What is the fee charged when a PNB credit cardholder spends more than their approved credit limit? Is the over-limit fee a fixed amount or a percentage of the exceeded amount? What is the minimum and maximum over-limit fee charged? Do all PNB credit cards allow transactions beyond the credit limit? Are over-limit transactions approved automatically, or do they require prior consent from the cardholder? Does the over-limit amount attract additional interest apart from the fee? Is the entire outstanding balance subject to a higher interest rate if the credit limit is exceeded? Can frequent over-limit transactions impact credit scores? Does PNB provide an option to increase the credit limit to avoid over-limit charges? How does PNB’s over-limit fee compare with other banks’ policies? Are there any waivers or exceptions for premium or loyal customers?
PNB Credit Cards in India:
- Over-Limit Fee: 2.5% of the amount exceeding the credit limit, subject to a minimum charge.
- PNB Visa Classic Card: Minimum of ₹250
- PNB Visa Gold Card: Minimum of ₹250
- PNB Visa Platinum Card: Minimum of ₹500
- PNB Visa Signature Card: Minimum of ₹500
- Credit Cards Issued Against Fixed Deposits: Minimum of ₹250 PNB Card
PNB Credit Cards in the Philippines:
- Over-Limit Fee: PHP 500 or USD 10 per occurrence.
- Note: The PNB Ze-Lo Mastercard does not charge an over-limit fee. PNB Cards