Credit Card Bill Payment Options for banks across India
PNB issues Credit Cards to the users for enabling them to borrow funds from bank to pay for daily expenditures like utility bills, mobile bills or buying other goods and services on the stipulation that user will pay back the amount to the bank with an additional interest.
PNB has customised credit cards to cater various needs of people whether it is for shopping, travel, hotel or corporate cards. There are different rewards and benefits associated with PNB Bank cards, in which some have great cashback schemes as per transactions while some cards offer good amount of reward points which can be redeemed later for getting good offers from bank. PNB bank provides multiple options in both modes of payment, online and offline to its customers.
Punjab National Bank Net Banking:
Net banking facility can be availed by users only after registering online. To check the outstanding of credit card and paying bills, user is required to link credit card with net banking account for which ATM pin details would be used. After linking PNB credit card with net-banking account, user would be able to check billed or unbilled transactions, due dates, reward points by simply logging in the net banking account through bankâ€™s website, clicking on â€œCredit cardâ€? tab and selecting â€œCredit card payment optionâ€?. PNB is also providing hot listing facility under net banking in case if the card has been lost or stolen to block it from getting used by charging fee of Rs.100.
PNB Mobile App:
For this procedure, users need to download and install PNB app in their phones. After installation users can logon to app by using customer id. App has been made for the convenience of mobile users having same features as that of net banking portal, so that it may be accessible from anywhere. Credit card accounts are highly secure using SSL protection of 128 bit due to which a user can do transactions safely from anywhere using their accounts through mobile app.
Auto payment debit:
If a user is having multiple cards, auto debit option on bank account is an option of payment for which certain instructions need to be set on PNB account. This facility is used to pay minimum amount or for repaying the outstanding balance. Either the account should be handled by a single user or it could be used as joint account.
Credit card payment from non-PNB Bank accounts:
It is not mandatory to have an account in the same bank, whose credit card you bought. There are different ways of paying credit card bills through other bank accounts:
NEFT method: In this method user need to enter number of PNB credit card as the payee account number to make payments and the IFSC code. The payments which are made during working hours on weekdays get transferred on same day whereas the payments which are made after working hours get transferred on next day.
RTGS (Real time gross settlement )method: This method is applicable for the people who use credit card for higher transactions as they can pay the whole amount at one time, so a payment of Rs2 lakhs or more can be done at one click unlike NEFT where for higher transactions payment has to be done in batches. For carrying out this transaction net banking should be activated in other bank account too.
Visa Money transfer facility:Select â€œVisa paymentâ€? under â€œfund transferâ€? after logging in to net banking account. To know more about the process, please contact the bank.
Credit card bills can be also be paid at the nearest bank branch of PNB by paying processing fee.
Cheque Payment / Demand Draft
Credit Card bill payment can also be done through cheque by dropping it at the nearest ATM, after writing the credit card number and other details on it.
Transfer through ATM:
PNB credit card bill can also be paid at any of the nearest branch ATMs .This service can be availed 24/7.Here the amount that is required to be paid can be transferred from saving or currents account to credit card.
Though the credit card number should be entered twice for security purpose but even then if it happens, please call the customer care.
It can be paid by cash or cheque either at nearest ATM or nearest bank branch.
For this process, please download the app and payment can be made in credit card section.
Yes the amount being paid should be equal to the total amount due as per statement.
In this situation payments can be made through NEFT using IFSC code.