I have an account in the Punjab National Bank and want to apply for the Personalised Debit Card of it so please tell me how can I apply for this, give me details about the application procedure of it? Tell me the documents required to apply for it?

Debit cards are magnetic strip based and chip-based cards. Other than withdrawing cash from the ATMs, these can also be used to make purchases at Point of Sale i.e. at merchant establishment or over the internet for e-commerce transactions.

The cards are accepted at enabled ATMs and Merchant Establishments with POS machines and also over the internet for ecommerce transactions.

Except cards issued in PMJDY and other government schemes, all other debit cards are EMV chip based along with Magnetic Strip.


Classic Debit Card (Magstripe)

This is a PIN based Debit Card designed for PNB Saving Account holders.

It is available in 2 variants - Personalized version which carries the card holders name and the Non-Personalized version which does not carry the customers name.

The Card features a daily withdrawal limit of Rs 25,000/-, per transaction limit of Rs 15,000/- and a daily limit of Rs 60,000 for PoS and e-commerce transactions.

Transfer funds easily from one account to another PNB account using this debit card.
Platinum Debit Card (Magstripe)

This debit card is specially designed for Premium customers of PNB.

One can personalize Platinum Debit card with not only name but also photograph.

This card features an ATM withdrawal limit of Rs 50,000, PoS / e-commerce transaction limit of Rs 1,25,000 and a limit of $500 for all cross-border ATM, PoS and e-commerce transactions.


Classic Debit Card (Master & RuPay Variant)

This card is issued under the general category and is available in both personalised and non-personalised cards.

A personalised classic debit card will bear the customers name (indented) and the RuPay or MasterCard logo.

It can be used to carry out fund transfers from one account to another PNB account

The card also has limits as follows:

Cash withdrawal - Rs.25,000 per day with a limit of Rs.15,000 per transaction.

There are no limits to transfer money into your own account, but each transaction is limited to Rs.1 lakh.

In case of third party transfers, the maximum transfer limit is equal to the cash limit.

It is PIN based and can be swiped at POS outlets. It can also be used online for e-commerce transactions.

One need to register for a 3D secure password which will enhance the security of transactions, or can opt for OTPs to verify and confirm the payment.