Check eligibility before requesting EMI conversion.
Use online banking, customer care, or merchant EMI options to initiate EMI conversion.
EMI tenure, interest rates, and processing fees vary based on the bank’s policy.
Repayment in EMIs affects your available credit limit until fully paid.
Make sure your transaction is eligible for EMI conversion by checking your eligibility. Typically, transactions over ₹2,500 or ₹3,000 qualify.
2. Contact Customer Care - To request an EMI conversion, contact PNB Credit Card Customer Service.
3. Use Net Banking or Mobile App - Look for the EMI conversion option after logging into your PNB credit card account.
4. Select Tenure & Interest Rate - Find the suitable interest rates and select a repayment period (3, 6, 9, 12, or more months).
5. Verify & Continue - After you confirm, the entire purchase price is divided into manageable monthly payments.
When I first realized I could “stretch out” big spends into smaller monthly payments on my PNB credit card, it felt like a relief — it gave me flexibility without losing out on using the card. That said, converting your PNB credit card purchases into EMI is quite doable, as long as you meet certain conditions and act within the allowed time. Here’s how you can go about it:
What PNB calls their EMI facility
• PNB offers an “Easy Pay Plan” (EMI Facility) that lets you convert eligible retail transactions on your PNB credit card into EMIs (installments).
Eligibility & Conditions
• The transaction must be a retail purchase (not fuel, cash withdrawal, or gold jewelry) done through POS or e-commerce.
• Each transaction must be at least ₹2,500 (or more depending on card variant) to convert.
• You must place the request within 30 days of the transaction or before the payment due date, whichever is earlier.
• Your credit card should not be overlimit, overdue, or delinquent.
How to Apply / Convert to EMI:
You can convert your purchase into EMI using one of these methods:
1. PNB Genie App / Online Portal
Log in and look for “EMI / Easy Pay Plan” or “Convert to EMI” option.
2. Customer Helpline / Email
Call PNB’s credit card helpline (such as 1800 180 2345) from your registered mobile. Or send an email from your registered email address to [email protected] requesting the EMI conversion.
3. EMI Application Form
Download the Easy Pay Plan / EMI application form from PNB’s website, fill it, and submit it to the PNB Credit Card Processing Center.
Tenure, Charges & Interest Rates
Available tenures: 3, 6, 9, 12, 18, 24, 36 months (note: 36-month tenure may only apply for higher amounts)
Processing fee: 2% of transaction amount (or ₹200, whichever is higher) + applicable GST
Finance charges: 18% p.a. (1.5% per month, on reducing balance)
Prepayment / Foreclosure charge: ~ 3% of outstanding amount if you pay off before schedule.
Here’s the official page where PNB describes their EMI facility: