PNB Debit Cards

Punjab National Bank (PNB) offers a range of debit cards designed to meet the everyday banking needs of its customers. Whether you're making online purchases, withdrawing cash, or paying at retail stores, a PNB debit card provides secure and convenient access to your savings or current account.

Customers can choose from various PNB debit cards types based on their account category, card network preference (Visa, RuPay, MasterCard), and usage needs.

Read on to learn more about PNB Credit Cards and its features and benefits

Table of Contents:

• ⇾ Types Of PNB Debit Cards
• ⇾ Eligibility Criteria For PNB Debit Card
• ⇾ How To Apply For A PNB Debit Card
• ⇾ Apply via SMS
• ⇾ How to apply for a digital PNB debit card
• ⇾ PNB Debit Card Fees
• ⇾ Key Features & Benefits of PNB Debit Cards
• ⇾ Offers of PNB debit cards
• ⇾ Latest withdrawal limits of PBN debit card
• ⇾ Frequently Asked Questions

Types Of PNB Debit Cards

PNB offers a variety of debit cards to cater to different customer segments and transaction needs.

Common Types of PNB Debit Cards:

Each card type is linked to a specific account category and may come with different usage limits, charges, and benefits. Choosing the right PNB debit card type depends on your usage pattern—whether it's for basic ATM access or premium lifestyle features.

Note: The above-declared limits are subject to change at PNB’s discretion.

Eligibility Criteria For PNB Debit Card

To apply for a PNB debit card, applicants must meet certain eligibility criteria based on their account type and banking relationship with Punjab National Bank. These criteria ensure that the debit card issued aligns with the user’s banking profile and intended usage.

Basic Eligibility Requirements:

• KYC-compliant account holders with a valid savings, current, or Kisan Credit Card (KCC) account.
• New customers opening an eligible account with PNB.
• Joint account holders under “Either or Survivor” or “Former or Survivor” mandates.
• Overdraft account holders, such as those with loan-linked facilities (subject to eligibility).
• Minors above 10 years may be issued debit cards with parental consent (for limited-use cards).
• Applicants meeting card-specific conditions, such as minimum balance or premium account tier, for variants like Platinum or International cards

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How To Apply For A PNB Debit Card

Applying for a PNB debit card is a simple process and can be done either during account opening or later by submitting a request. Depending on the customer's preference, PNB offers both offline (branch-based) and online application options.

Steps to Apply for a PNB Debit Card:

Offline Method

Step 1: Visit your nearest PNB branch.

Step 2: Fill out the Debit Card Application Form (available at the bank).

Step 3: Submit identity and address proof if not already updated via KYC.

Step 4: Select your preferred card type (e.g., Classic, Platinum, RuPay).

Step 5: The debit card will be issued and sent to your registered address within a few working days.

For Existing Account Holders: You can also request a debit card via customer care or by visiting the branch if one wasn’t issued at the time of account opening.

Online Method

Step 1: Go to the official Punjab National Bank website

Step 2: Scroll down the homepage and navigate to the ‘Cards’ section.

Step 3: From the menu on the left, click on ‘Offers on Debit Cards’.

Step 4: Browse through the available offers and click on the one that interests you.

Step 5: Choose your preferred offer and follow the instructions to redeem it using your eligible PNB debit card.

Apply via SMS

You can also apply by SMS using your registered mobile number:

SMS Format: DEBCARD <16-DIGIT ACCOUNT NUMBER>

Send to: 5607040

Example: DEBCARD 1234567890123456

Note: Ensure your mobile number is registered with your PNB account before using this service.

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How to apply for a digital PNB debit card

Punjab National Bank also allows customers to apply for a digital debit card through its online and mobile banking platforms. This option is especially useful for users who want instant card issuance for online transactions before the physical card arrives.

Steps to Apply for a PNB Debit Card Online:

Step 1: Log in to your PNB net banking or PNB One mobile app.

Step 2: Navigate to the ‘Debit Card Services’ section.

Step 3: Choose ‘Virtual Debit Card’ or ‘Request Debit Card’.

Step 4: Select your account and preferred card type.

Step 5: Submit the request. A digital version may be issued instantly for online use.

PNB Debit Card Fees

Punjab National Bank debit cards come with certain fees based on the card variant and usage. These may include annual maintenance fees, replacement charges, and transaction-related costs.

Common PNB Debit Card Charges:

Key Features & Benefits of PNB Debit Cards

PNB debit cards are designed to offer convenience, security, and flexibility for everyday transactions. Whether you're shopping online, withdrawing cash, or paying bills, these cards come with features that make banking easier.

• Wide Network Compatibility

Available in Visa, RuPay, and MasterCard variants for both domestic and international use.

• Multiple Access Channels

Use your PNB debit card at ATMs, POS machines, and online platforms.

• PNB Debit Card Login Support

Manage your card easily through the PNB One app or net banking — for balance check, transaction history, and blocking/unblocking.

• Secure Transactions

EMV chip-enabled cards with PIN-based and OTP authentication for added protection.

• Online and Contactless Payments

Make secure purchases on e-commerce sites and pay via NFC-enabled terminals.

Offers of PNB debit cards

PNB debit cardholders can enjoy a variety of offers, including cashback, discounts, and seasonal deals on shopping, dining, travel, and more.

Types of Offers Available:

• For RuPay Cards

Merchant / Brand	Offer Details
Apollo 24/7	10% cashback via RuPay CC on UPI, Min. order ₹1,100. Max cashback ₹250.
OLA	Flat ₹25 cashback in OlaMoney on min. booking of ₹250+ via RuPay CC on UPI.
Myntra	₹400 off on min. purchase of ₹1,999.
MakeMyTrip	Up to 15% cashback on flights and hotels.
Pepperfry	Flat ₹1,250 off on purchases of ₹10,000+.
Gaana	Flat ₹100 off on Gaana Annual Subscription.
Apollo Pharmacy	10% off on medicines (excl. DPCO), 15% on private label products.
Mokobara	10% off on total bill.
Rare Rabbit	10% off on min. order value of ₹1,500.

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Note: These offers are valid till 2025

• For MasterCard

Offer Name	Description
Priceless Specials	Curated offers and exclusive city experiences — including once-in-a-lifetime events and causes.
Priceless Cities	Access to premium travel, dining, and entertainment experiences in cities around the world.

• For Visa Cards

Partner / Brand	Offer Details
IHG Hotels & Resorts	20% off stays at IHG properties across APAC.
Qatar Airways	Up to 10% off on flights when paid with a Visa card.
Visa Luxury Hotel Collection	Premium hotel benefits at select global properties.
Japan Airlines	Up to 8% off on round-trip bookings across all classes.
Fastrack	Flat 10% off on select products.
Titan	Flat 10% off on purchases.
Ritu Kumar / Aarke	15% off on purchases of ₹5000 or more.
Croma	5% off on a minimum purchase of ₹30,000+.
Giva Jewellery	Flat ₹333 off on minimum order of ₹1,999.

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Note: Offers may vary based on Visa card type (Classic, Platinum, Signature, Infinite). Always check Visa’s offers portal for up-to-date terms and partner links.

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Latest withdrawal limits of PBN debit card

The withdrawal limits on PNB debit cards vary depending on the card type and the mode of transaction—ATM, POS, or online. These limits are set to balance convenience with security and may differ for Classic, Platinum, and other variants.

Daily ATM Withdrawal Limits:

Daily POS/Online Transaction Limits:

Note: Limits may be subject to change by PNB. Customers can request a limit increase or check their current limits using a PNB debit card login via net banking or a mobile app.