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How to Pay Punjab National Credit Card Payment Online & Offline

Credit cards have become a very useful tool for people to complete their daily transactions like paying utility bills, paying mobile bills, buying groceries etc. Gone are the days when credit cards were only used for buying airline tickets or similar large transactions. People nowdays have understood how credit cards can be used to move credit and thus many have multiple cards from various banks to avail the benefits provided by each card issuer.

PNB offers some of the best credit cards in the industry. They have customized credit cards which cater to various people for their varied needs be it shopping, travel, restaurant as well as corporate cards. PNB cards have varying rewards and benefits for each card while some cards give amazing amount of cashback for various transactions while some cards give reward points which can be used later to redeem to get a great offer from PNB.

PNB also provides many modes to maintain and payment option of your credit card which the customer can choose according to their convenience.

The two main options are classified as online and offline mode of payment which are further classified into multiple features that a customer can use to pay off their credit card dues.

PNB credit card payment – Online mode

Punjab National  Credit Card  Payment

With the world going digital many people prefer paying their bills through online mediums. PNB has also understood this trend and setup multiple ways that a person can pay their credit card bills.

PNB Net Banking:

To utilize the PNB Net Banking facility, PNB’s savings and current account holders must register for this service. Only after registration, online payments can be done by customers. Customers can also link their PNB credit cards to Net Banking account, after logging into their PNB Net Banking account.

Customers can access or view their PNB credit card information, credit card statements and unbilled transactions through the net banking facility for up to six months. All the Net Banking account will detail the billed/unbilled transactions, credit limit, due dates, reward points earned and outstanding dues. In case of loss or theft of credit cards customers can use the Hot listing facility available under the Net Banking facility to block you card and request for card replacements for which PNB does not charge any fee.

To pay your credit card dues log in to the net banking facility through the bank website and go into the credit card tab and select the “Credit Card Payment Option”. Pay your bills using your PNB savings account.


If you are worried that you might forget to pay your credit card bills, which is a very big problem for people with multiple credit cards then as a PNB customer you can pay your outstanding credit card bills using the Autopay option to set standing instructions for auto debits on their PNB accounts.

The total monthly outstanding amount or the minimum amount due on the PNB credit card can be repaid using the Autopay facility. The PNB savings account should be held by a single customer or as a joint account, with an ‘either’ or 'any' signing mandate.

PNB credit card payment – Online mode for non-PNB Account

You do not necessarily open a PNB account to have a PNB credit card, you can also pay your credit card bill using a non-PNB account. There are several ways that a person with a PNB credit card can pay their credit card bills through online transactions using other bank accounts. This convenient way of paying your PNB credit card bill through other banks works for PNB as well as other banks.

There are plenty of online modes of PNB credit card bill payment to clear your credit card dues using a non-PNB account. Some of them are mentioned here.

National Electronic Funds Transfer (NEFT)

You can pay your PNB credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.

Real Time Gross Settlement (RTGS)

For people who like to use their credit cards for large transactions, you can pay your credit card bills in one go using the RGTS mode even if they do not hold a PNB account. All you need to have is your net banking activated on your non-PNB account to carry out an RTGS transaction. Through RGTS, you can make payments for Rs. 2 lakhs and more. Any RTGS transactions are executed individually unlike NEFT which are processed in batches.

Visa Money Transfer

You can make the payment for PNB credit card through Visa Money Transfer Facility.

  • Login to your net banking account and under ‘Fund Trasfer’ select ‘Visa Payment’.
  • Contact your debit card issuing bank to know more about Visa Money Transfer.

PNB Website

Non-PNB account holders can use the Bill Desk web page which is set up for PNB credit card holders. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to the PNB net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction. If they have given their email id, they will also receive an email with all the transaction details. To know if your bank can be used to avail this service you can see the list in the PNB website.

Your Non-PNB’s Website

In case you don’t have a PNB account you can pay your credit card bills by logging into your bank’s online payment portal using your unique net banking id and password and transfer the due amount. The process is very simple and consists of many more options including NEFT and RTGS. The bill payment will take 2 working days to be credited to your PNB account.

PNB credit card payment – Offline payment mode

There are many people who still consider paying their bills the traditional way. This could be due to two reasons – either they are not comfortable with the online methods or they don’t have access to the online payment modes. Either way they prefer to pay their bills offline. For such people PNB provides multiple ways by which any individual can pay their credit card dues.

Cash payment

You can pay your credit card bills by paying in cash at any one of the PNB branches nearest to you in your city.

Cheque Or Demand Draft payment

If you prefer to pay your credit card bills using cheques or demand draft then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques or drafts in any of the MINC Bill boxes, mentioning your credit card number. It has to be dropped at least 4 days before the due date. The cheque should be drawn on a local bank and should not be postdated. The payment will get cleared within 3 working days.

Punjab National Bank Credit Card Payment FAQ

1. How many days in advance should I drop my cheque or demand draft before the due date?

The cheque or demand draft should be dropped at the MINC Bill boxes before 4 days of due date.

2. If a customer cannot find the required bank in the given list, what should be the next step of action?

If a PNB credit card customer cannot find the required bank in the list, then payments can be made through the NEFT process using the IFSC code.

3. What should a customer do in case he has entered the wrong credit card number while making payments?

Generally, customers should enter the credit card number twice for security reasons. In case the wrong number has been entered, then the customer is required to call the customer care for further support.

Punjab National Bank Credit Card Bill Payment - Customer Reviews

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