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Rupay PNB PALAASH DEBIT CARD - RECYCLED PVC DEBIT CARD

Card Type	Rupay Platinum NCMC Contactless Debit Card
Eligibility	Customers who are eligible for RuPay Platinum Debit Card issuance.
Usage	Valid in India and Abroad (Globally Accepted)
ATM Limit (Cash Withdrawal) per day	Rs. 1,00,000/-
PoS / eCom Limits (Combined) per day	Rs. 3,00,000/-
Personal Accidental Insurance Cover*	Personal Accident Insurance cover (Accidental Death or Permanent Total Disability) of upto Rs. 2,00,000/-. Cardholder needs to perform minimum one successful Rupay Card induced financial transaction at any POS/E-com, both Intra and Inter-bank i.e. on-us or off-us within 30 days prior to date of accident including accident date of RuPay Cardholder. ( please Click here >>Cards)
Lounge facility*	1 (one) Domestic Airport / Railway lounge access per quarter. 2 (two) International Airport Lounge access per annum. RuPay Platinum Debit Card Lounge Program will be effective from quarter starting 1st July 2024. The Domestic Lounge Program for RuPay Platinum Debit Card provides lounges access to cardholders in any of the 65+ participating Domestic Airport Lounges or 7+ Domestic Railway Lounges. (Domestic Lounges refers to all the lounges within geographical boundary of India will be considered as domestic lounge.) For updated lounge list, refer to NPCI RuPay Website
Issuance Charges	Rs. 250/- (Plus Taxes)
Annual Maintenance Charges (AMC)	Rs. 250/- (Plus Taxes)
Replacement Charges	Rs. 250/- (Plus Taxes)
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalised Debit Card. Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. International Acceptance Accepted at Discover / Diner enabled POS machines, ATMs & E Com websites / apps. The POS and ATM machine should be Chip and PIN enabled. Non 3D secure transactions (i.e. transactions without OTP / PIN are not permitted). Contactless transactions Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit. Offline modeWorks in offline (NCMC) mode at enabled merchants/operators wherever the functionality is live like DMRC, etc. Regular Discount offer across all categories as provided by NPCI from time-to-time. For latest offers, refer to NPCI (RuPay) Website – For more details, Click here. Below are the few offers* available for reference:- Amazon* - 20% Instant Discount on bill payments and recharges capped at INR 100 once per card per month for the minimum transaction amount of INR 129; valid on Fridays. Instant Discount on bill payments and recharges is applicable only on following categories- Mobile Recharge, DTH recharge, Electricity Bill, Gas Cylinder Bill, Mobile Postpaid bill, broadband, Piped Gas, Cable TV and Water Bill. Swiggy* - 20% instant discount on Swiggy food orders capped at INR 100 once per card per month for the minimum transaction of INR 129 done; valid on Fridays.
Rupay National Common Mobility Card (NCMC)	The RuPay National Common Mobility Card (NCMC) is a contactless payment solution designed to facilitate seamless transactions across transport, retail, and parking. Launched with the vision of “One Nation One Card,” this card aims to integrate multiple payment needs into a single card, promoting convenience and efficiency for users. RuPay NCMC is part of India`s initiative to create a unified and interoperable payment system. Key Features: Contactless Payments: Make quick and secure transactions like never before by simply tapping the card on contactless-enabled terminals. Interoperability: Your RuPay NCMC Debit Card can be used across different modes of transit like metros and buses. Hence, no need to carry separate cards to travel in different metros and buses. Check out the list of transit projects live with NCMC by clicking the following link. List of Live Projects. Click for list of operators running NCMC - Projects live on NCMC Offline Transactions: No network? No problem. Your RuPay NCMC Debit Card also works offline for transit. Multi-Purpose: One card for all your needs. Shop and travel with just one RuPay NCMC Debit Card. Enhanced Security: Enjoy stress-free transactions with the trustworthiness of RuPay Network. It is safe and secure. Click the following link to know more RuPay Contactless: Attractive Benefits\| RuPay Click for FAQs on Rupay NCMC Debit Cards.
Personal Accidental Insurance Programs , Lounge Access and offers (Amazon & Swiggy) - All these facilities on Debit Cards are sponsored by NPCI, Terms & Condition are subject to change as per guidelines issued by NPCI.*

