What is Punjab National Bank Credit Card Against FD?

Punjab National Bank credit card against FD is the facility of a secured credit card against the eligible PNB fixed deposit. A lien is marked against the chosen fixed deposit, and the credit limit can be up to 80% of the FD principal, which is subject to PNB's applicable limits and eligibility criteria.

What is the minimum FD amount for PNB credit card against FD?

The minimum amount of FD required to obtain a PNB credit card against FD is ₹13,000. The eligible FD will secure the credit card, and the credit limit may be up to 80% of the FD principal, which is subject to PNB terms and conditions.

What is the maximum FD amount for a credit card against FD of PNB?

The maximum amount of FD covered under the PNB ONE digital facility is ₹5 lakh. An eligible FD of ₹5 lakh can correspond to a credit limit of up to ₹4 lakh under the 80% limit, subject to PNB's applicable terms and eligibility criteria.

What is the maximum credit limit against FD in PNB?

The maximum credit limit under the PNB ONE FD-backed credit-card facility is ₹4 lakh. The limit is calculated at up to 80% of the principal amount of eligible FD(s), subject to the applicable limits and eligibility criteria.

Which cards are available against FD through PNB ONE?

PNB offers PNB RuPay Platinum, PNB Classic and PNB Gold through the digital FD-backed facility. The credit limit is calculated at up to 80% of the principal amount of the selected eligible FD(s), subject to the ₹10,000 minimum and ₹4 lakh maximum limits.

What are the PNB FD interest rates for a credit card against FD?

PNB FD interest rates vary by deposit tenure, deposit amount and depositor category. An eligible PNB fixed deposit can be used as security for a credit card against FD, while the investor can continuously earn interest at the applicable FD rate.

PNB Credit Card Against FD

Punjab National Bank offers an FD-backed secured credit card with a credit limit up to 80% of the principal FD amount. It is subject to a minimum credit limit of ₹10,000 and a maximum of ₹4 lakh under the PNB ONE app facility.

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Key Highlights of PNB Credit Card Against FD

The table below shows the main characteristics of the Punjab National Bank credit card in comparison to FD, such as secured credit limit, card variants that can be used, the amount of the FD, fees, and other relevant conditions.

Feature	Details
Card Name	PNB RuPay Platinum, Visa Classic, and Visa Gold
Minimum FD Amount	₹13,000
Maximum FD Amount	₹5,00,000 through PNB ONE
Credit Limit Against FD	Up to 80% of the principal amount of the selected FD(s)
Minimum Credit Limit	₹10,000
Maximum Credit Limit	₹4,00,000 through the digital PNB ONE
Joining Fee	Nil for credit cards issued against the bank's lien on FD
Annual Fee	Nil for credit cards issued against the bank's lien on FD
Interest Rate on FD-backed Card	1.5% per month for cards against Fixed Deposit on revolving credit
Interest-Free Period	20–50 days on eligible retail purchases, subject to applicable conditions. The linked FD continues to earn interest at the applicable PNB FD interest rates.
Income Proof	No income proof required
Documentation	Zero documentation under the digital PNB ONE journey
Minimum FD Tenure	30 days; for PNB ONE applications, the FDR should have been opened at least 30 days before applying
FD Ownership	FD must be in a single name with operation mode as Self
Lien on FD	Lien is marked on all selected FD(s)
Application Channel	PNB ONE mobile banking app
Card Delivery	7–10 working days after application sanction

*Card terms updated and last verified in October 2026

Punjab National Bank Secured Credit Card Variants

The table below compares the PNB FD-backed credit card variants offered by the digital FD-backed credit card. The credit limit will be calculated according to the chosen FD principal and limited to ₹4 lakh under the PNB ONE conditions.

Card Variant	Minimum FD	Credit Limit	Joining Fee	Annual Fee
PNB RuPay Platinum (On RuPay Platform)	₹13,000	Up to 80%	Nil	Nil
PNB Classic (On VISA Platform)	₹13,000	Up to 80%	Nil	Nil
PNB Gold (On VISA Platform)	₹13,000	Up to 80%	Nil	Nil

Why Choose a Credit Card Against FD from Punjab National Bank?

A Punjab National Bank credit card against FD is a secured way to get liquidity without closing your deposits. It comes with these advantages:

Affordable FD requirement: The minimum FD required in the digital facility is ₹13,000.
No income proof: PNB says no income evidence is needed in this FD-backed facility.
Option to select FD: The cardmember has the flexibility to choose between one FD or multiple FDs to avail this credit card facility.
Secured by Lien: A lien is placed on all the FDs which are selected in the application process.
Interest Free Period: PNB Credit Cards provide a 20-50-day interest-free period on retail transactions approved on this card based on certain terms and conditions.
Cash Withdrawal: Cash withdrawal is available through ATMs according to PNB's applicable cash-advance limits and charges.

