Is there any app to transfer funds from a PNB credit card to any other bank account without using a wallet?

Hey brother, here’s how you can transfer funds from your PNB credit card to a bank account without using a wallet.

I get it, man. Sometimes you don’t want to mess with wallets like Paytm or Google Pay, and you just need to get the funds from your PNB credit card straight into your bank account. While credit cards aren’t really built for that, there are still a few ways you can do it. I’m going to break it down for you step by step.

Use Internet Banking or the PNB Mobile App
First off, you’ll want to check out PNB’s Internet Banking or the PNB mobile app. Sometimes they have options that let you transfer money from your credit card to your bank account. It’s not always front and center, but look for things like ‘Cash Advance’ or ‘Balance Transfer.’

Here’s what you can do:

Log into PNB Internet Banking or open the PNB app on your phone.
Head over to the credit card section.
Check if they’ve got something like Cash Advance or Balance Transfer.
If it’s there, just follow the steps, and boom—you’re done. But, heads up, they might charge fees for this.

Cash Advance at an ATM
Another way to move money from your credit card to your account is to use PNB’s Cash Advance feature. Basically, you take out cash from your credit card limit, and then you can deposit that straight into your bank account. It’s a bit old school but it works.

Here’s how:

Hit up any ATM that works with PNB credit cards.
Select the Cash Advance option to withdraw some cash.
After that, just go to your bank and deposit it, or use the ATM if it supports cash deposits.
Warning though: Cash advances usually come with high-interest rates and fees, so you really don’t want to use this method unless you have to.

Balance Transfer
You could also try Balance Transfer, which is where you take the money from one credit card and shift it to your bank account. Some cards even offer this at a lower interest rate compared to cash advances, which is a bonus.

Here’s how to go about it:

Give PNB customer service a call and ask them if they allow balance transfers to a bank account.
If they do, you can transfer the funds directly to your bank or even to a different one.
Usually, balance transfers give you a lower interest rate, especially during promotional periods, so this might save you some cash in the long run.

Third-Party Services (No Wallet Involved)
There are also some third-party services out there that can get the job done. These guys will take your credit card payment and transfer the funds to your bank account without going through a wallet app.

Just be careful though, man—make sure the service you pick is legit. Check their reviews, make sure they don’t charge hidden fees, and see if they meet financial regulations.

Things to Keep in Mind:
A couple of things you need to think about when you’re transferring money from your credit card to a bank account:

Interest Rates & Fees: Most of these methods—especially cash advances—are gonna hit you with high interest and fees. Make sure you check what they are before you go ahead with the transfer.

Credit Card Terms: PNB might have some rules about what you can and can’t do with your credit card, so always give the terms a quick read before transferring.

Credit Score Impact: Doing stuff like this could mess with your credit score, so you’ve got to be smart about it. Pay off any balances fast, or else you’ll be stuck paying tons of interest.

Repayment Period: Always know when you need to pay it back. Otherwise, you might end up paying a lot more than you planned.

Other Options If You’re Not Feeling the Direct Transfer
If transferring from your PNB credit card straight to your bank account feels like too much hassle, here are a few alternatives that might work better for you:

Personal Loan Against Credit Card

You can actually get a personal loan using your credit card as collateral. The interest rates are usually lower than a cash advance, and you can transfer the money straight to your bank account.

Just call PNB and ask if they offer personal loans on credit cards. You might get a better deal this way.

Use Your Debit Card

If you’ve got a PNB debit card, why not use that for transfers or withdrawals? You won’t have to worry about those crazy high-interest rates that come with credit card cash advances.

Bank-to-Bank Wire Transfer

If you’ve got another account, you can always do a wire transfer from bank to bank. It’s instant, secure, and doesn’t involve any wallets, which is exactly what you’re looking for.

Bottom Line
So yeah, bro, transferring money from your PNB credit card to a bank account without using a wallet isn’t super easy, but it’s totally doable. Whether you’re using cash advances, balance transfers, or some third-party service, just make sure you’re clear on all the fees and interest rates involved.

And remember, there are some other options like personal loans that might save you some cash in the long run. Just weigh your options and go with what works best for you.

Good luck, and hit me up if you need more help with this!