RuPay PNB ANTAH DRISHTI Braille Debit Card

Card Type	Classic Contactless NCMC Debit Card
Eligibility	Individual Saving / Current account Customers who are Visually Impaired and Blind persons.Branches to ensure to update the status of all such customers to ‘BLIND’ in CRM.
Usage	Domestic usage only
ATM Limit (Cash Withdrawal) per day	Rs. 25,000/-
PoS / eCom Limits (Combined) per day	Rs. 60,000/-
Personal Accidental Insurance Cover*	Not Available (for any Existing or Freshly issued Debit Cards)
Lounge facility*	Not Applicable
Issuance Charges	Primary Debit Card – NIL
Annual Maintenance Charges (AMC)	Rs. 150/- (Plus Taxes)
Replacement Charges	Rs. 150/- (Plus Taxes)
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalized. Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. International Acceptance Not Allowed Contactless transactions Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit Works in offline (NCMC) mode at enabled merchants / operators wherever the functionality is live like DMRC, etc.
Exclusive Features for identification	Raised Braille Dots (PNB in Braille) - The “PNB” is prominently embossed on the card, making it easy for visually impaired and blind customers to differentiate between PNB and other Banks` Cards. Rounded Notch – The card has a rounded notch on the opposite side of the chip. This facilitates the card holder to know about the direction of the card while dipping the same in ATM / POS. Glossy Spot UV lamination effect – The card have a glossy spot UV lamination effect with raised texture on the Bank`s logo and silk screen rough spot UV on the contactless symbol. This helps visually impaired and blind customers to locate the bank`s logo easily and read the card`s contactless symbol, making it easy for them to use the card. Contrasting colours – The card have contrasting colours for easier reading and the colours used on the card are easily distinguishable by visually impaired and blind customers, making it easy for them to read the card details.
Rupay National Common Mobility Card (NCMC)	The RuPay National Common Mobility Card (NCMC) is a contactless payment solution designed to facilitate seamless transactions across transport, retail, and parking. Launched with the vision of “One Nation One Card,” this card aims to integrate multiple payment needs into a single card, promoting convenience and efficiency for users. RuPay NCMC is part of India`s initiative to create a unified and interoperable payment system. Key Features: Contactless Payments: Make quick and secure transactions like never before by simply tapping the card on contactless-enabled terminals. Interoperability: Your RuPay NCMC Debit Card can be used across different modes of transit like metros and buses. Hence, no need to carry separate cards to travel in different metros and buses. Check out the list of transit projects live with NCMC by clicking the following link. List of Live Projects. Click for list of operators running NCMC - Projects live on NCMC Offline Transactions: No network? No problem. Your RuPay NCMC Debit Card also works offline for transit. Multi-Purpose: One card for all your needs. Shop and travel with just one RuPay NCMC Debit Card. Enhanced Security: Enjoy stress-free transactions with the trustworthiness of RuPay Network. It is safe and secure. Click the following link to know more RuPay Contactless: Attractive Benefits\| RuPay Click for FAQs on Rupay NCMC Debit Cards.
Personal Accidental Insurance Programs, Lounge Access and any other Offers – All these facilities on any Debit Cards are sponsored by NPCI, Terms & Condition are subject to change as per guidelines issued by NPCI.*

PNB Pay –(Banks’ Wearable products based on Rupay ON-THE-GO Technology)

Card Type	The product shall be available in three forms – PVC Keychain, Leather Keychain and Mobile Sticker. It will be a Debit Card at back-end (linked to an account)
Eligibility	Any individual having KYC compliant account with the our bank and is otherwise eligible for Debit Card Issuance (including Savings and Current account holders).
Usage	Domestic usage only
ATM Limit (Cash Withdrawal) per day	Not Applicable
PoS / eCom Limits (Combined) per day	POS Transaction* (Only contactless) + E-Com Transaction – Rs. 60,000 (Combined Limit) (* up-to Rs. 5,000 Without PIN)
Personal Accidental Insurance Cover*	Not Applicable (for any Existing or Freshly issued Debit Cards)
Lounge facility*	Not Applicable
Issuance Charges	Leather Keychain:RS 450 + taxes PVC keychain: RS 400 + taxes Mobile sticker: RS 400 + taxes
Annual Maintenance Charges (AMC)	Leather Keychain: RS 150 + taxes PVC keychain: RS 150 + taxes Mobile sticker: RS 150 + taxes
Replacement Charges	Not Applicable
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
PIN generation and re-generation	Through Green PIN process For details Click here
Activation and Channel enablement	Activation and enablement of contactless /E-com transactions will be available through PNBOne, IBS, Branch (DCMS Portal) and IVR For details Click here
Multiple Issuance	Maximum two wearable (any two of each form factor) per account is allowed (apart from existing physical and Virtual Debit Card). Add-on card facility is not allowed
Reporting loss of card	Wearable can be Hotlisted through PNB One Mobile Banking App, PNB Internet Banking Services, WhatsApp Banking, SMS, PNB Call Center and by visiting the nearest PNB Branch. Use the Back-end Debit card number for Hotisting. For details Click here.
Other features	Can be used at all POS terminals, E Com Websites / Apps across India. Contactless transactions Individual transaction up to ? 5000/- allowed without PIN at NFC enabled POS Terminals with ? 5000/- as daily overall limit. Offline mode Works in offline (NCMC) mode at enabled merchants/operators wherever the functionality is live like DMRC, etc.
Personal Accidental Insurance Programs ,Lounge Access and any other Offers-*All these facilities on any Debit Cards are sponsored by NPCI, Terms & Condition are subject to change as per guidelines issued by NPCI.

