How to Open PNB Bank Credit Card Statement PDF

How Much Market Share Do PNB Credit Cards Hold in India?

As per the Data from CNBC-TV18, Punjab National Bank is the second-largest public sector bank in India that holding 0.49% market share in the Indian credit card space and growing. The bank is expanding there services with digital products, such as E-statement.

Let’s understand what a credit card e-statement means.

An e-statement is an Electronic version or soft copy of your credit card account statement sent via email. Unlike a traditional account statement, the credit card e-statement also functions as your monthly bill, showing:

• Your 45-day last bill amount
• Due date
• Minimum due
• Your Available limit

Why Is the PNB Card Statement PDF Locked?

Your monthly credit card statement arrives in PDF format, and it’s password-protected for your safety.

This is to make sure only you — not someone who gains access to your inbox — can open it.

It contains private info like:

• Your credit card number (partially masked)
• List of all transactions
• Your Home Address and Mobile Number
• Email, Customer ID, and your total outstanding
• Reward points (if applicable)

So yes, the password is not a bug — it’s a security layer.

Where Can You Find Your Credit Card Statement from PNB?

Here are 3 official ways:

1. Email (most common):

• Check your inbox for the PDF attached email received from PNB.
• Search keywords like: Card name + statement + pdf + month. (optional)
• Check your spam folder in the menu if you can’t find it.

2. PNB Genie App:

1. First, you need to download the PNB Genie app from the Google Play Store or the Apple App Store.
2. Register using your credit card number, PAN, Date of Birth, and OTP.
3. Set a 6-digit MPIN for login every time.
4. Log in and navigate to View Statement.
5. Select the period and download your statement.
6. Once downloaded, the PDF will require a password to open

3. PNB WhatsApp Banking:

1. Save the currently working WhatsApp PNB number – +91-9264092640
2. Send hi, accept terms, and enter OTP to register it.
3. Now, on the main menu, select
   Account Related Services.
4. Tap on the account statement, choose the month, and download it directly to your phone’s downloads folder.

All these methods need a password to open. Follow the next step –

What Is the Password to Open the PNB Statement PDF?

As per the PNB Card official website, to view your credit card e-statement, the bank sets a password as your 1st four characters of your name printed on the card (in lowercase) and your Date of Birth in DDMMYYYY format.

Let me give you a straightforward example: if your name is Rohit printed on the card and your DOB is 15/09/1985 = the password will be rohi15091985.

1. Please, make sure your Full name and DOB match exactly what’s registered with PNB. Check the documents while entering them.
2. Avoid using uppercase, symbols, extra words, and extra spaces.

What If the Name on the Card Is Abbreviated or Unusual?

Good question! PNB uses exact card-printed names for password logic.

Example:

• If the name is “S. Roy” → use s.roDDMMYYYY
• If name is “Anu” and surname is “Jain” → use anujDDMMYYYY

Always look at your actual credit card plastic for the correct name, not your PAN or Aadhaar.

How to Get Old or Printed Statements?

If you want a physical copy of an old credit card statement for submission or other work?

Yes! PNB offers duplicate statements (beyond 3 months) for a fee of Rs. 50/-. (No charge for e-statements or cards against fixed deposits.)

To request a duplicate hard-copy credit card statement:

• Open the PNB Genie app
• Log in with your 6-digit MPIN
• On the main menu, select Service request
• Tap on Request Duplicate Statement
• Choose your address, confirm the fee.
• Get the delivery date on the screen.

Need for a visa/official use? Ask for a physical printout from the branch with the official stamp of PNB.

What If You Didn’t Receive the Punjab National Bank Card Statement Email?

It happens. Here’s what to check:

• First, check Spam, updates, and promotional folder (Also, the trash folder, it deletes after a while)
• Tap on Gmail Account and check Email storage is full or not.
• Confirm Card has been inactive or active last few months? (no transactions = no statement)
• Check whether you have activated the Statement subscription or not. Simply activate it using the PNB Card Portal.

If still not resolved, your issue can be more technical in that way. You can call the bank executive for help.

• Toll-free Telephone Numbers: 0120 – 4616200 and 1800 180 2345
• Mailing Address: C-24, Sector 58, Noida, Uttar Pradesh – 201301
• Email Support: You can drop an email at creditcardpnb@pnb.co.in with a Screenshot of the issue. It may take 3-4 working days to solve it.

Getting an Error Or File corruption after download, here are the fixes

As per the PNB Email Body, they recommend using Adobe Acrobat Reader version 6.0 or above for better compatibility. However, you can use Google PDF Viewer, WPS Office, or any other trusted PDF reader.

still not working, try these –

Error Type	Fix
Wrong Password	Use card-printed name, lowercase, no spaces
Blank File	Try a different PDF app or device
Corrupted File	Re-download from email
No response	Open your Play Store, go to update apps, and reinstall your PDF app, WPS Office or Foxit.
Stuck despite trying everything	Send them an email here: creditcardpnb@pnb.co.in

Bonus Tips to Save Time & Avoid Mistakes

1. Save your password formula in your Notes app
2. Don’t assume your name — check what’s printed on the card
3. Mark PNB as “Safe Sender” in your Gmail to avoid spam filters
4. Open statement PDFs on a desktop for smoother password input
5. Keep your card active — no usage = no statement
6. Update your registered email every time you change jobs or phones
7. Backup important PDFs to Google Drive monthly for future ITR or credit use

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