Punjab National Bank Credit Card Bill Payment
Every way to pay your Punjab National Bank credit card bill — app, net banking, UPI, BBPS, NEFT/IMPS, auto-debit — with posting times, charges and late fees.
Checked 28 September 2026 · Source: pnbcard.in, pnb.bank.inWays to pay your Punjab National Bank credit card bill
- PNB net banking
- PNB ONE app
- Autodebit / standing instruction
- NEFTIFSC PUNB0112000, card number as account
- BillDesk
- ECS
- Cash at PNB branch
- Cheque / DD at branch or ATM drop box
When will the payment reflect?
App, UPI and BBPS payments usually reflect the same day; NEFT may take a few hours to a working day; cheques and branch payments can take 2–4 working days.
Pay at least 2–3 working days before the due date when using slower modes. A payment counts as on time only when it is credited to the card account.
Due date, total due and minimum amount due
| Term | Meaning |
|---|---|
| Statement date | End of the billing cycle; your spends are totalled |
| Payment due date | Usually 15–20 days after the statement — you get at least a fortnight to pay |
| Total amount due | Pay this to avoid interest and keep the interest-free period |
| Minimum amount due (MAD) | Avoids the late fee, but interest applies on the entire unpaid balance from each transaction date |
| Grace for late fee | Late fee applies only if payment is more than 3 days past due, on the unpaid amount |
What paying only the minimum costs
| Interest (3.75% p.m.) | Minimum due paid (5%) | Balance after payment | |
|---|---|---|---|
| Month 1 | ₹3,750 | ₹5,188 | ₹99,237 |
| Month 3 | ₹3,693 | ₹5,109 | ₹97,729 |
| Month 6 | ₹3,609 | ₹4,993 | ₹95,510 |
| Month 12 | ₹3,447 | ₹4,769 | ₹91,222 |
₹1 lakh revolved, paying only 5% minimum due each month; interest + 18% GST. After a year you have paid ₹59,706 and still owe ₹91,222.
Late payment charges
| Amount outstanding | HDFC Bank | SBI Card |
|---|---|---|
| Up to ₹100 | Nil | Nil |
| ₹101 – ₹500 | ₹100 | ₹100 |
| ₹501 – ₹1,000 | ₹500 | ₹500 |
| ₹1,001 – ₹5,000 | ₹600 | ₹750 |
| ₹5,001 – ₹10,000 | ₹750 | ₹750 |
| ₹10,001 – ₹25,000 | ₹900 | ₹950 |
| ₹25,001 – ₹50,000 | ₹1,100 | ₹1,100 |
| Above ₹50,000 | ₹1,300 | ₹1,300 |
Plus 18% GST. Charged only if payment is more than 3 days past the due date, on the unpaid amount. Other issuers use similar slabs — check your card’s MITC.
Credit card interest calculator
Frequently asked questions
How can I pay my Punjab National Bank credit card bill?
PNB net banking; PNB ONE app; Auto-debit / standing instruction; NEFT (IFSC PUNB0112000, card number as account).
How long does a payment take to reflect?
Instant for app, UPI and BBPS payments at most issuers; NEFT/cheque can take 1–3 working days — pay a few days early.
What happens if I pay only the minimum amount due?
You avoid the late fee, but interest of about 3.5%–3.75% a month is charged on the whole unpaid balance from each transaction date, and new purchases lose their interest-free period.
Is there a charge for paying by cash or cheque?
Many issuers now charge for branch cash or cheque drop-box payments (e.g. SBI Card ₹250 cash / ₹200 cheque). Digital modes are free.
Details compiled from Punjab National Bank’s official pages (pnbcard.in, pnb.bank.in, www.bankbazaar.com) and reputable sources on 28 September 2026. FinancePortal is not affiliated with Punjab National Bank; confirm on the issuer’s website.