RuPay NCMC Classic Debit Card

Card Type	Classic Contactless NCMC Debit Card
Eligibility	Any PNB Customer (~as per account guidelines)
Usage	Domestic usage only
ATM Limit (Cash Withdrawal) per day	Rs. 25,000/-
PoS / eCom Limits (Combined) per day	Rs. 60,000/-
Personal Accidental Insurance Cover*	Not Available (for any Existing or Freshly issued Debit Cards)
Lounge facility*	Not Available
Issuance Charges	Primary Debit Card – NIL Add-On Debit Card - Rs. 150/-
Annual Maintenance Charges (AMC)	Rs. 150/-
Replacement Charges	Rs. 150/-
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalized and Non-personalized. Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. International Acceptance Not Allowed Contactless transactions Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit Works in offline (NCMC) mode at enabled merchants / operators wherever the functionality is live like DMRC, etc.
Rupay National Common Mobility Card (NCMC)	The RuPay National Common Mobility Card (NCMC) is a contactless payment solution designed to facilitate seamless transactions across transport, retail, and parking. Launched with the vision of “One Nation One Card,” this card aims to integrate multiple payment needs into a single card, promoting convenience and efficiency for users. RuPay NCMC is part of India`s initiative to create a unified and interoperable payment system. Key Features: Contactless Payments: Make quick and secure transactions like never before by simply tapping the card on contactless-enabled terminals. Interoperability: Your RuPay NCMC Debit Card can be used across different modes of transit like metros and buses. Hence, no need to carry separate cards to travel in different metros and buses. Check out the list of transit projects live with NCMC by clicking the following link. List of Live Projects. Click for list of operators running NCMC - Projects live on NCMC Offline Transactions: No network? No problem. Your RuPay NCMC Debit Card also works offline for transit. Multi-Purpose: One card for all your needs. Shop and travel with just one RuPay NCMC Debit Card. Enhanced Security: Enjoy stress-free transactions with the trustworthiness of RuPay Network. It is safe and secure. Click the following link to know more RuPay Contactless: Attractive Benefits\| RuPay Click for FAQs on Rupay NCMC Debit Cards.
Personal Accidental Insurance Programs and Lounge Access -* Both the facilities on Debit Cards are sponsored by NPCI, Terms & Condition are subject to change as per guidelines issued by NPCI.

RuPay NCMC Platinum Domestic Debit Card

Card Type	Platinum Domestic Contactless NCMC Debit Card
Eligibility	Any PNB Customer (as per account guidelines)
Usage	Domestic Variant – Domestic usage only
ATM Limit (Cash Withdrawal) per day	Rs. 1,00,000/-
PoS / eCom Limits (Combined) per day	Rs. 3,00,000/-
Personal Accidental Insurance Cover*	Personal Accident Insurance cover (Accidental Death or Permanent Total Disability) of upto Rs. 2,00,000/-. Cardholder needs to perform minimum one successful Rupay Card induced financial transaction at any POS/E-com, both Intra and Inter-bank i.e. on-us or off-us within 30 days prior to date of accident including accident date of RuPay Cardholder. ( Please Click here >>Cards)
Lounge facility*	1 (one) Domestic Airport / Railway lounge access per quarter. 2 (two) International Airport Lounge access per annum. RuPay Platinum Debit Card Lounge Program will be effective from quarter starting 1st July 2024. The Domestic Lounge Program for RuPay Platinum Debit Card provides lounges access to cardholders in any of the 65+ participating Domestic Airport Lounges or 7+ Domestic Railway Lounges. (Domestic Lounges refers to all the lounges within geographical boundary of India will be considered as domestic lounge.) For updated lounge list, refer to NPCI RuPay Website
Issuance Charges	Primary Debit Card – Rs. 250/- Add-On Debit Card - Rs. 250/-
Annual Maintenance Charges (AMC)	Rs. 250/-
Replacement Charges	Rs. 250/-
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalised Debit Card. Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. Contactless transactions Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit. Offline mode Works in offline (NCMC) mode at enabled merchants/operators wherever the functionality is live like DMRC, etc. Regular Discount offer across all categories as provided by NPCI from time-to-time. For latest offers, refer to NPCI (RuPay) Website – For more details, Click here. Below are the few offers* available for reference:- Amazon* - 20% Instant Discount on bill payments and recharges capped at INR 100 once per card per month for the minimum transaction amount of INR 129; valid on Fridays. Instant Discount on bill payments and recharges is applicable only on following categories- Mobile Recharge, DTH recharge, Electricity Bill, Gas Cylinder Bill, Mobile Postpaid bill, broadband, Piped Gas, Cable TV and Water Bill. Swiggy* - 20% instant discount on Swiggy food orders capped at INR 100 once per card per month for the minimum transaction of INR 129 done; valid on Fridays.
Rupay National Common Mobility Card (NCMC)	The RuPay National Common Mobility Card (NCMC) is a contactless payment solution designed to facilitate seamless transactions across transport, retail, and parking. Launched with the vision of “One Nation One Card,” this card aims to integrate multiple payment needs into a single card, promoting convenience and efficiency for users. RuPay NCMC is part of India`s initiative to create a unified and interoperable payment system. Key Features: Contactless Payments: Make quick and secure transactions like never before by simply tapping the card on contactless-enabled terminals. Interoperability: Your RuPay NCMC Debit Card can be used across different modes of transit like metros and buses. Hence, no need to carry separate cards to travel in different metros and buses. Check out the list of transit projects live with NCMC by clicking the following link. List of Live Projects. Click for list of operators running NCMC - Projects live on NCMC Offline Transactions: No network? No problem. Your RuPay NCMC Debit Card also works offline for transit. Multi-Purpose: One card for all your needs. Shop and travel with just one RuPay NCMC Debit Card. Enhanced Security: Enjoy stress-free transactions with the trustworthiness of RuPay Network. It is safe and secure. Click the following link to know more RuPay Contactless: Attractive Benefits\| RuPay Click for FAQs on Rupay NCMC Debit Cards.
Personal Accidental Insurance Programs , Lounge Access and offers (Amazon & Swiggy) -* All these facilities on Debit Cards are sponsored by NPCI, Terms & Condition are subject to change as per guidelines issued by NPCI.

RuPay NCMC Platinum International Debit Card

Card Type	Platinum International Contactless NCMC Debit Card
Eligibility	Any PNB Customer (~as per account guidelines)
Usage	International Variant - Global (Domestic & International) usage allowed
ATM Limit (Cash Withdrawal) per day	Rs. 1,00,000/-
PoS / eCom Limits (Combined) per day	Rs. 3,00,000/-
Personal Accidental Insurance Cover*	Personal Accident Insurance cover (Accidental Death or Permanent Total Disability) of upto Rs. 2,00,000/-. Cardholder needs to perform minimum one successful Rupay Card induced financial transaction at any POS/E-com, both Intra and Inter-bank i.e. on-us or off-us within 30 days prior to date of accident including accident date of RuPay Cardholder. ( please Click here >>Cards)
Lounge facility*	1 (one) Domestic Airport / Railway lounge access per quarter. 2 (two) International Airport Lounge access per annum. RuPay Platinum Debit Card Lounge Program will be effective from quarter starting 1st July 2024. The Domestic Lounge Program for RuPay Platinum Debit Card provides lounges access to cardholders in any of the 65+ participating Domestic Airport Lounges or 7+ Domestic Railway Lounges. (Domestic Lounges refers to all the lounges within geographical boundary of India will be considered as domestic lounge.) For updated lounge list, refer to NPCI RuPay Website
Issuance Charges	Primary Debit Card – Rs. 250/- Add-On Debit Card - Rs. 250/-
Annual Maintenance Charges (AMC)	Rs. 250/-
Replacement Charges	Rs. 250/-
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalised Debit Card. Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. International Acceptance Accepted at Discover / Diner enabled POS machines, ATMs & E Com websites / apps. The POS and ATM machine should be Chip and PIN enabled. Non 3D secure transactions (i.e. transactions without OTP / PIN are not permitted). Contactless transactions Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit. Offline mode Works in offline (NCMC) mode at enabled merchants/operators wherever the functionality is live like DMRC, etc. Regular Discount offer across all categories as provided by NPCI from time-to-time. For latest offers, refer to NPCI (RuPay) Website – For more details, Click here. Below are the few offers* available for reference:- Amazon* - 20% Instant Discount on bill payments and recharges capped at INR 100 once per card per month for the minimum transaction amount of INR 129; valid on Fridays. Instant Discount on bill payments and recharges is applicable only on following categories- Mobile Recharge, DTH recharge, Electricity Bill, Gas Cylinder Bill, Mobile Postpaid bill, broadband, Piped Gas, Cable TV and Water Bill. Swiggy* - 20% instant discount on Swiggy food orders capped at INR 100 once per card per month for the minimum transaction of INR 129 done; valid on Fridays.
Rupay National Common Mobility Card (NCMC)	The RuPay National Common Mobility Card (NCMC) is a contactless payment solution designed to facilitate seamless transactions across transport, retail, and parking. Launched with the vision of “One Nation One Card,” this card aims to integrate multiple payment needs into a single card, promoting convenience and efficiency for users. RuPay NCMC is part of India`s initiative to create a unified and interoperable payment system. Key Features: Contactless Payments: Make quick and secure transactions like never before by simply tapping the card on contactless-enabled terminals. Interoperability: Your RuPay NCMC Debit Card can be used across different modes of transit like metros and buses. Hence, no need to carry separate cards to travel in different metros and buses. Check out the list of transit projects live with NCMC by clicking the following link. List of Live Projects. Click for list of operators running NCMC - Projects live on NCMC Offline Transactions: No network? No problem. Your RuPay NCMC Debit Card also works offline for transit. Multi-Purpose: One card for all your needs. Shop and travel with just one RuPay NCMC Debit Card. Enhanced Security: Enjoy stress-free transactions with the trustworthiness of RuPay Network. It is safe and secure. Click the following link to know more RuPay Contactless: Attractive Benefits\| RuPay Click for FAQs on Rupay NCMC Debit Cards.
Personal Accidental Insurance Programs , Lounge Access and offers (Amazon & Swiggy) -* All these facilities on Debit Cards are sponsored by NPCI, Terms & Condition are subject to change as per guidelines issued by NPCI.

Rupay Select Debit Card

Card Type

Wellness Contactless Debit Card

Eligibility

PNB Customers maintaining QAB Rs. 50,000/- or more

Usage

Global (Domestic & International) usage allowed

ATM Limit (Cash Withdrawal) per day

Rs. 1,50,000/-

PoS / eCom Limits (Combined) per day

Rs. 5,00,000/-

Personal Accidental Insurance Cover*

Personal Accident Insurance cover (Accidental Death or Permanent Total Disability) of upto Rs. 10,00,000/-.
Cardholder needs to perform minimum one successful Rupay Card induced financial transaction at any POS/E-com, both Intra and Inter-bank i.e. on-us or off-us within 30 days prior to date of accident including accident date of RuPay Cardholder.
For details.

( Please Click here >>Cards)

Lounge facility*

Domestic Airport lounge program for RuPay Select Debit Card provides access to cardholders three (3) times per calendar quarter per card in any of the 50+ participating Domestic Airport lounges.
International lounge program provides access to cardholders three (3) times per calendar year in any of the 500+ participating International Airport lounges.
For updated lounge list, refer to NPCI RuPay Website

Issuance Charges

Primary Debit Card – Rs. 500/-

Add-On Debit Card - Rs. 500/-

Annual Maintenance Charges (AMC)

Rs. 750/-

Replacement Charges

Rs. 500/-

Validity Period

7 Years (Expiry is encountered on last day of the Debit Card expiry month)

Other features

Personalised Debit Card.
Can be used at all POS terminals, E Com Websites / Apps and ATMs across India.
International Acceptance
Accepted at Discover / Diner enabled POS machines, ATMs & E Com websites / apps. The POS and ATM machine should be Chip and PIN enabled. Non 3D secure transactions (i.e. transactions without OTP / PIN are not permitted).
Contactless transactions
Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit.
Regular Discount offer across all categories as provided by NPCI from time-to-time. For latest offers like Spa, Medical Health Check-up, Golf Program, OTT, etc., refer to NPCI (RuPay) Website. The Debit Card holder will have to visit the Website for registration process (one time) and thereafter can claim the same after login, for more details, Click here. Below are the few offers* available for reference :-

Gym	1 Complementary 30 Days Free Offline Gym membership every quarter.
Golf	1 Complementary Golf Lesson or Round every quarter
Health Up Check	1 Complementary premium health check-up package every quarter.
OTT	1 Complementary 12 months Amazon Prime or Hotstar membership or 6 months Sony Liv membership every year
SPA Services/ Salon Service	1 Complementary SPA session or Salon service every quarter.
Travel	1 Complementary INR 100 coupon for cab service every quarter.

Rupay National Common Mobility Card (NCMC)

The RuPay National Common Mobility Card (NCMC) is a contactless payment solution designed to facilitate seamless transactions across transport, retail, and parking. Launched with the vision of “One Nation One Card,” this card aims to integrate multiple payment needs into a single card, promoting convenience and efficiency for users. RuPay NCMC is part of India`s initiative to create a unified and interoperable payment system. Key Features:

Contactless Payments: Make quick and secure transactions like never before by simply tapping the card on contactless-enabled terminals.
Interoperability: Your RuPay NCMC Debit Card can be used across different modes of transit like metros and buses. Hence, no need to carry separate cards to travel in different metros and buses. Check out the list of transit projects live with NCMC by clicking the following link. List of Live Projects. Click for list of operators running NCMC - Projects live on NCMC
Offline Transactions: No network? No problem. Your RuPay NCMC Debit Card also works offline for transit.
Multi-Purpose: One card for all your needs. Shop and travel with just one RuPay NCMC Debit Card.
Enhanced Security: Enjoy stress-free transactions with the trustworthiness of RuPay Network. It is safe and secure.

Click the following link to know more RuPay Contactless: Attractive Benefits| RuPay
Click for FAQs on Rupay NCMC Debit Cards.

*Personal Accidental Insurance Programs , Lounge Access and offers - All these facilities on Debit Cards are sponsored by NPCI, Terms & Condition are subject to change as per guidelines issued by NPCI.

RuPay Women Power Platinum Debit Card

Card Type	Platinum and Contactless
Eligibility	PNB Customer - Women Individual
Usage	Global (Domestic & International) usage allowed
ATM Limit (Cash Withdrawal) per day	Rs. 1,00,000/-
PoS / eCom Limits (Combined) per day	Rs. 3,00,000/-
Personal Accidental Insurance Cover*	Personal Accident Insurance cover (Accidental Death or Permanent Total Disability) of upto Rs. 2,00,000/- Cardholder needs to perform minimum one successful Rupay Card induced financial transaction at any POS/E-com, both Intra and Inter-bank i.e. on-us or off-us within 30 days prior to date of accident including accident date of RuPay Cardholder. For details ( please Click here >>Cards)
Lounge facility*	1 (one) Domestic Airport / Railway lounge access per quarter. 2 (two) International Airport Lounge access per annum. RuPay Platinum Debit Card Lounge Program will be effective from quarter starting 1st July 2024. The Domestic Lounge Program for RuPay Platinum Debit Card provides lounges access to cardholders in any of the 65+ participating Domestic Airport Lounges or 7+ Domestic Railway Lounges. (Domestic Lounges refers to all the lounges within geographical boundary of India will be considered as domestic lounge.) For updated lounge list, refer to NPCI RuPay Website
Issuance Charges	Primary Debit Card – Rs. 250/- Add-On Debit Card - Rs. 250/-
Annual Maintenance Charges (AMC)	Rs. 250/-
Replacement Charges	Rs. 250/-
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalised Debit Card. Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. International Acceptance Accepted at Discover / Diner enabled POS machines, ATMs & E Com websites / apps. The POS and ATM machine should be Chip and PIN enabled. Non 3D secure transactions (i.e. transactions without OTP / PIN are not permitted). Contactless transactions Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit. Offline mode Works in offline (NCMC) mode at enabled merchants/operators wherever the functionality is live like DMRC, etc. Regular Discount offer across all categories as provided by NPCI from time-to-time. For latest offers, refer to NPCI (RuPay) Website.
Rupay National Common Mobility Card (NCMC)	The RuPay National Common Mobility Card (NCMC) is a contactless payment solution designed to facilitate seamless transactions across transport, retail, and parking. Launched with the vision of “One Nation One Card,” this card aims to integrate multiple payment needs into a single card, promoting convenience and efficiency for users. RuPay NCMC is part of India`s initiative to create a unified and interoperable payment system. Key Features: Contactless Payments: Make quick and secure transactions like never before by simply tapping the card on contactless-enabled terminals. Interoperability: Your RuPay NCMC Debit Card can be used across different modes of transit like metros and buses. Hence, no need to carry separate cards to travel in different metros and buses. Check out the list of transit projects live with NCMC by clicking the following link. List of Live Projects. Click for list of operators running NCMC - Projects live on NCMC Offline Transactions: No network? No problem. Your RuPay NCMC Debit Card also works offline for transit. Multi-Purpose: One card for all your needs. Shop and travel with just one RuPay NCMC Debit Card. Enhanced Security: Enjoy stress-free transactions with the trustworthiness of RuPay Network. It is safe and secure. Click the following link to know more RuPay Contactless: Attractive Benefits\| RuPay Click for FAQs on Rupay NCMC Debit Cards.
Personal Accidental Insurance Programs and Lounge Access -* Both the facilities on Debit Cards are sponsored by NPCI, Terms & Condition are subject to change as per guidelines issued by NPCI.

