Debit cards are important for everyday financial transactions. They let you access your money, make purchases, and withdraw cash without carrying cash. You can use debit cards to shop online and at many stores, making it easier to manage your spending. They also offer features such as rewards, insurance, and more.
Punjab National Bank understands that its customers have different needs. To meet those needs, it offers various debit cards designed for different lifestyles. Whether you travel daily, work in business, or focus on your health, PNB offers debit cards to enhance your banking experience.
PNB provides benefits for wellness and travel to make managing money easier and safer. With these options, customers can enjoy a smooth experience, with high withdrawal limits and personalized services. As cashless transactions become more common, PNB’s debit cards act not only as a financial tool but also as a way to live more successfully.
PNB RuPay Palaash Debit Card
The RuPay PNB Palaash Debit Card is meant for customers who need a dependable card for daily purchases and travel. The key benefit of this card is its wide acceptance all over the world. It can be used at various PoS terminals, e-commerce websites, and ATMs in India and globally.
For cash withdrawals, the card allows users to take out up to ₹1 lakh per day from ATMs. When it comes to purchases, you have a combined limit of ₹3 lakh per day at PoS and online platforms. The PNB Palaash Debit Card offers personal accidental insurance coverage of up to ₹2 lakh. To qualify, cardholders need to conduct at least one financial transaction with their RuPay card within 30 days before any accident.
The card even provides exclusive lounge access at domestic airports thrice every quarter and three times every year for international airports. The card carries an annual fee of ₹250 each, with a validity period of seven years.
PNB RuPay Select Debit Card
The RuPay PNB Select Debit Card from Punjab National Bank is aimed at promoting wellness. It is available to customers who maintain an average balance of ₹50,000 or more in their account over a quarter. This card offers global acceptance, allowing users to make purchases and withdraw cash both domestically and internationally. It features a daily ATM withdrawal limit of ₹1.5 lakhs and combined PoS/eCom limits of ₹5 lakh.
This debit card offers a personal accidental insurance cover, which provides up to ₹10 lakh in case of accidental death or total disability. Cardholders enjoy access to airport lounges as well with this card, where they receive three visits per quarter at domestic lounges and three visits annually at international lounges. There are personalized card options, along with regular promotional offers on health and wellness activities, including gym memberships and health check-ups. With a validity of seven years, the card incurs a one-time issuance charge of ₹500 and an annual fee of ₹750.
| Features of the PNB RuPay Select Debit Card | |
| Gym | 1 Complementary 30 Days Offline Gym Membership Each Quarter |
| Golf | 1 Complementary Golf Lesson or Round Every Quarter |
| Health Up Check | 1 Complementary 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 ₹100 Coupon for Cab Service Every Quarter |
PNB RuPay Women Power Platinum Debit Card
The RuPay PNB Women Power Platinum Debit Card is designed for women customers of Punjab National Bank. This card offers a high ATM withdrawal limit of ₹1 lakh per day and a combined limit of ₹3 lakh for purchases at both retail and online outlets. It also comes with a personal accident insurance cover of up to ₹2 lakh, providing added safety for users.
The card offers privileges like one domestic airport or railway lounge access every quarter and two international lounge accesses annually for a better travel experience. Cardholders can enjoy tap-and-go payments for transactions up to ₹5,000 without a PIN and also benefit from offline transaction capabilities at select merchants.
For a nominal issuance and annual maintenance charge of ₹250, users receive a personalized card valid for seven years. It combines with the RuPay National Common Mobility Card (NCMC) for smooth travel across various transport modes.
RuPay PNB Antah Drishthi Braille Debit Card
The RuPay PNB Antah Drishthi Braille Debit Card is designed mainly for visually impaired and blind people, providing them with financial aid. It functions as a Classic Contactless NCMC Debit Card, allowing users to make transactions quickly by tapping the card on contactless-enabled terminals. This card is exclusively meant for domestic use, with a daily cash withdrawal limit of ₹25,000 and a combined limit of ₹60,000 for PoS and eCommerce transactions.
One of the best features of this card is its unique design for easy identification. It includes raised Braille dots that spell out “PNB,” a rounded notch to guide users when using ATMs or PoS machines, and contrasting colors for easy readability. The card is valid for seven years and incurs minimal charges, including a nominal annual fee of ₹150 plus taxes.
RuPay Business Platinum NCMC Debit Card
The RuPay Business Platinum NCMC Debit Card is designed for businesses. It is available to various institutions, including sole proprietorships, private and public limited companies, and partnerships. The card allows for global usage, enabling transactions both domestically and internationally.
With a cash withdrawal limit of ₹1 lakh per day at ATMs and a combined limit of ₹3 lakh for PoS and eCommerce transactions, it provides enough access to funds. The card comes with personal accidental insurance coverage of up to ₹10 lakhs, providing security for users.
Cardholders benefit from complimentary domestic and international lounge access, along with contactless payment options for quick transactions. It also features a unique NCMC function, allowing offline transactions for public transport. The card is valid for seven years with minimal annual maintenance charges.
