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"Dear Customers, Please don`t share with any one details of your Account/Debit Card / Internet Banking / Mobile Banking / password/ Pin numbers/ OTP/ email-id . The e-mails /calls / SMS asking such information are fraudulent and are never from Bank / RBI / Income Tax / Police Authorities /Call Centre. In case of any of these suspected activities, please change your Passwords / PIN immediately . Bank does not incur any liability for the same."

PNB Debit Card

1PNB Debit Card

Debit cards are chip-based cards. In addition to performing the function of withdrawing cash from the ATMs, these can also be used to make purchases at Point of Sale i.e. at merchant establishment or over the internet for e-commerce transactions.

These cards are accepted at all ATMs and Merchant Establishments with POS machines and also over the internet for ecommerce transactions.


Add On cards and Add On accounts

Customer can avail facility of 2 additional cards for his/her family members (include parents, spouse and kids only). All cards work on main account of primary card holder.

Maximum of 3 accounts (one primary + 2 other accounts) can be added to a single card only at the time of issuance of card. Transactions are allowed on any account at PNB ATM only. On other bank ATM the Primary account will be shown.

The accounts can be of any CBS branch but these should be of the same name and held in same capacity.


CARD ISSUED BY BANK


Eligibililty

Eligibililty

Who are eligible for PNB Classic Debit Card :
  • All KYC compliant saving and Current Account holders who maintain the minimum balance and who regularly operate their account are eligible for a PNB Debit Card.
  • New customers are eligible for a PNB Debit Card at the time of opening the account.
  • Debit cards are also issued to individual customers having an overdraft facility, which is in the nature of a personal loan. This shall mean and include personal loans extended to individual customers in the form of a regular overdraft limit such as clean overdraft facility or overdraft facility against FD/NSCs/LICs etc. where operations through cheques are permitted.
  • Debit Card can be issued in Joint Accounts with "Either or Survivor"/"Former or Survivor" mandate. In "Either or Survivor" accounts, Cards can be issued to both the account holders whereas in "Former or Survivor" accounts card can be issued only to the Former. In joint Accounts where account has to be jointly operated Debit Card shall not be issued unless mandate for operation of account specifies "Either or Survivor" or "Former or Survivor".
  • Kissan Cash Credit account holders are eligible for Kissan Cards.
How to Apply?

How to Apply?

Who are eligible for Classic Debit Card :
  • Personalised Debit card can be obtained from any branch of PNB by filling a Debit Card application form.
  • In case of Non-Personalized card (without name/ photo) the card is issued immediately by branch.
  • In case of a personalized card (with name/ photo) the card can be made available after 7-10 days.
  • Eligible customers having no debit card in the account can apply through SMS ( DEBCARD 16 DIGIT A/C NUMBER>) at 5607040 by their registered mobile No.
Card Pin Application form

PLATINUM

There are two variant under this. Rupay and Master.

CASH WITHDRAW LIMIT PER DAY

50000

CASH WITHDRAW LIMIT ONE TIME

20000

ECOM/POS CONSOLIDATED LIMIT

125000

CLASSIC

There are two variant under this Rupay and Master

Personalised and Non Personalised debit card can be issued

CASH WITHDRAW LIMIT PER DAY

20000

CASH WITHDRAW LIMIT ONE TIME

15000

ECOM/POS CONSOLIDATED LIMIT

60000

GOLD

There is one variant under this, VISA.

Personalised and Non Personalised debit card can be issued

CASH WITHDRAW LIMIT PER DAY

50000

CASH WITHDRAW LIMIT ONE TIME

20000

ECOM/POS CONSOLIDATED LIMIT

125000

PNB Prepaid Cards

PNB UPHAAR CARD PNB SUVIDHA CARD

1PNB UPHAAR CARD

Uphaar Card is a gift card to be used by purchaser for personal use or for gifting purpose.

Features of the PNB Uphaar Card

  • PNB Uphaar Card is a versatile card that can be used at Point of Sale (POS) Terminals.
  • PNB Uphaar Card can be purchased for a minimum of Rs.100/- and a maximum of Rs.10,000/-.
  • It is ideal as a gift, both for individuals as well as Corporates.
  • PNB Uphaar Card can be purchased through Bank branches.
  • PNB Uphaar Card can be purchased by Account holders and others. Customers do not have account in PNB can avail the card by producing valid KYC documents.
  • The charges levied for the card is Rs.50/-
  • The PNB Uphaar Card cannot be reloaded.

