Are there any countries where PNB credit cards cannot be used? Does PNB block transactions in high-risk countries for fraud prevention? Can I use my PNB credit card in sanctioned countries? Are there any specific business categories where my PNB credit card won’t work internationally? How can I check if my PNB credit card is valid for use in a specific country? Can I request PNB to unblock my card for use in a restricted country?
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Yes, due to global sanctions, legal requirements, or security concerns, PNB credit cards may not be able to be used in some countries. Before you travel, it’s best to verify with PNB or the card’s terms and conditions for specific country-specific restrictions.
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Absolutely, I understand your concern about using your PNB credit card internationally. Here’s what I found:
International Usage of PNB Credit Cards
PNB credit cards are generally accepted worldwide at merchant establishments and ATMs that support the card’s network (e.g., Visa or RuPay). However, there are specific guidelines and restrictions to be aware of:
Nepal and Bhutan: PNB credit cards are not valid for foreign currency transactions in Nepal and Bhutan. This means transactions in currencies other than the local currencies of Nepal or Bhutan, or in Indian Rupees, are not permitted.
Compliance with RBI Regulations: All international transactions must comply with the Reserve Bank of India’s Exchange Control Regulations and the Foreign Exchange Management Act (FEMA), 1999. Cardholders are responsible for ensuring their transactions adhere to these regulations.
Activation for International Use: By default, international usage may be disabled for PNB credit cards. To enable international transactions, you need to request activation through PNB’s official channels.
Steps to Enable International Usage
1. Contact PNB Customer Care: Reach out to PNB’s 24/7 customer helpline at 1800 180 2345 or 0120 4616200 to request activation of international usage for your credit card.
2. Visit a PNB Branch: Alternatively, you can visit your nearest PNB branch and submit a request to enable international transactions on your credit card.
Additional Tips
Inform Before Traveling: It’s advisable to inform PNB before traveling abroad to ensure your card is activated for international use.
Check Transaction Limits: Be aware of any transaction limits or fees associated with international usage, such as foreign currency conversion fees.
Monitor Transactions: Regularly monitor your credit card statements for any unauthorized transactions and report them immediately.
For more detailed information, you can refer to PNB’s official credit card portal: