Debit Cards can be conveniently used to meet all your daily domestic needs and business requirements in financial transactions. They are designed with chip-based cards, which can be utilized to easily and quickly withdraw cash from all the ATMs quickly, make e-commerce transactions over the internet, do online shopping, and make payments at different merchant locations, which means at Point of Sales (POS) machines.
In recent times the latest contactless Debit Cards are conveniently used to provide extra protection from skimming devices, which are often used by fraudsters that can be installed at ATM machines and POS machines to collect card data. Contactless Debit Cards have another advantage over regular Debit Cards: they go through less wear and tear with regular use.
A Debit Card has almost all the essential features of a Credit Card, except the difference that you can not credit using a Debit Card. However, as your Debit Cards are directly linked to your bank account, you can avoid excessive expenditures by keeping regular track of your transactions. Let’s check the essential features of PNB Debit Cards and their charges.
Features Of PNB Debit Cards
PNB offers various types of Debit Cards to provide its customers with many options to choose from according to their suitability and needs. These cards offer a different range of spending power and customer services and are designed to enhance the quality of your lifestyle.
The following are the essential features of PNB Debit Cards:
- The bank issues Debit Cards to all its eligible customers having a Savings Bank Account or a Current Account.
- Different types of Debit Cards are powered with different spending capacities.
- PNB Debit Cards are widely accepted everywhere within the country as well as Internationally.
- The maximum ATM withdrawal limit for different PNB Debit Cards ranges from Rs. 25,000/- to Rs. 1,00,000/-.
- The maximum combined Limit of Point Of Sales (POS) and e-commerce for different PNB Debit Cards range from Rs. 60,000 to Rs. 3,00,000.
- Accidental Death Cover for different active PNB Debit Cards ranges from Rs. 2,00,000/- to 10,00,000/- However, Accidental Death Cover is not available with some Debit Cards.
- Free Personal Insurance Cover on some active Debit Cards is available.
- Usually, the validity of PNB Debit Cards is seven years.
PNB Debit Card Charges
Specific fees and charges are applicable for the PNB Debit Cards, such as:
| Debit Card | Primary Card issuance Charges | For Add On card/Card Replacement charges | Annual Charges |
|---|---|---|---|
| 1. Rupay NCMC Classic | NIL | ₹ 150 | ₹ 150 |
| 2. Master Classic | NIL | ₹ 150 | ₹ 150 |
| 3. VISA Classic | NIL | ₹ 150 | ₹ 150 |
| 4. Rupay Classic Kisan | NIL | ₹ 150 | NIL |
| 5. RuPay PMJDY | NIL | ₹ 150 | NIL |
| 6. RuPay Pungrain | NIL | ₹ 150 | NIL |
| 7. RuPay Mudra | NIL | ₹ 150 | NIL |
| 8. RuPay NCMC Platinum | ₹ 250 | ₹ 250 | ₹ 250 |
| 9. Rupay International | ₹ 250 | ₹ 250 | ₹ 250 |
| 10. RuPay JCB Platinum | ₹ 250 | ₹ 250 | ₹ 250 |
| 11. Master Platinum | ₹ 250 | ₹ 250 | ₹ 250 |
| 12. Master International | ₹ 250 | ₹ 250 | ₹ 250 |
| 13. VISA Gold | ₹ 250 | ₹ 250 | ₹ 250 |
| 14. Master Business | ₹ 250 | ₹ 250 | ₹ 500 |
| 15. VISA Signature | ₹ 500 | ₹ 500 | ₹ 750 |
| 16. RuPay Select | ₹ 500 | ₹ 500 | ₹ 750 |
Other PNB ATM Card Charges
| Services | Charges |
|---|---|
| Duplicate PIN or PIN Regeneration through Branch | ₹ 50
NIL (if done through ATMs/ Govt. Sponsor scheme) |
| Transaction declined due to insufficient Balance | ₹ 15 |
| For use of PNB ATMs located in Metro/Non-Metro Areas | 5 Free Transactions per Month
After that ₹ 10 plus applicable taxes per Transactions will be charged |
| For use of other Bank ATMs located in Metro/Non-Metro Areas | 3 Free Transactions per Month for metro 5 Free Transactions per Month for Non-MetroAfter that ₹ 21 plus applicable taxes per Financial Transaction ₹ 9 plus applicable taxes per Non-Financial Transaction |
PNB Debit Card International Transactional Charges
| Services | Charges |
|---|---|
| Balance Enquiry at ATMs | ₹ 25 |
| Point of Sale (PoS) / e-Com Transactions | 3% of the transaction amount |
| ATM cash withdrawal transactions in Bhutan | At Druk Bank ATMs
Other than Druk Bank ATMs
|
| ATM cash withdrawal transactions in Bhutan | At EVEREST Bank ATMs
|
| ATM cash withdrawal transactions in all other Countries | ₹ 150. Apart from this, acquiring bank may charge 2-4% of the transaction amount |
PNB ATM Cash Withdrawal Limit
| Type of Limit | PLATINUM CARD LIMIT | CLASSIC CARD LIMIT | GOLD CARD LIMIT |
|---|---|---|---|
| CASH WITHDRAW LIMIT PER DAY | ₹ 100000 | ₹ 25000 | ₹ 100000 |
| CASH WITHDRAW LIMIT ONE TIME-AT PNB ATMs | ₹ 20000 | ₹ 20000 | ₹ 20000 |
| ECOM/POS CONSOLIDATED LIMIT | ₹ 300000 | ₹ 60000 | ₹ 300000 |
The Bottom Line
In this article, we have provided you with detailed information and easy guidance on PNB Debit Cards Charges, including the Essential Features of Debit Cards and cash withdrawal limit. After carefully going through this article, we can now expect that you would have easily understood it efficiently and quickly.
However, in case you are still facing some difficulties or issues with regard to the PNB Debit Cards, you should call the following numbers,
- For Domestic Usage: 18001800, 18002021, 180018002222, 18001032222.
- For Global Usage: +911202490000.
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