2PNB SUVIDHA CARD

Suvidha Card is a pre-paid card to be used by the purchaser for their personal usage or a card that can be used by Corporates for making payment of salary/incentives/bonus etc. to their employees or for any other purpose apart from giving out as gifts.

Features of PNB Suvidha Card

  • PNB Suvidha Card is a versatile card that can be used at ATM as well as at Point of Sale (POS) Terminals.
  • PNB Suvidha Card can be purchased for a minimum of Rs.100/- and a maximum of Rs.100,000/-.
  • Daily usage limit up to Rs. 25000/- for ATM and on POS as per card balance.
  • It is ideal as a gift, both for individuals as well as Corporates.
  • PNB Suvidha Card can be purchased through Bank branches.
  • PNB Suvidha Card can be purchased by Account holders and others. Customers do not have account in PNB can avail the card by producing valid KYC documents.
  • The charges levied for the card is Rs.50/-
  • PNB Suvidha Card be reloaded through branches and Internet Banking.
Eligibililty

Eligibililty

Who are eligible for PNB Debit card
  • All KYC compliant saving and Current Account holders who maintain the minimum balance and who regularly operate their account are eligible for a PNB Debit Card.
  • New customers are eligible for a PNB Debit Card at the time of opening the account.
  • Debit cards are also issued to individual customers having an overdraft facility, which is in the nature of a personal loan. This shall mean and include personal loans extended to individual customers in the form of a regular overdraft limit such as clean overdraft facility or overdraft facility against FD/NSCs/LICs etc. where operations through cheques are permitted.
  • Debit Card can be issued in Joint Accounts with "Either or Survivor"/"Former or Survivor" mandate. In "Either or Survivor" accounts, Cards can be issued to both the account holders whereas in "Former or Survivor" accounts card can be issued only to the Former. In joint Accounts where account has to be jointly operated Debit Card shall not be issued unless mandate for operation of account specifies "Either or Survivor" or "Former or Survivor".
  • Kissan Cash Credit account holders are eligible for Kissan Cards.
How to Apply?

How to Apply?

Who are eligible for PNB Debit card
  • Personalised Debit card can be obtained from any branch of PNB by filling a Debit Card application form.
  • In case of Non-Personalized card (without name/ photo) the card is issued immediately by branch.
  • In case of a personalized card (with name/ photo) the card can be made available after 7-10 days.
  • Eligible customers having no debit card in the account can apply through SMS ( DEBCARD 16 DIGIT A/C NUMBER>) at 5607040 by their registered mobile No.

Cards Under Government Schemes

These Debit cards are available under one variant – Rupay


RuPay PMJDY

Know More

RuPay PMJDY

  • Under Pradhan Mantri Jan Dhan Yojana, PMJDY cards are issued to SBBDA account holders. The main objective of PMJDY card issuance is to achieve financial inclusion inclusion by providing maximum benefits like digital services through cards, free insurance facility and cashless convenience etc. to the customers.
  • This is a RuPay Classic Card.
  • The daily Cash limit is Rs.25000/- and POS transaction limit is Rs.60 000/-A
  • Accidental Death cover of Rs. 1 lac is available.

RuPay KISAN

Know More

RuPay KISAN

  • This is RuPay Classic debit card and is issued to KCC customers for use only in India.
  • Daily Cash limit Rs.25000/- and POS transaction limit Rs.60 000/-
  • Accidental Death cover of Rs. 1 lac is available.

MUDRA

Know More

MUDRA

  • RuPay MUDRA is a non personalized co-branded card along with MUDRA (Micro Units Development and Refinance Agency) Bank Ltd and issued on RuPay platform. MUDRA debit card is launched under PMMY (Prime Minister MUDRA Yojna) and will help the borrower access credit in flexible manner to meet their working capital needs.
  • Objective : To provide access to the working capital facility account to small micro units through MUDRA Ltd. and partner Bank.
Benefits :
  • Can be used to draw cash from any ATM or BC or make purchases using PoS terminal.
  • Has the facility to repay the amount as and when the surplus is available thereby reducing the interest burden and can be used to repay the amount using the Bank channel.
  • E-Commerce transactions.
Features :
  • Cash withdrawal on ATMs up to Rs 25,000/- per day however per withdrawal limit of Rs. 15,000/- at PNB ATMs and Rs. 10,000/- at other Bank ATMs. POS/E-commerce (combined) transactions limit up to Rs 60,000/- per day.
  • Annual charges (presently @ Rs 100 /- + service tax) would be levied on each card issued, after one year of the card issuance.

