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Punjab National Bank Credit Card Cash Withdrawal

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Updated: 26-09-2025 07:26:43 AM

Punjab National Bank credit card enables a customer to withdraw a certain amount of money from ATM at any time. However, the amount of cash withdrawn with a credit card has to be within the cash limit given to the customer at the time of issuance. Also, for each transaction done, a fee of 2% on the amount withdrawn or a fee of up to Rs. 300 is which ever is higher, is charged to the user. This amount is added to the monthly bill provided by the bank.

On this page
Punjab National Bank Credit Cards
How to Withdraw Cash using Punjab National Bank Credit Cards?
PNB Credit Card Cash Withdrawal Charges
Punjab National Bank Cash Withdrawal Helpline
FAQs

Punjab National Bank Credit Cards

Credit Card Annual Fee Special Features
PNB Rupay Platinum Credit Card Rs. 500 Cash back on paying utility bills, eateries and restaurant bills
PNB Rupay Select Credit Card Rs. 750 2x reward points on retail purchases
PNB Rupay Millenial Credit Card Rs. 999 Domestic and international lounge access program
PNB Rakshak Rupay Platinum Credit Card Nil Cash back on restaurants, eateries and utility bill payments
PNB Rakshak RuPay Select Credit Card Nil Exclusive cashback on restaurants, eateries and utility bill payments
PNB Global Classic Credit Card Nil 2 reward points for every Rs. 100 spent
PNB Global Gold Credit Card Rs. 300 1 reward point for Rs. 100 spent
PNB Global Platinum Credit Card Rs. 500 24×7 global concierge desk assisting with reservations, dining, etc.
PNB Visa Signature Credit Card Rs. 2,000 50% discount on movies tickets and food combos per month at BookMyShow
PNB Wave & Pay Credit Card Rs. 500 2 reward points for every Rs. 150 spent

How to Withdraw Cash using Punjab National Bank Credit Cards?

Punjab National Bank allows users the convenience and freedom to go to any ATM and take out some cash using the credit card.

Below mentioned are the steps to follow when withdrawing cash with a PNB credit card:

  • Go to any nearby ATM and insert the credit card into the required slot
  • Choose the preferred language
  • Next, choose the ‘cash withdrawal’ option on the screen
  • Then, enter the amount one wishes to take out and press enter
  • One will be asked to provide his/her credit card pin

Please Note: Punjab National Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only. 

PNB Credit Card Cash Withdrawal Charges

ATMs Charges
PNB ATMs 2% of cash withdrawn or up to Rs. 150 whichever is higher
Other Bank ATMs 2% of cash withdrawn or up to Rs. 200 whichever is higher
Overseas 2% of cash withdrawn or up to Rs. 300 whichever is higher

Click here to check other fees and charges of PNB credit cards.

Punjab National Bank Cash Withdrawal Helpline

Toll-Fee Number

  • Punjab National Bank has a toll-free number, that any customer can use to get in touch with the concerned person at the organization. PNB customer care number is 1800 180 2345 or 1800 103 2222.
  • In case a customer has any query related to credit card cash withdrawal, he/she can contact the customer care at any time as it is a 24 hour helpline number.

SMS

  • The PNB SMS banking system is available to all customers registered for SMS alert.
  • A customer only needs to send SMS ‘PNB PROD’ to 5607040 and get access to a list of services offered.

Bank Branch or Offline Help

If other questions or queries cannot be answered on the phone, then visit the branch during working hours and clarify any doubts.

Net Banking

  • The net banking service created by PNB allows a customer to access his/her account anywhere in the world
  • One can check his/her balance or anything else related to the account
  • A customer only needs to register his/her mobile number

FAQs

Can we withdraw money from PNB Credit Card?
Yes, you can withdraw money using the PNB credit card, as per the credit card cash withdrawal limit. Usually the cash withdrawal limit on a credit card is 20% to 40% of the credit limit of the card. This, however may vary across all credit cards.

Can I withdraw cash from any other bank ATM using Punjab National Bank Credit Card?
Yes, you can withdraw cash from any other bank ATM in India and Internationally, as per your credit cards terms and conditions. However, the charges for cash withdrawal may vary across ATMs in India and abroad.

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