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 card 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
| The minimum balance required for a PNB debit card depends on the linked account type. BSBDA accounts have no minimum balance requirement, while regular savings accounts require ₹1,000 in rural areas, ₹2,000 in semi-urban, ₹5,000 in urban areas, and ₹10,000 in metro branches. |
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.
| Card Type | ATM Credit Limit | POS/Online Limit |
|---|---|---|
| PNB Classic Debit Card | ₹25,000 | ₹60,000 |
| PNB Platinum Debit Card | ₹1,00,000 | ₹3,00,000 |
| PNB RuPay Select Debit Card | ₹1,50,000 | ₹5,00,000 |
| PNB EMV International Card | ₹1,00,000 | ₹3,00,000 |
| PNB Kisan Debit Card | ₹25,000 | ₹60,000 |
| PNB Rakshak Debit Card | ₹1,00,000 | ₹3,00,000 |
| Women Power Platinum Card | ₹1,00,000 | ₹3,00,000 |
| Business Platinum Debit Card | ₹1,00,000 | ₹3,00,000 |
| MasterCard Business Debit Card | ₹1,50,000 | ₹5,00,000 |
| Visa Gold / Signature Debit Card | ₹1,00,000 / ₹1,50,000 | ₹3,00,000 / ₹5,00,000 |
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
| All applicants must have accounts that are KYC-compliant, as per RBI guidelines. |
Get Personal Loan Online Up to ₹15 Lakhs
By entering your number, you're agreeing to Terms & Conditions & Privacy Policy.
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, or 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.
| Tip: Once your card is delivered, you’ll need to complete PNB debit card PIN generation before it can be used for transactions. |
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.
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:
| Type of Fee | Applicable Charges |
|---|---|
| Annual Fee | ₹0 to ₹750 (varies by card type) |
| Issuance Charges (First-time) | ₹0 to ₹500 (based on card type) |
| Card Replacement Charges | ₹150 to ₹500 (based on card type) |
| PIN Regeneration (at Branch) | ₹50 |
| Declined Transaction (Insufficient Balance) | ₹15 per instance |
Note: Charges may vary based on card type and are subject to revision. Always refer to the official PNB website or your branch for an updated fee structure.
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. |
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 a minimum order of ₹1,999. |
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.
Get Personal Loan Online Up to ₹15 Lakhs
By entering your number, you're agreeing to Terms & Conditions & Privacy Policy.
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:
| Card Type | ATM Withdrawal Limit (₹/day) |
|---|---|
| PNB Classic Debit Card | ₹25,000 |
| PNB Platinum Debit Card | ₹50,000 |
| PNB RuPay Select Card | ₹50,000 |
| PNB EMV International Card | ₹50,000 |
Daily POS/Online Transaction Limits:
| Card Type | POS/Online Limit (₹/day) |
|---|---|
| PNB Classic Debit Card | ₹60,000 |
| PNB Platinum Debit Card | ₹1,25,000 |
| PNB RuPay Select Card | ₹1,25,000 |
| PNB EMV International Card | ₹1,00,000 |
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.
Download the Buddy Loan App Now!
One solution to each of your financial needs at your fingertip.
Scan to download now