RuPay Business Platinum NCMC Debit Card

Card Type	Business Platinum International Contactless NCMC Debit Card
Eligibility	The card can be issued in current account under following categories Sole proprietorship HUF through the Karta of the Family Partnership concerns (including LLPs) Private limited companies (Authorized Individual) Public limited companies (Authorized Individual)
Usage	Global (Domestic & International) usage allowed
ATM Limit (Cash Withdrawal) per day	Rs. 1,00,000/-
PoS / eCom Limits (Combined) per day	Rs. 3,00,000/-
Personal Accidental Insurance Cover*	Insurance Coverage – Accidental Death & Permanent total disability Upto- Rs 10,00,000/-
Issuance Charges	Primary Debit Card – NIL Add-On Debit Card - Rs. 250/-
Lounge facility	1 (one) Domestic Airport / Railway lounge access per quarter. 2 (two) International Airport Lounge access per annum. RuPay Platinum Debit Card Lounge Program will be effective from quarter starting 1st July 2024. The Domestic Lounge Program for RuPay Platinum Debit Card provides lounges access to cardholders in any of the 65+ participating Domestic Airport Lounges or 7+ Domestic Railway Lounges. (Domestic Lounges refers to all the lounges within geographical boundary of India will be considered as domestic lounge.) For updated lounge list, refer to NPCI RuPay Website
Annual Maintenance Charges (AMC)	Rs. 250/-
Replacement Charges	Rs. 250/-
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalised Debit Card. Domestic Acceptance Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. International Acceptance Accepted at Discover / Diner enabled POS machines, ATMs & E Com websites / apps. The POS and ATM machine should be Chip and PIN enabled. Non 3D secure transactions (i.e. transactions without OTP / PIN are not permitted). Contactless transactions Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit Offline mode Works in offline (NCMC) mode at enabled merchants/operators wherever the functionality is live like DMRC, etc. Regular Discount offer across all categories as provided by NPCI from time-to-time. For latest offers, refer to NPCI (RuPay) Website. *Additional Features being Provided by NPCI (subject to change as per T&C of NPCI)** Air Accident Coverage – Rs 20 Lacs Return of Mortal Remains - Rs 2 Lacs Common Carrier Lost Baggage - Rs 20,000/- Purchase Protection Coverage - Rs 2 Lacs
Rupay National Common Mobility Card (NCMC)	The RuPay National Common Mobility Card (NCMC) is a contactless payment solution designed to facilitate seamless transactions across transport, retail, and parking. Launched with the vision of “One Nation One Card,” this card aims to integrate multiple payment needs into a single card, promoting convenience and efficiency for users. RuPay NCMC is part of India`s initiative to create a unified and interoperable payment system. Key Features: Contactless Payments: Make quick and secure transactions like never before by simply tapping the card on contactless-enabled terminals. Interoperability: Your RuPay NCMC Debit Card can be used across different modes of transit like metros and buses. Hence, no need to carry separate cards to travel in different metros and buses. Check out the list of transit projects live with NCMC by clicking the following link. List of Live Projects. Click for list of operators running NCMC - Projects live on NCMC Offline Transactions: No network? No problem. Your RuPay NCMC Debit Card also works offline for transit. Multi-Purpose: One card for all your needs. Shop and travel with just one RuPay NCMC Debit Card. Enhanced Security: Enjoy stress-free transactions with the trustworthiness of RuPay Network. It is safe and secure. Click the following link to know more RuPay Contactless: Attractive Benefits\| RuPay Click for FAQs on Rupay NCMC Debit Cards.
Personal Accidental Insurance Programs, Lounge Access and Additional Features and Lounge Access -* – these are the facilities on Debit Cards are sponsored by NPCI, Terms & Condition are subject to change as per guidelines issued by NPCI.

