You can register for the People’s Bank Credit Card online without visiting a branch.
This guide explains the card’s features, interest rates, fees, and the full online registration process.
You will know what to prepare and how to submit your application correctly.
Key Features and Benefits
These key features and benefits explain how the People’s Bank Credit Card supports your everyday spending and account management.
- Wide acceptance – You can use the card for local and international purchases where supported.
- Flexible credit limit – Your limit is set based on your profile and usage history.
- Online account access – You can track spending, statements, and payments digitally.
- Installment payment options – You may convert eligible purchases into installments, subject to terms.
- Security protection – You benefit from transaction monitoring and fraud prevention tools.
- Cash advance access – You can withdraw cash within approved limits, with applicable fees.
Interest Rates and Fees Overview
This verified interest rates and fees overview shows specific, real terms based on the bank’s published tariff guides.
- Purchase and cash interest rate – Standard interest on purchases and cash transactions is 26% per year on retail and cash balances.
- Card-against-deposit interest – If your card is secured against an FD or savings deposit, the interest rate is 22% per year.
- Annual fee – The primary card’s annual fee is Rs. 7,000, with the first year free on many cards.
- Supplementary card fee – Fee for additional cards varies by card type (e.g., Rs. 1,000 – 1,000+).
- Cash advance/withdrawal fee – A fee of 3.5% of the amount withdrawn typically applies to cash advances.
- Late payment/other fees – Late payment and service penalties apply in accordance with the bank’s tariff schedule.
What You Need Before You Start
Preparing these requirements in advance helps you complete the online registration without delays.
- Valid identification – Government-issued ID for identity verification
- Personal information – Full name, date of birth, and current address
- Contact details – Active mobile number and email address
- Income details – Employment status and basic income information
- Banking information – Existing account details, if required for verification
- Device and internet access – Smartphone or computer with a stable connection
Accessing the Official Registration Platform
You can start your application by accessing the bank’s official digital channels.
- Official website – Use the bank’s verified website to begin the online registration.
- Mobile banking app – Apply through the official app for guided step-by-step access.
- Account login – Sign in using your existing online banking credentials, if available.
- New user registration – Create an online account if you are a first-time digital user.
- Secure connection check – Confirm the platform shows security indicators before entering details.
Step-by-Step Online Registration Process
Following these steps helps you complete the People’s Bank Credit Card online registration correctly and without delays.
- Account access – Log in to the official website or mobile app.
- Application selection – Choose the credit card application option.
- Personal details entry – Fill in your identification and contact information.
- Financial information – Provide income and employment details as requested.
- Card selection – Select the available card type and preferred options.
- Document upload – Submit required identification and supporting files.
- Review and submit – Check all details carefully before final submission.
Verification and Approval Process
This verification and approval process explains how your People’s Bank Credit Card application is reviewed after submission.
- Application receipt – Your online application is logged into the bank’s system.
- Identity verification – Your government-issued ID is checked for validity and accuracy.
- Information validation – Personal, contact, and income details are reviewed for consistency.
- Credit assessment – Your credit profile is evaluated based on internal banking criteria.
- Compliance checks – Regulatory and risk checks are completed as required by banking rules.
- Final decision – You receive an approval, a request for additional documents, or a rejection notice.
- Official notification – The result is sent through the app, SMS, email, or online banking inbox.
What Happens After Approval
After approval, these steps explain how you receive and start using your card.
- Approval confirmation – You receive an official notice through the app, SMS, or email.
- Card issuance – The physical card is prepared, or a digital card becomes available.
- Card delivery – The card is sent to your registered address, if a physical card applies.
- Activation process – You activate the card through the official website, app, or phone service.
- PIN setup – You set or receive your PIN for secure transactions.
- First use readiness – The card is ready for purchases once activation is complete.
Managing Your Credit Card Account Online
Managing your card account online helps you control spending, payments, and security in one place.
- Balance and limit checks – You can view your outstanding balance and available credit at any time.
- Transaction history – You can track purchases and cash advances in real time.
- Statement access – You can view and download monthly statements digitally.
- Online payments – You can make payments through online banking or linked accounts.
- Alerts and notifications – You receive updates for transactions, due dates, and account activity.
- Card controls – You can manage PINs, limits, and card settings where supported.
Common Issues and How to Avoid Delays
Knowing these common issues helps you avoid delays when applying for and using your card.
- Incomplete application details – Double-check all fields before submitting.
- Invalid or unclear documents – Upload clear, valid copies that match your information.
- Mismatched personal data – Ensure your name, ID number, and address are consistent.
- Missing income information – Provide accurate employment and income details as requested.
- Unverified contact details – Use an active phone number and email you can access.
- Delayed responses to bank requests – Respond promptly if additional documents are requested.
Security and Fraud Protection Measures
These security and fraud protection measures help keep your People’s Bank Credit Card account and transactions safe.
- Transaction monitoring – Card activity is monitored to detect unusual spending patterns.
- OTP and verification codes – One-time passwords are used for online and sensitive transactions.
- PIN protection – Your card requires a secure PIN for in-store and ATM use.
- Online access controls – Login and transaction approvals are protected by multiple layers of security.
- Instant alerts – You receive notifications for transactions and account changes.
- Card blocking options – You can block the card quickly through official channels if needed.
Customer Support and Official Contact Channels
These customer support and contact channels help you get help for your People’s Bank Credit Card questions and issues.
- Phone support (Call Center) – Call 1961 for general credit card and banking inquiries.
- Overseas hotline – For international calls, dial +94 11 2031001.
- Head Office phone – Reach the head office at +94 11 3740740.
- Official email support – Send questions to [email protected].
- Branch support – Visit a local People’s Bank branch for in-person help.
- Official social media – Connect with verified channels on Facebook for updates.
To Wrap Up
You now understand how to apply for and manage the People’s Bank Credit Card online.
Following the steps and preparing your documents helps avoid delays and errors.
If you are ready, start your online registration through the official platform and submit your application today.
Disclaimer
Information in this article is for general guidance and may change based on bank policy or regulatory updates.
You should always confirm current rates, fees, and terms directly through People’s Bank’s official channels before applying.