Eligibility Criteria for PNB Credit Card Against FD

The factors below explain the eligibility criteria for the PNB credit card against FD.

Age: The applicant needs to be aged 18 to 75 years.
PNB Fixed Deposit: The candidate should have a fixed deposit that is held at PNB.
FD Amount: The amount of the eligible FD is from ₹13,000 to ₹5 lakh with the digital PNB ONE facility.
FD Tenure: The FD must have a minimum investment tenure of 30 days, and for applications through PNB ONE, the FDR should have been opened at least 30 days before the application.
FD Holder: The FD will have to be held in a single name, with the mode of operation being Self.
One FD or Combination FDs: Applicants may opt for one FD or any combination of eligible FDs.
Income Proof: The FD-backed facility does not need any income proof.
Lien: A lien is marked on all FDs selected for the card application.

Documents Required for PNB FD-Backed Credit Card

The PNB FD-backed credit card has a digital application process. PNB states that the PNB ONE process involves zero documentation. The applicants can utilise their current PNB ONE profile and valid FD information to fill out the application.

How to Apply for Punjab National Bank Credit Card Against FD

PNB credit cards can be digitally applied for by eligible PNB customers against fixed deposits using the PNB ONE mobile banking application. The process enables customers to choose the eligible FD(s), see the approved credit limit and pick the available card type.

Online Process Through PNB ONE

The steps to apply for a Punjab National Bank secured credit card against an FD are as follows:

Login to PNB ONE: Login into the PNB ONE Mobile Banking app using the registered credentials to login.
Select Credit Card against FD: Select the ‘Credit Card against FD’ option and select the eligible FDs.
Check Credit Limit: Find out the credit limit that is applicable to the selected FDs where a lien is made on the deposit.
Select Card Variant: Select the eligible card variant, enter the email ID and preferred name on the card and provide nomination details if the selected card is RuPay.
Complete Application: Enter other details and submit the application using OTP
Card Issuance: The application is submitted after OTP verification. PNB states that the physical card is delivered within 7–10 working days after sanction.

Offline Process

The PNB ONE facility is the specified digital route for applying for a credit card against eligible FDs. Customers applying for branch application should communicate with PNB branches to find out the relevant eligibility, documentation, and process of getting the card issued.

Visit a PNB branch: Contact the nearest Punjab National Bank branch.
Check eligibility: Confirm the applicable FD and credit-card requirements.
Maintain an eligible FD: Open or maintain an eligible PNB fixed deposit.
Submit the application: Complete the applicable credit-card application process.
Complete verification: PNB verifies the applicant, FD and other applicable details.
Card issuance: Receive the card after approval and completion of the applicable process.

FAQs

What is Punjab National Bank Credit Card Against FD?

Punjab National Bank credit card against FD is the facility of a secured credit card against the eligible PNB fixed deposit. A lien is marked against the chosen fixed deposit, and the credit limit can be up to 80% of the FD principal, which is subject to PNB's applicable limits and eligibility criteria.
What is the minimum FD amount for PNB credit card against FD?

The minimum amount of FD required to obtain a PNB credit card against FD is ₹13,000. The eligible FD will secure the credit card, and the credit limit may be up to 80% of the FD principal, which is subject to PNB terms and conditions.
What is the maximum FD amount for a credit card against FD of PNB?

The maximum amount of FD covered under the PNB ONE digital facility is ₹5 lakh. An eligible FD of ₹5 lakh can correspond to a credit limit of up to ₹4 lakh under the 80% limit, subject to PNB's applicable terms and eligibility criteria.
What is the maximum credit limit against FD in PNB?

The maximum credit limit under the PNB ONE FD-backed credit-card facility is ₹4 lakh. The limit is calculated at up to 80% of the principal amount of eligible FD(s), subject to the applicable limits and eligibility criteria.
Which cards are available against FD through PNB ONE?

PNB offers PNB RuPay Platinum, PNB Classic and PNB Gold through the digital FD-backed facility. The credit limit is calculated at up to 80% of the principal amount of the selected eligible FD(s), subject to the ₹10,000 minimum and ₹4 lakh maximum limits.
What are the PNB FD interest rates for a credit card against FD?

PNB FD interest rates vary by deposit tenure, deposit amount and depositor category. An eligible PNB fixed deposit can be used as security for a credit card against FD, while the investor can continuously earn interest at the applicable FD rate.