PNB RuPay Farmer Samridhi Select Card
The PNB RuPay Farmer Samridhi Select Card is designed specifically for individual farmers aged 18 and above. To access its benefits, you need to maintain a minimum half-yearly average balance of ₹25,000 in your Samriddhi Savings Account.
This card offers insurance coverage, including up to ₹20 lakh for personal accidental insurance and permanent total disability. It also provides support for higher education and marriage expenses for dependent children in case of accidental death. Additional benefits include ambulance charges, funeral expenses, and lost baggage protection for domestic air travel.
Farmers can also enjoy various financial perks, such as no upfront fees for agri loans on farm machinery and concessions on education, vehicle, and housing loans. The card comes with free banking services like cheque book issuance and RTGS/NEFT transactions.
Cardholders can enjoy exclusive benefits, including complimentary health check-ups, spa sessions, and access to airport lounges, both international and domestic. The Loyalty Rewardz Programme offers two milestones for account holders. Those who spent ₹2.5 lakh or more in the last financial year will receive a ₹250 voucher to use at selected merchants. If someone spent over ₹4 lakh during the same period, they will get a ₹500 voucher for the same type of merchants.
PNB RuPay Platinum Debit Cards – Vaibhav and Vishawas & Varishth
These debit cards offer some beneficial perks for senior citizens. They can enjoy free memberships to streaming platforms like Prime and Hotstar, as well as vouchers from popular brands like Flipkart and BookMyShow. Other benefits include insurance coverage, wellness programs, and complimentary access to domestic airport lounges each year, making it a valuable option for elderly people looking for a debit card.
| Particulars | Vaibhav | Vishawas & Varishth |
| Issuance Charges | ₹300 + GST | ₹250 + GST |
| Annual Maintenance Charges (AMC) | ₹500 + GST | ₹450 + GST |
| Domestic Airport Lounge Access | Twice a Year | Once a Year |
| International Airport Lounge Access | N/A | N/A |
| Eligibility | Senior Citizen or Pensioners Maintaining Monthly Average Balance of ₹50,000 or Above | Customers Above 60 years and Maintaining Monthly Average Balance of ₹10,000 |
| Personal Accident Insurance Cover | Accidental Death or Permanent Total Disability Cover of Up to ₹2 Lakh | Accidental Death or Permanent Total Disability Cover of Up to ₹2 Lakh |
The PNB RuPay Platinum Vaibhav Debit Card is designed for senior citizens who have enrolled in the Vaibhav Savings Account. The card has no issuance or annual maintenance fees. Cardholders can withdraw up to ₹50,000 from ATMs daily and spend up to ₹1.5 lakh on purchases, whether in-store or online. It also allows for contactless payments of up to ₹5,000 each day, making transactions quick and easy. Cardholders earn Reward Points for various activities, including 100 points upon account opening, 400 points for successful card use on their first transaction, and 400 points during their birthday month.
The PNB RuPay Platinum Vishawas & Varishth Debit Cards are meant for senior citizens above 60 maintaining a monthly balance of ₹10,000. Cardholders can withdraw up to ₹50,000 from ATMs and spend up to ₹1.5 lakh daily via PoS or online. Benefits include one complimentary domestic lounge access per year, ₹2 lakh personal accident insurance, and contactless payments up to ₹5,000 per day.
PNB RuPay Select Debit Cards – Neo, Excel, Optima, and Imperial
PNB RuPay Select Debit Cards are designed to suit different income groups, starting from ₹10,000 and extending up to ₹1.5 lakh per month. Each card, Neo, Excel, Optima, and Imperial, offers benefits like airport lounge access, insurance coverage up to ₹10 lakh, and high transaction limits. The higher your salary, the more perks you unlock, including more frequent lounge visits and added lifestyle benefits. These cards are ideal for salaried individuals seeking added value and convenience from their everyday debit card.
| Particulars | Neo | Excel | Optima | Imperial |
| Issuance Charges | ₹500 + GST | ₹500 + GST | ₹600 + GST | ₹600 + GST |
| Annual Maintenance Charges (AMC) | ₹500 + GST | ₹650 + GST | ₹800 + GST | ₹800 + GST |
| Domestic Airport Lounge Access | Once a Quarter | Once in 6 Months | Once a Quarter | Once a Quarter |
| International Airport Lounge Access | Twice a Year | Once in 6 Months | Once a Quarter | Once a Quarter |
| Eligibility | Salaried Individuals with a Monthly Salary of ₹10,000 to ₹25,000 | Salaried Individuals with a Monthly Salary of ₹25,000 to ₹75,000 | Salaried Individuals with a Monthly Salary of ₹75,000 to ₹1,50,000 | Salaried Individuals with a Monthly Salary above ₹1,50,000 |
| Personal Accident Insurance Cover | Accidental Death or Permanent Total Disability Cover of Up to ₹10 Lakh | Accidental Death or Permanent Total Disability Cover of Up to ₹10 Lakh | Accidental Death or Permanent Total Disability Cover of Up to ₹10 Lakh | Accidental Death or Permanent Total Disability Cover of Up to ₹10 Lakh |
PNB Mastercard World Grand Debit Card
The PNB Mastercard World Grand Debit Card is a premium offering for high-net-worth individuals maintaining a monthly average balance of ₹5 lakh. It provides exclusive lounge access twice every quarter, not just for the cardholder but also one guest. While it doesn’t include insurance benefits, the card is designed for luxury, offering comfort and convenience to frequent travelers who expect top-tier privileges from their debit card.
