Does PNB issue credit cards to self-employed individuals, such as freelancers, business owners, and professionals (e.g., doctors, consultants, lawyers)? Are there specific credit card variants designed for self-employed applicants? What is the minimum income required for self-employed individuals to qualify for a PNB credit card? Does PNB consider net profit, annual revenue, or taxable income when evaluating eligibility? Is a minimum turnover required for business owners? Do self-employed individuals need to submit business registration proof, income tax returns (ITR), bank statements, or audited financials? Are GST returns or profit & loss statements required? Is a good credit score necessary for self-employed individuals to get approved? Does PNB offer secured credit cards for those with limited credit history? How can self-employed individuals apply—online, through a branch, or via relationship managers? Does PNB require additional verification steps for self-employed applicants?
Yes, self-employed individuals are eligible to apply for Punjab National Bank (PNB) credit cards, provided they meet certain criteria.
Eligibility Criteria:
Age: Between 21 and 65 years old.
Income: A stable income is required, with a minimum annual income of ₹80,000.
Educational Qualification: At least a 10th-grade pass.
Documentation Required:
Identity Proof: PAN Card, Aadhaar Card, Passport, etc.
Address Proof: Utility bills, rental agreement, etc.
Income Proof: Income Tax Returns for the last two years.