RuPay SAMAGRA

Know More

RuPay SAMAGRA

  • As per the direction of Govt. of Madhya Pradesh, RuPay Debit Cards are issued to customers under Samagra Scheme. This RuPay Debit Card is Bi-lingual and is being issued in Madhya Pradesh under PMJDY. These cards are to be issued only in Madhya Pradesh state.
  • This card can be issued in SBBDA accounts opened under Samagra scheme in Madhya Pradesh.
  • Daily Cash limit Rs.25000/- and POS transaction limit Rs.60 000/-
  • Accidental Death cover of Rs. 1 lac as applicable for RuPay Classic Card.

RuPay BHAMASHAH

Know More

RuPay BHAMASHAH

  • As per the direction of Govt. of Rajasthan, the RuPay Debit Cards are being issued under Bhamashah scheme. These cards are to be issued only in Rajasthan state.
  • This card can be issued in SBBDA accounts opened under Bhamashah scheme in Rajasthan.
  • Daily Cash limit Rs.25000/- and POS transaction limit Rs.60 000/-
  • Accidental Death cover of Rs. 1 lac as applicable for RuPay Classic Card.

PUNGRAIN HSAMB ARTHIYA

Know More

PUNGRAIN HSAMB ARTHIYA

  • Our bank has participated in the project for grain procurement of the Haryana Government as an issuer and acquirer Bank Under this project we are launching cards for Arthias of Mandis of Haryana State Agricultural Board. These cards can be used by Arthias at selected RuPay enabled PoS terminals identified by NPCI for receiving direct payment from procurement agencies of Punjab Government as well as for cash withdrawal at ATMs & PoS Transactions.
The salient features of these cards are as under:
  • This card will be magnetic strip card.
  • Cash withdrawal will be through RuPay enabled ATMs only
  • Card and PIN both are required at ATM and PoS terminals for operation of the card.
  • Can be used only in India for :
    • Cash Withdrawals at ATMs : Up to Rs. 25,000/- per day with per transaction limit of Rs.15000/-
    • PoS Transactions: Up to Rs. 60,000/- per day
  • Annual charges (presently @ Rs. 100/- + GST) would be levied on ea ch card issued, after one year of issuance of the card.

PUNGRAIN KISAN

Know More

PUNGRAIN KISAN

  • Our bank has been participating in the “Project for Food grain procurement through electronic remittance of Punjab Government as an issuer and acquirer Bank” since the last crop season w.e.f April, 2013. Under this project we have already launched Personalised Pungrain RuPay Debit cards for Arthias of designated Mandis of Punjab Government in the first phase. In the second phase, we are now launching Personalised Pungrain RuPay Kisan Cards for farmers. These cards can be used by farmers at selected RuPay enabled PoS terminals identified by NPCI for receiving direct payment from procurement agencies of Punjab Government as well as for cash withdrawal at ATMs & PoS Transactions.
The salient features of these cards are as under:
  • This card will be magnetic strip card.
  • Card can be issued to farmers having KCC limit/Saving Fund Account/Current Account in the bank.
  • Cash withdrawal through RuPay enabled ATMs only.
  • Card and PIN both are required at ATM and PoS terminals for operation of the card.
  • Can be used only in India for :
    • Cash Withdrawals at ATMs : Up to Rs. 25,000/- per day with per transaction limit of Rs.15000/- PoS Transactions: Up to Rs. 60,000/- per day
    • Annual charges (presently @ Rs. 100/- + GST) would be levied on each card issued, after one year of issuance of the card.

Insurance Claim

Monetary Compensation Scheme on debit card :

Accidental Insurance claim is available on both premium and non-premium debit card users.

Eligibility for Insurance claim for all card type-(Master/Visa/Rupay)

The card user must have done minimum one successful financial or non-financial transaction at any channel ( ATM/POS/ E-Commerce )

  • within 45 days prior to date of accident including accident date for Premium Cardholders.
  • within 90 days prior to date of accident including accident date for Non Premium Cardholders.

For Rupay cards holders, Insurance feature is available for both Accidental Death/ Permanent Disability:

Sr.No. Card variant Insurance Amount
1 Rupay Platinum Debit Card Rs.2,00,000/-
2 Rupay Select Debit Card Rs.10,00,000/-

Presently, there is no Insurance feature available for Rupay Classic Cards.

For Master card holders, Insurance feature is available for both Accidental Death Accidental Death/ Permanent Disability. This feature is valid till 26-05-2020.

Sr.No. Card variant Insurance Amount
1 Classic/ Kissan Debit Card Rs 50,000/-
2 Platinum/Gold Card/Rakshak Classic/ EMV International/signature card Rs 2,00,000/-
3 PNB Business Debit Card Rs 2,00,000/-

For VISA cards, currently there is no Insurance feature available for Accidental Death/ Permanent Disability.

Family member(s) / beneficiaries of a deceased PNB ATM / Debit Card holder should intimate their base branch within 90 days from the date of death.

Claim should be submitted within 90 days from the date of accident. In case it is submitted after 90 days, the insurance company will carry out an investigation & it would be honored if all other conditions are met as on date of accident.

Charges

ATM CUM DEBIT CARD CHARGES / PREPAID CARD CHARGES

Variant

Classic

Gold / Platinum / International / MasterCard Standard / Platinum Moment

Rupay Select Debit Card

Prepaid

Card issuance charges

Primary

Nil

Rs.250/-

Rs.500/-

Rs.50/-

Add on Card

Rs.150/-

N.A.

Annual Maintenance Charges

Rs.150/-

(From 2nd year onwards as 1st year charges are free)

(Nil for Classic- KCC / Classic-Mudra/ Classic - PMJDY)

For cards having balances above Rs.500/- on the date of expiry of card, Annual Maintenance fee of Rs.150/- will be levied & account will be maintained for one additional year, thereof. In case, balance goes below Rs.500/-, the entire balance will be forfeited and card will be closed.

Card surrender and transfer of unutilized balance

Not Applicable

Rs.250/-

Hot Listing

Nil

Card Replacement Charges

(Duplicate Issuance)

Rs.150/-

Duplicate PIN/ Regeneration of PIN through Branch

Rs.50/- (for request through branch; Exempted for Govt. Sponsored Scheme

Nil (if done through Green Pin at ATMs)

Transaction declined due to insufficient Balance

Rs.15/- (charges are applicable to staff also.)

For use of Bank’s own ATMs located in Metro and Non-Metro Areas

Free Transactions*

5 Transactions / Month

After Free Transactions*

Rs. 10/- per Transactions

Exempted from above charges:

A. Staff / Ex-staff

B. Cards issued in SBBDA

C. Defense personal and Pensioners

*Refer RBI circular RBI/2019-20/41 DPSS.CO.PD No 377/02.10.002/2019-20 dated 14/08/2019 for clarifications of “Free ATM Transactions”

For use of other Bank’s ATMs located in Metro and Non-Metro Areas

Metro^

Non Metro

Free Financial and Non-financial Transactions*

3 Transactions / Month

5 Transactions / Month

After Free Financial Transactions*

Rs. 20/- per Transactions

After Free Non-financial Transactions*

Rs. 9/- per Transactions

Ø ^viz. Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad

Ø Above charges are applicable to staff also.

*Refer RBI circular RBI/2019-20/41 DPSS.CO.PD No 377/02.10.002/2019-20 dated 14/08/2019 for clarifications of “Free ATM Transactions”

International Transactional Charges (If said facility opted in debit card)

Balance Enquiry at ATMs

Rs.25/-

ATM cash withdrawal transactions

Sr. No.

Network

Card Type

Transaction Charges

1

PNB<> Druk Bank (Bhutan)

All PNB international Debit cards

At Druk bank ATMs

Cash withdrawal: Rs. 12/- (plus taxes)

Balance Enquiry: Rs.2/- (plus taxes)

2

PNB <-> RMA Bhutan (Royal Monitory Authority Bhutan)

PNB Rupay International Debit Cards

For all ATMs in Bhutan other than Druk bank ATMs.

Cash withdrawal: Rs.50/- (plus taxes).

Balance Enquiry: Rs. 10/- (plus taxes).

3

PNB <-> EBL Nepal

All PNB International Debit Cards

At EBL ATMs

Cash withdrawal – Rs.50/- (flat)

X`Balance Enquiry – Rs.15/- (flat)

4

PNB <-> All other transactions

All PNB International Debit Cards

Rs.150/- (flat). Apart from this, customer is charges by the acquiring bank which is not fixed and ranges from country to country. It is typically between 2-4% of transaction amount.

Point of Sale (PoS) / e-Com Transactions

3% of transaction amount
  • Charges on PNB ATMs for PNB Card holders

    Number of Free ATM Transactions on PNB ATMs per month: 5 Charges on transactions (over and above free transactions): Rs. 10 (plus taxes)

    No. of Transactions includes financial and non-financial transactions (only mini statement). There are no charges for other non-financial transactions except mini statement. The above charges are effective from 01/09/2017

  • PNB Cardholders attached to Saving Bank accounts may make three transactions (Financial & Non-Financial) in 6 Metro cities (Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad) and five transactions in other cities at ATMs of other banks free of cost in every calendar month. Other transactions will attract charges of Rs. 20 for financial transactions and Rs. 9 for Non-Financial Transactions respectively at other Bank ATMs.
  • However for RuPay Mudra Card launched in July-2015, all ATMs transaction attract charges where customers make transactions on other banks ATMs.
    Any no. of POS / ecommerce transactions are also free except No. 7 & 8.
  • The charges for International transactions at ATMs are as follows:

    Cash Withdrawal-- Rs. 150/- per transaction.

    Non-financial Transaction --Rs. 30/- per transaction

  • The charges for International ATM transactions in Nepal under Everest Bank Ltd. Sharing arrangement are as follows:

    Cash Withdrawal Rs. 50/- per transaction

    Balance Enquiry--Rs. 15/- per transaction

  • The charges for International ATM transactions in Bhutan under Druk PNB Ltd. (DPL) Sharing arrangement are as follows:

    Cash Withdrawal Rs. 6/- per transaction.

    Balance Enquiry--Nil.

Guidelines for Failed ATM Transaction

  • 1. Complaints lodged against failed ATM transactions will be resolved within 7 working days of receipt of complaints.
  • 2. For delayed resolution, compensation of Rs.100 per day will be paid if claim is lodged within 30 days of the date of transaction.
  • 3. All such complaints be lodged at our Customer Relationship Centre by calling # 0120-2490000 and ( Toll Free)18001802222; 1800 103 2222.

Loss/Theft of ATM/Debit Cards

In case of loss/theft of card, the Cardholder shall immediately Block/Hotlist his /her card to avoid any misuse for safety reason through following channels:

  • By calling call center representative at 24 hours toll free helpline numbers 1800 180 2222, 1800 103 2222 or through paid helpline number 0120-2490000.
  • By sending SMS (HOTCard Number) e.g. HOT 5126520000000013 to 5607040 from your registered mobile number.
  • By logging in to PNB Internet Banking Services and going to Value Added Services -> Emergency Services -> Debit Card Hotlisting
  • By logging into PNB One and going to the option Debit Card -> Hotlist Debit Card

Note: Debit card once hotlisted cannot be de-hotlisted

Dear Customers, Please don`t share with any one about details of your Account/Debit Card / Internet Banking / Mobile Banking / Password/ Pin numbers/ OTP/ email-id . The e-mails /calls / SMS asking such information are fraudulent and never asked from Bank / RBI / Income Tax / Police Authorities /Call Centre. In case of any of these suspected activities, please change your Passwords / PIN immediately. Bank does not incur any liability for the same."

Lounge Access

Presently, both MasterCard and RuPay Platinum Cards have the facility of Airport lounge access for PNB customer.

MasterCard provides access to the participating lounges one (1) time per calendar quarter per card.

RuPay Platinum Domestic Airport lounge access program provides access to the participating lounges two (2) times per calendar quarter per card. NPCI also introduced international lounge access program for RuPay International Platinum cardholders. In this program, customer can access two (2) times per card per annum in any of the participating lounges.

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