Punjab National Bank (PNB) has launched six new debit cards to improve the banking experience for its customers. Each debit card is specifically linked to a different type of PNB savings account. This means that customers who hold particular savings accounts can take advantage of the unique features and benefits associated with these cards.
The new offerings include the PNB RuPay Farmer Samridhi Select Card, designed to support farmers, as well as several women-centric debit cards, such as the Women’s Pearl, Emerald, and Solitaire Platinum International Debit Cards, and to support the elderly, the bank has introduced the Vishwas, Varishth, and Vaibhav Platinum Debit Card. Each card offers distinct perks, from cash withdrawal limits to complimentary services.
With the launch of new debit cards, PNB is empowering customers and improving their banking experience.
PNB RuPay Farmer Samridhi Select Card
The PNB RuPay Farmer Samriddhi Select Card can be accessed by farmers who have an account under the Samriddhi Savings Account. This card offers benefits to help farmers manage their finances, along with additional perks. This card does not come with any joining fee. In terms of daily transactions, the card allows cash withdrawals of up to ₹50,000 per day from ATMs. It also offers a combined daily spending limit of ₹1.50 lakh for Point of Sale and online purchases. The card features a contactless payment option, enabling quick transactions of up to ₹5,000 with a single tap.
Another significant feature of the card is the personal accident cover of up to ₹10 lakhs. This insurance policy provides financial protection in case of unforeseen accidents. Farmers can also enjoy various exclusive offers and rewards with this card. Cardholders receive a complimentary membership to platforms such as Amazon Prime, Hotstar, or SonyLIV each year. They are eligible for one complimentary health check-up package every quarter, as well as a spa session or salon service quarterly, and a gym membership. The card provides free access to domestic airport lounges once per quarter and international lounges twice a year.
PNB RuPay Women Pearl Platinum Debit Card
Women who have a Pearl Savings Account are eligible for the PNB RuPay Women Pearl Platinum International Debit Card. With this card, users can enjoy cashless transactions both in the country and internationally, without having to pay any issuance charges. If cardholders maintain the required average monthly balance of ₹10,000, they will not have to pay annual maintenance charges.
The card comes with several complimentary benefits, including an annual mammogram check-up and personal accidental insurance coverage of ₹2 Lakhs. Users also have access to offers on popular platforms like OTT services, online shopping sites, and movie ticket discounts. The card allows daily cash withdrawals of up to ₹50,000 from ATMs and combines online and point-of-sale transactions up to ₹1.5 Lakhs. The PNB RuPay Women Pearl Platinum International Debit Card is designed to empower women by making everyday transactions easier and more rewarding.
PNB RuPay Women’s Emerald Platinum Debit Card
The PNB RuPay Women’s Emerald Platinum Debit Card is designed specifically for the banking needs of women who have enrolled themselves in the Emerald Savings Account. It offers a number of features and benefits and provides additional protection.
This card comes with no issuance charges, making it affordable for all eligible women account holders. To maintain the benefits, customers need to ensure that their average balance meets the minimum requirement over the last 12 months, or else the annual maintenance charges will apply. The PNB RuPay Women’s Emerald Platinum Debit Card comes with a complimentary personal accidental insurance cover of ₹2 lakhs, offering security while shopping or traveling. Cardholders can enjoy access to domestic airport lounges once per calendar year.
The PNB RuPay Women’s Emerald Debit Card also features competitive withdrawal limits. You can withdraw up to ₹50,000 per day from ATMs, which is beneficial for managing larger expenses. For Point of Sale (POS) transactions and online shopping, the combined limit is ₹1.5 lakhs per day. The card supports contactless payments up to ₹5,000 a day, making transactions quick and easy. To make the shopping experience even better, cardholders receive exclusive vouchers from popular online platforms like Nykaa, Myntra, etc.
PNB RuPay Women Solitaire Platinum International Debit Card
The PNB RuPay Women Solitaire Platinum International Debit Card is designed specifically for female account holders who have signed up for the Solitaire Savings Account. This card allows you to access your funds easily while enjoying features created specially for women. This debit card comes with zero issuance charges, meaning you won’t incur any fees to obtain it, making it a cost-effective option. If you maintain the required monthly average balance of ₹50,000, there are no annual maintenance charges (AMC) for the card.
