you have a PNB credit card, you can check the credit card limit using various channels. These include both online and offline methods:

• Through Net Banking

1. Visit the PNB credit card net banking portal

2. Log in to your account using the credentials

3. Go to the 'Credit Card’ section

4. Choose the credit card for which you wish to view the limit

5. Click on 'View account summary' to see your total and available credit limit

• Through Email

You can also write to Punjab National Bank from your registered email ID. Request the bank to share details related to your credit card limit. You would need to send the email on their credit card customer care creditcardpnb@pnb.co.in.

• Customer Care

You can call the PNB credit card customer care 24x7 at 1800 180 2345. Alternatively, call the tolled number at 0120 – 4616200. Request a bank representative to assist you. They can provide information about your credit card limit.

• Branch Visit

You can visit your nearest Punjab National Bank. Request a representative to inform you about your total and available credit limit. Do note that you might be required to provide some form of ID for verification.