| Issuance Charges | ₹2,500 + GST |
| Annual Maintenance Charges (AMC) | ₹3,000 + GST |
| Domestic Airport Lounge Access | Twice a Quarter (1 Cardholder + 1 Guest) |
| International Airport Lounge Access | N/A |
| Eligibility | Maintain Monthly Average Balance of ₹5 Lakh |
| Personal Accident Insurance Cover | N/A |
PNB RuPay Select Debit Cards — Rakshak, Optima, and Imperial
The PNB Rakshak Series, including Rakshak, Rakshak Optima, and Rakshak Imperial, caters to customers seeking premium benefits along with added financial protection. All three cards come with a ₹10 lakh personal accident insurance cover, domestic lounge access every quarter, and international lounge access, available twice a year to once a quarter. As you move up the range, you unlock more travel benefits and upgraded features, making these cards ideal for those who value security and comfort in their day-to-day banking experience.
| Particulars | Rakshak | Rakshak Optima | Rakshak Imperial |
| Issuance Charges | ₹500 + GST | ₹600 + GST | ₹600 + GST |
| Annual Maintenance Charges (AMC) | ₹500 + GST | ₹800 + GST | ₹900 + GST |
| Domestic Airport Lounge Access | Once a Quarter | Once a Quarter | Once a Quarter |
| International Airport Lounge Access | Twice a Year | Once a Quarter | Once a Quarter |
| Personal Accident Insurance Cover | Accidental Death or Permanent Total Disability Cover of Up to ₹10 Lakh | Accidental Death or Permanent Total Disability Cover of Up to ₹10 Lakh | Accidental Death or Permanent Total Disability Cover of Up to ₹10 Lakh |
PNB RuPay Platinum Debit Cards – Emerald and Solitaire
PNB’s Emerald and Solitaire Debit Cards are exclusively crafted for women, blending convenience, security, and lifestyle advantages. They include personal accident insurance up to ₹2 lakh and domestic lounge access (once or twice annually), rewarding women who keep higher monthly balances. The Solitaire card, offering premium benefits, is ideal for those maintaining ₹50,000 or more, while the Emerald provides good value at a lower balance requirement. These cards are perfect for women looking for enhanced comfort and control in their banking experience.
| Particulars | Emerald | Solitaire |
| Issuance Charges | ₹300 + GST | ₹400 + GST |
| Annual Maintenance Charges (AMC) | ₹500 + GST | ₹650 + GST |
| Domestic Airport Lounge Access | Once a Year | Twice a Year |
| International Airport Lounge Access | N/A | N/A |
| Eligibility | Women Savings Account Holders with Monthly Average Balance of ₹25,000 | Women Savings Account Holders with Monthly Average Balance of ₹50,000 |
| Personal Accident Insurance Cover | Accidental Death or Permanent Total Disability Cover of Up to ₹2 Lakh | Accidental Death or Permanent Total Disability Cover of Up to ₹2 Lakh |
PNB Mastercard Platinum Debit Cards — Rise and Grow
The PNB Rise and Grow Debit Cards are designed for young users, such as students and minors. They feature low fees and include lounge access once or twice annually, providing a smooth entry into premium banking. Although they lack insurance benefits, these cards are perfect for cultivating good financial habits early. The Grow version can be issued to minors via a guardian’s PNB account, making it a smart and secure choice for young, responsible spending.
| Particulars | Rise | Grow |
| Issuance Charges | ₹375 + GST | ₹250 + GST |
| Annual Maintenance Charges (AMC) | ₹375 + GST | ₹250 + GST |
| Domestic Airport Lounge Access | Once a Year | Twice a Year |
| International Airport Lounge Access | N/A | N/A |
| Eligibility | 18 years to 28 years. | A minor of any age can open an account through his/her natural or legally appointed guardian. Guardian must have PNB Savings A/c. |
| Personal Accident Insurance Cover | N/A | N/A |
Bottom Line
Punjab National Bank offers various debit cards to meet the different needs of its customers. Whether you need a card for daily use, a wellness option, or features for women and the visually impaired, PNB has something for you. Each card offers unique benefits, such as high withdrawal limits, personal insurance, and access to airport lounges. PNB is the only bank that provides cards for the visually impaired and helps them make smooth transactions. As cashless transactions become more common, these debit cards help you manage your money. Choose the card that fits your lifestyle and enjoy its benefits. With PNB, every transaction can be smooth and rewarding.
1 comment
Ashutosh
Any Rupay JCB debit cards in PNB?