Cardholders can enjoy benefits that include two complimentary visits to domestic airport lounges each calendar year. The card also includes personal accidental insurance coverage of ₹2 lakhs, giving you security while you use your debit card. The PNB RuPay Women Solitaire card offers a daily cash withdrawal limit of ₹50,000 from ATMs. For shopping, it allows combined Point of Sale (POS) and e-commerce transactions up to ₹1.5 lakhs daily.
Other perks include access to exclusive discounts and offers from various brands, free OTT subscriptions of Hotstar, Zee5, and SonyLIV, and vouchers from popular retailers such as Nykaa, Myntra, Blinkit, etc. Users also receive discounts on lounges, spas, and movies.
PNB RuPay Platinum Vishwas & Varishth Debit Card
The PNB RuPay Platinum Varishth and Vishwas Debit Cards are made for senior citizens with accounts in the Vishwas Savings Account and the Varishth Savings Account.
The Varishth Debit Card is designed for individuals who have retired on superannuation or due to the Voluntary Retirement Scheme from any Central or State government, local bodies, or Public Sector Undertakings. To be eligible, applicants must be pensioners receiving a minimum monthly pension of ₹10,000. On the other hand, the Vishwas Debit Card is available to individual customers aged 60 and above, regardless of their pension status.
A main difference lies in the minimum monthly average balance requirements. The Varishth Debit Card has no MAB requirement, which makes it easier for retirees. In contrast, the Vishwas Debit Card requires a minimum monthly average balance of ₹10,000 to qualify for the associated freebies and concessions.
Both cards offer the option to open joint accounts, but with the Varishth card, this is only available with a spouse. The Vishwas Debit Card allows joint accounts as per existing guidelines for general savings accounts.
Both the Vishwas & Varishth Debit Cards provide personal accidental insurance of ₹15 lakhs, with additional coverage for permanent total disability and air accidental insurance, reaching up to ₹30 lakhs. Permanent partial disability protection of up to ₹7.5 lakh is also available with both cards.
Hospitalization-related coverage features prominently with both debit cards. They provide Hospicash benefits, although the exact annual amount may vary. Both cards also ensure ambulance charges of ₹10,000 and funeral expenses of ₹10,000. The Vishwas card offers a wellness program that includes annual health check-ups. On the other hand, the Varishth card focuses on wellness through teleconsultations and provides personal accident insurance of ₹4 lakh.
Both debit cards allow cash withdrawals of ₹50,000 per day and POS/eCommerce transactions of ₹1.5 lakh collectively. Each card also offers exclusive discounts and subscriptions. The Varishth card offers exclusive promotions, including complimentary OTT subscriptions, online shopping vouchers, and complimentary lounge access at domestic airports. The Vishwas debit card offers similar benefits but may vary in specifics or the number of offers depending on availability.
Neither card has issuance or annual management charges, making them cost-effective options for seniors.
PNB RuPay Platinum Vaibhav Debit Card
The PNB RuPay Platinum Vaibhav Debit Card is offered to users who are a part of the Vaibhav Savings Account. The card comes with zero issuance and annual maintenance charges. It provides a cash withdrawal limit of ₹50,000 per day from ATMs and enables purchases up to ₹1.50 lakh per day through PoS and online transactions. Users are able to make contactless payments up to ₹5,000 daily.
Cardholders can enjoy free subscriptions to popular OTT platforms like Prime and Hotstar, along with vouchers from major brands such as Flipkart, BookMyShow, TataCliQ, and a three-month subscription to Swiggy. There’s also a special privilege of two complimentary domestic airport lounge accesses each year.
Users earn Rewards Points for various transactions, including receiving 100 points upon opening an account, 400 points for using the debit card for the first time, and 400 points for making a single transaction of more than ₹2,000 during the cardholder’s birthday month. The card also offers insurance coverage, wellness program, benefits linked to PAI, and much more, making it a perfect choice for potential cardholders.
Conclusion
Punjab National Bank has launched new debit cards that offer various benefits. Farmers can access financial support with the RuPay Farmer Samridhi Select Card, while women can enjoy added rewards and security with the Women’s Pearl, Emerald, and Solitaire Platinum Debit Cards. The Vishwas, Varishth, and Vaibhav Platinum Debit Cards serve elderly customers. Anyone eligible for these accounts, such as farmers, women, and seniors, should consider applying for these cards to take advantage of the unique benefits.