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What is the PNB Credit Card Limit?

Punjab National Bank (PNB) credit cards offer several benefits that are sure to make your transactions extremely rewarding. However, to enjoy these benefits, you must transact within the set credit card limit. So, what is the Punjab National Bank credit card limit? The PNB card limit is the maximum amount that is available on your credit card for spending. If you overshoot the credit limit, your credit score will take a hit, thereby hampering your chances of securing a loan in the future. Also, you will be required to pay an over-limit fee as a penalty. Read on to know more about the PNB credit card limit.

What are the Different Types of PNB Credit Card Limit?

There are two types of PNB credit limit- the total credit card limit and the available credit limit. The first is the total amount of money you have available on your card when there are no transactions on it. As a result, this is the maximum money you can borrow on your PNB credit card. The second type of PNB credit card limit is the total credit limit minus the amount spent on the card. This makes up the total amount available to you for spending on your card, on a given day.

How is the PNB Credit Card Limit Decided?

The Punjab National Bank takes into account several factors when deciding the total credit limit of your card. These may include, but not be limited to, the below-mentioned factors:

  • Income- The amount of money you earn plays an important and positive role in deciding your credit limit. The higher the income, the higher will be your credit limit.

  • Debts- Debt has an exactly opposite effect to income, on the credit limit. If you have too many pending loans, uncleared card dues, etc., your credit limit will be lower.

  • Credit Score- A high credit score is your key to securing a high credit limit. So, you should work on improving your credit score before you apply for a credit card.




The bank will communicate the decided credit limit after processing your application.

How to Opt for PNB Credit Card Limit Increase?

While the bank does set the PNB credit card limit, you can always opt for increasing it. A higher credit limit would reduce your credit utilisation ratio and help fetch you a higher score. It will also aid you in times of financial emergencies and help you secure a loan easily.


If you have a PNB credit card and want to opt for a credit limit increase, here are the steps you would need to follow:

  • Pay your outstanding dues on your PNB credit card statement in full and on time.

  • Provide a genuine reason and request the bank to increase the card limit based on your repayment history.

  • Always keep your credit utilisation ratio less than 30 per cent to get a ‘PNB credit card increase limit’ offer from the bank.

  • Get a credit card with a higher credit limit than your existing card and request PNB to increase your limit by taking your new card’s limit into consideration.

How to Do PNB Credit Card Limit Check?

If you have a PNB credit card, you can check the credit card limit via any of the below-mentioned online and offline channels:

1) PNB Credit Card Limit Check Through Net Banking

  • Step 1: Visit the PNB credit card net banking portal.
  • Step 2: Log in to your account using the credentials.
  • Step 3: Go to the 'Credit Card’ section.
  • Step 4: Choose the credit card for which you wish to view the limit.
  • Step 5: Click on 'View account summary' to see your total and available credit limit.

2) PNB Credit Card Limit Check via Email

You can also write to the Punjab National Bank, from your registered email ID, requesting the bank to share the details related to your credit card limit. You would need to send the e-mail on their credit card customer care creditcardpnb@pnb.co.in.

3) PNB Credit Limit Check Through Customer Care

You can call the PNB credit card customer care 24x7 number 1800 180 2345 or the PNB credit card customer care number (Tolled) on 0120 – 4616200 and request a bank representative to assist you with information about your credit card limit.

4) PNB Card Limit Check at Bank Branch

You can visit your nearest Punjab National Bank and request a representative to inform you about your total and available credit limit. Do note that you might be required to provide some form of ID for verification.


 The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

 The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs About PNB Credit Card Limit

How much of my PNB credit card limit can I use?

You can use the total amount available on your PNB credit card. However, you must keep your credit utilisation ratio, i.e. the ratio between the total credit limit and your expenses, low, approximately less than 30 per cent in a month.

How can I increase my PNB credit card limit?

If you need access to more funds, you can reach out to PNB to increase your credit limit. You can provide a genuine reason and request the bank to increase the card limit based on your repayment history or the higher limit of your other credit cards. Alternatively, you can wait for the bank to reach out. If you keep your credit utilisation ratio less than 30 per cent and pay your credit card bill in full and on time, you improve your chances of securing an offer from the bank.

What is the PNB one day transaction limit on credit card?

A default PNB one day transaction limit would be assigned to your card for online transactions, cash withdrawals, etc. You can modify the same from your PNB netbanking account or mobile app.

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