VISA Classic Debit Card

Card Type	VISA Classic Debit Card (Contactless)
Eligibility	Any PNB Customer (~as per account guidelines)
Usage	Global (Domestic & International) usage allowed
ATM Limit (Cash Withdrawal) per day	Rs. 25,000/-
PoS / eCom Limits (Combined) per day	Rs. 60,000/-
Personal Accidental Insurance Cover*	Not Available (for any Existing or Freshly issued Debit Cards)
Lounge facility*	Not Available
Issuance Charges	Primary Debit Card –NIL Add-On Debit Card - Rs. 150/-
Annual Maintenance Charges (AMC)	Rs. 150/-
Replacement Charges	Rs. 150/-
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalised Debit Card. Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. International Acceptance Accepted at Discover / Diner enabled POS machines, ATMs & E Com websites / apps. The POS and ATM machine should be Chip and PIN enabled. Non 3D secure transactions (i.e. transactions without OTP / PIN are not permitted). Contactless transactions - Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit. Offline mode Not allowed. Regular Discount offers provided by VISA from time-to-time. For latest offers, refer to VISA Website. Accepted at millions of locations worldwide, the VISA Classic debit card can be used not only to withdraw cash from ATMs but also to pay for purchases at merchant establishments

VISA Gold Debit Card

Card Type	VISA Gold Debit Card (Contactless)
Eligibility	Any PNB Customer (~as per account guidelines)
Usage	Global (Domestic & International) usage allowed
ATM Limit (Cash Withdrawal) per day	Rs. 1,00,000/-
PoS / eCom Limits (Combined) per day	Rs. 3,00,000/-
Personal Accidental Insurance Cover*	Not Available (for any Existing or Freshly issued Debit Cards)
Lounge facility*	Not Available
Issuance Charges	Primary Debit Card – Rs. 250/- Add-On Debit Card - Rs. 250/-
Annual Maintenance Charges (AMC)	Rs. 250/-
Replacement Charges	Rs. 250/-
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalised Debit Card. Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. International Acceptance Accepted at Discover / Diner enabled POS machines, ATMs & E Com websites / apps. The POS and ATM machine should be Chip and PIN enabled. Non 3D secure transactions (i.e. transactions without OTP / PIN are not permitted). Contactless transactions Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit. Offline mode Not allowed Regular Discount offers provided by VISA from time-to-time. For latest offers, refer to VISA Website. Toll free access to VISA’s GCAS (Global Customer Assistance Services) 24 hours a day, 7 days a week related to Travel assistance, medical and legal referral and assistance.

VISA Signature Debit Card

Card Type	VISA Signature Debit Card (Contactless)
Eligibility	Any PNB Customer (~as per account guidelines)
Usage	Global (Domestic & International) usage allowed
ATM Limit (Cash Withdrawal) per day	Rs. 1,50,000/-
PoS / eCom Limits (Combined) per day	Rs. 5,00,000/-
Personal Accidental Insurance Cover*	Not Available (for any Existing or Freshly issued Debit Cards)
Lounge facility*	Complimentary Airport lounge access, twice per quarter on domestic lounges. For updated lounge list, refer to VISA Website.
Issuance Charges	Primary Debit Card – Rs. 500/- Add-On Debit Card - Rs. 500/-
Annual Maintenance Charges (AMC)	Rs. 750/-
Replacement Charges	Rs. 500/-
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalised Debit Card. Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. International Acceptance - Accepted at Discover / Diner enabled POS machines, ATMs & E Com websites / apps. The POS and ATM machine should be Chip and PIN enabled. Non 3D secure transactions (i.e. transactions without OTP / PIN are not permitted). Contactless transactions - Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit. Offline mode Not allowed. Regular Discount offers provided by VISA from time-to-time. For latest offers, refer to VISA Website. VISA Concierge services: a 24/7 service for travel research and reservations, to book tickets to a show or to buy gifts for loved ones.

MasterCard Classic Debit Card

Card Type	Classic Debit Card (Contactless)
Eligibility	Any PNB Customer (~as per account guidelines)
Usage	Global (Domestic & International) usage allowed
ATM Limit (Cash Withdrawal) per day	Rs. 25,000/-
PoS / eCom Limits (Combined) per day	Rs. 60,000/-
Personal Accidental Insurance Cover*	Not Available (for any Existing or Freshly issued Debit Cards)
Lounge facility*	Not Available
Issuance Charges	Primary Debit Card – NIL Add-On Debit Card - Rs. 150/-
Annual Maintenance Charges (AMC)	Rs. 250/-
Replacement Charges	Rs. 150/-
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalised Debit Card. Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. International Acceptance - Accepted at Discover / Diner enabled POS machines, ATMs & E Com websites / apps. The POS and ATM machine should be Chip and PIN enabled. Non 3D secure transactions (i.e. transactions without OTP / PIN are not permitted). Contactless transactions -Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit. Offline mode Not allowed. Regular Discount offers provided by MasterCard from time-to-time. For latest offers, refer to MasterCard Website.

