Does PNB offer specific credit cards with cashback features? Are cashback benefits available on all PNB credit cards or only on select ones? How do cardholders earn cashback? Are cashback rewards applicable to all transactions or limited to certain categories like fuel, dining, shopping, or travel? Are there special promotions or higher cashback rates for specific types of spending? What percentage of cashback does PNB offer on transactions? Is there a maximum cashback limit per billing cycle or transaction? How is the earned cashback credited to the cardholder’s account? Is the cashback automatically adjusted against the bill, or does it need to be manually redeemed? Is there a minimum threshold required to redeem cashback? Are there any transactions where cashback is not applicable, such as utility bill payments, EMI transactions, or fuel purchases? Are there any specific terms and conditions for availing cashback benefits?
Yes, cashback benefits are available on a few Punjab National Bank (PNB) credit cards. Many PNB credit cards operate primarily through a reward points system, however other cards also provide direct cashback.
First, in addition to cashback on Patanjali purchases, Patanjali Ayurved Ltd. offers an extra 5-7% off recharges made with this credit card.
The PNB Rakshak RuPay Platinum Credit Card offers unique cashback benefits for dining out, utility bill payments, and other transactions.
Conversion of Reward Points to Cashback: PNB credit cards that use a reward points system allow users to exchange their accrued points for cashback. One reward point, or ₹0.50, is the normal exchange rate. At least 1,000 reward points, or ₹500, are required.
Card-Specific Benefits: Different PNB credit cards provide different reward schemes and cashback incentives. The specific terms and conditions of each card must be reviewed in order to understand the applicable benefits.
Redemption Process: To convert reward points into cashback, cardholders can use the PNB Genie mobile app or log in to the PNB credit card portal.