PNB Debit Cards

Punjab National Bank, or PNB, is one of the largest public-sector banks in India. The bank was founded in 1894 and has its headquarters in Delhi. Punjab National Bank has an extensive network of 7000 branches, more than ten thousand ATMs across 764 cities, and over 110 million customers. Such a vast network of branch offices is impressive and speaks volumes of the bank’s position in the banking industry. Punjab National Bank offers a range of debit cards that are designed according to the customers’ various needs. This service is complimentary with PNB savings accounts. 

Types of PNB Debit Cards

mymoneykarma gives you a brief glimpse into the features of the top-grossing debit cards from Punjab National Bank.

PNB Classic Debit Card (Magstripe)

1. PIN-enabled card for safe and secure transactions.

2. Available in personalized and non-personalized versions.

3. Daily ATM withdrawal limit of Rs 25,000, a transaction limit of Rs 60,000 for online and PoS transactions, and a limit of Rs 15,000 on other expenses.

4. The facility to transfer funds to another PNB account using a debit card.

PNB Platinum Debit Card (Magstripe)

1. Available for PNB Premium customers.

2. The facility of personalizing the card with the cardholder's signature and photograph.

3. Daily ATM withdrawal limit of Rs 50,000, a transaction limit of Rs 1.25 lakhs for online and PoS transactions, and a limit of Rs $500 on international expenses.

4. Two add-on debit cards available for family members of the primary cardholder.

PNB MITRA ATM Card

1. Card available for all MITRA Account holders.

2. Not usable for PoS or online transactions.

3. Unlimited free transactions at any ATM in India.

4. Cash withdrawal limit of Rs 5,000.

5. Also available in a biometric variant.

PNB RuPay Debit Card

1. PIN-enabled card for safe and secure transactions.

2. Magnetic strip for added security.

3. Usable only for domestic transactions.

4. Compatible with all RuPay-enabled ATMs and PoS Terminals.

PNB RuPay Kisan Card

1. Specially customized card for all farmers and Kisan Account holders.

2. Daily ATM withdrawal limit of Rs 25,000, a transaction limit of Rs 60,000 for online and PoS transactions, and a limit of Rs 15,000 on other expenses.

PNB Master International Debit Card

1. Available in personalized and non-personalized versions.

2. Daily ATM withdrawal limit of Rs 50,000, and a transaction limit of Rs 1.25 lakhs for online and PoS transactions.

3. Accepted by thousands of retail merchants worldwide. 

PNB Classic Debit Card (Master & RuPay Variant)

1. Available in personalized and non-personalized versions.

2. Daily ATM withdrawal limit of Rs 50,000 and a limit of Rs 15,000 on other transactions.

3. Unlimited fund transfers to other PNB accounts of up to Rs 1 lakh per day.

4. PIN-enabled card for safe and secure transactions.

5. Mandatory 3D secure code created by cardholders for every transaction for added security.

PNB Platinum Debit Card

1. Available for PNB elite customers.

2. The facility of personalizing the card with the cardholder's signature and photograph.

3. Daily ATM withdrawal limit of Rs 50,000 and a limit of Rs 15,000 on other transactions.

4. A high transaction limit of Rs 1.25 lakhs per day for PoS and e-commerce transactions.

5. The provision for two add-on cards for family members of the primary cardholder.

6. PIN-enabled card for safe and secure transactions.

PNB Rupay MUDRA Debit Card

1. Daily ATM withdrawal limit of Rs 25,000 and a transaction limit of Rs 60,000 for online and PoS transactions.

2. Offered under Prime Minister MUDRA Yojana to maintain working capital accounts through the card.

PNB UPHAAR Debit Card

1. Prepaid debit card ideal for PNB account holders and non-account holders.

2. Purchasable with a minimum of Rs 500 and a maximum of Rs 50,000.

3. No issuance or annual charges.

4. Validity of 36 months from the issue date.

5. A transaction limit of Rs 25,000 per day.

PNB SUVIDHA Debit Card

1. Prepaid debit card ideal for PNB account holders and non-account holders.

2. Usable for companies to pay incentives, salaries, and bonuses.

3. The facility to make cash withdrawals.

4. Purchasable with a minimum of Rs 500 and a maximum of Rs 50,000 by cheque or cash.

5. No issuance or annual charges.

6. A transactional limit of Rs 25,000 per day.

Advantages of PNB Debit Cards

PNB debit cards are customized to provide the convenience of cashless transactions and other value-added benefits. mymoneykarma highlights a few attractive benefits of being a PNB card holder.

1. Widely accepted with all Maestro retail merchants and in all ATMs with the Cirrus and MasterCard logo.

2. PIN-enabled card for safe and secured transactions.

3. Mandatory 3D secure code created by cardholders for every transaction for added security.

4. Exclusive offers on lifestyle, travel, and entertainment expenses.

PNB Debit Card Eligibility

People are eligible for PNB debit cards when they meet the following criteria.

1. The customer is a KYC-compliant Savings / Current Account holder.

2. The customer is one who regularly maintains PNB account minimum balance.

3. The customer is a Kisan Cash Credit Account holder.

DOs and DON’Ts of Using PNB Debit Cards

DOs

1. Report the loss of a card immediately by calling the PNB customer care number.

2. Retain the customer charge copy while swiping the card at a POS terminal.

3. Keep the PIN of the card private.

4. Check for additional transaction fees. 

5. Keep an eye out for when the card validity ends.

DON’Ts

1. Don’t reveal the debit card PIN to anyone.

2. Don’t use the card with merchant outlets that opt for DCC.

3. Do not hand the card over to third parties for safety reasons.

4. Do not make transactions over telephone calls.

5. Do not refresh or close the window while a transaction is in process. 

PNB Debit Card FAQs

How do I replace my lost debit card?

Customers need to immediately block the debit card that has been lost by calling the PNB customer care number. They can then fill in a card replacement form and pay the fees at any PNB branch. A new debit card will then be mailed to their registered address within 14 working days.

How long is my debit card valid?

The validity of a PNB debit card is printed on the card.

Can I have two debit cards?

PNB customers are usually assigned a single debit card per savings account. However, there are provisions for add-on cards, subject to terms and conditions of the card.

What is the customer care number of PNB?

The toll-free customer care number of PNB is 1800 180 2222.