MasterCard Platinum Debit Card

Card Type	Platinum Debit Card (Contactless)
Eligibility	PNB Customers maintaining QAB Rs. 25,000/- or more
Usage	Global (Domestic & International) usage allowed
ATM Limit (Cash Withdrawal) per day	Rs. 1,00,000/-
PoS / eCom Limits (Combined) per day	Rs. 3,00,000/-
Personal Accidental Insurance Cover*	Not Available (for any Existing or Freshly issued Debit Cards)
Lounge facility*	Global complimentary Airport Lounge Access on Active Debit Cards, once per Card per Quarter. For updated lounge list, refer to MasterCard Website
Issuance Charges	Primary Debit Card – 250/- Add-On Debit Card - Rs. 250/-
Annual Maintenance Charges (AMC)	Rs. 250/-
Replacement Charges	Rs. 250/-
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalised Debit Card. Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. International Acceptance Accepted at Discover / Diner enabled POS machines, ATMs & E Com websites / apps. The POS and ATM machine should be Chip and PIN enabled. Non 3D secure transactions (i.e. transactions without OTP / PIN are not permitted). Contactless transactions Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit. Offline mode Not allowed. Regular Discount offers provided by MasterCard from time-to-time to MasterCard Website.

MasterCard Business Debit Card

Card Type	For Business concerns
Eligibility	The card can be issued in current account under following categories - Sole proprietorship HUF through the Karta of the Family. Partnership concerns (including LLPs) Private limited companies (Authorized Individual) Publiclimited companies (Authorized Individual)
Usage	Global (Domestic & International) usage allowed
ATM Limit (Cash Withdrawal) per day	Rs. 1,50,000/-
PoS / eCom Limits (Combined) per day	Rs. 5,00,000/-
Personal Accidental Insurance Cover*	Not Available (for any Existing or Freshly issued Debit Cards)
Lounge facility*	Complimentary Airport lounge access. Twice (2) per calendar quarter per card on domestic lounges. For upgraded lounge list, refer to MasterCard website.
Issuance Charges	Primary Debit Card – Rs. 250/- Add-On Debit Card - Rs. 250/-
Annual Maintenance Charges (AMC)	Rs. 500/-
Replacement Charges	Rs. 250/-
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Other features	Personalised Debit Card. Can be used at all POS terminals, E Com Websites / Apps and ATMs across India. International Acceptance - Accepted at Discover / Diner enabled POS machines, ATMs & E Com websites / apps. The POS and ATM machine should be Chip and PIN enabled. Non 3D secure transactions (i.e. transactions without OTP / PIN are not permitted). Contactless transactions Individual transaction up to Rs. 5000/- allowed without PIN at NFC enabled POS Terminals with Rs. 5000/- as daily overall limit. Offline mode Not allowed. Regular Discount offers provided by MasterCard from time-to-time. For latest offers, refer to MasterCard Website.

Rupay Classic Virtual Debit Card

Card Type	Classic Virtual Debit Card
Eligibility	All eligible PNB customers using PNB One App & Retail Internet Banking Services can apply for Rupay Classic Virtual Debit Card
Usage	Domestic Usage
ATM Limit (Cash Withdrawal) per day	NA
E Com Limit	Rs. 60,000/-
Personal Accidental Insurance Cover*	Not Available (for any Existing or Freshly issued Debit Cards)
Lounge facility*	Not Available
Issuance Charges	NIL
Annual Maintenance Charges (AMC)	NIL
Validity Period	7 Years (Expiry is encountered on last day of the Debit Card expiry month)
Rupay National Common Mobility Card (NCMC)	The RuPay National Common Mobility Card (NCMC) is a contactless payment solution designed to facilitate seamless transactions across transport, retail, and parking. Launched with the vision of “One Nation One Card,” this card aims to integrate multiple payment needs into a single card, promoting convenience and efficiency for users. RuPay NCMC is part of India`s initiative to create a unified and interoperable payment system. Key Features: Contactless Payments: Make quick and secure transactions like never before by simply tapping the card on contactless-enabled terminals. Interoperability: Your RuPay NCMC Debit Card can be used across different modes of transit like metros and buses. Hence, no need to carry separate cards to travel in different metros and buses. Check out the list of transit projects live with NCMC by clicking the following link. List of Live Projects. Click for list of operators running NCMC - Projects live on NCMC Offline Transactions: No network? No problem. Your RuPay NCMC Debit Card also works offline for transit. Multi-Purpose: One card for all your needs. Shop and travel with just one RuPay NCMC Debit Card. Enhanced Security: Enjoy stress-free transactions with the trustworthiness of RuPay Network. It is safe and secure. Click the following link to know more RuPay Contactless: Attractive Benefits\| RuPay Click for FAQs on Rupay NCMC Debit Cards.

Organisational Structure

Housing Loans

Personal Loans

Misc

Vehicle Loans

Education Loans

Gold Loan

e-OD against FD

Important Links

MSME Schemes

Guidelines And Application

General Guidelines For Mudra Loans

Application Forms for MSME Loan

Sick MSME Quarterly Progress Report

Farmers

DebtWaiver

Gold Loan

Co-Lending Arrangement with NBFCs

Pradhan Mantri Jan-Dhan Yojana (PMJDY)

FI / PMJDY Pillars / Schemes

Pradhan Mantri Social Security Schemes

Financial Inclusion Plan(FIP)

Business Correspondents / Bank Mitras

Kiosk Banking Solution ( KBS) & Micro-ATMs

Rooftop PV Solar Power Projects

Forex service offered to Exporters and Importers

Integrated Payments Module

Integrated Collection Module

Receivable Management System

Virtual Account Management

Direct Debit System

Financial Supply Chain Management

Integrated Fee Portal

Funds Collection Module

International

Capital Services

PNB ONE – Just One App For Mobile Banking

Disclosures under Regulation 46 & 62

Rates and Charges

Cards

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