PNB Debit Card

Eligibility criteria for PNB ATM cards are as follows:

• All the KYC enabled saving and current account holders, maintaining a minimum balance and regularly operating their account are eligible
• New customers opening their account in PNB Bank are also eligible
• Individual customers having an overdraft facility

Note: Above-mentioned eligibility criteria are generic. The type of debit card issued against your bank account may vary across various parameters such as minimum account balance, and account type or based upon your relationship with PNB.

PNB debit card features & benefits may vary from one card variant to another. However, below are some of the general features and benefits:

• PNB offers various benefits in the form of lounge access, air accident cover, and global acceptance almost across all debit cards
• You can manage your finances better Via PNB net banking, as you can set the withdrawal and shopping limits for POS and online transactions. As a result, you do not need to visit the bank to make changes
• PNB ATM/Debit Card can be used on POS and E-com channels of payment

When you open a savings or a current account with PNB, you will also be given a debit card by the bank. In case, you haven’t got one, you can apply for it by visiting the nearest PNB branch. You can also apply via SMS service SMS <DEBCARD 16 DIGIT ACCOUNT NUMBER> to 5607040 from the registered mobile number.

PNB Bank ATM card activation is done through the Green PIN facility via the following pin generation process:

• PNB Debit Card PIN Generate via Netbanking

You need to log in to the PNB net banking portal with the user ID and password and then select ‘’Value Added Services’’ option. Under the “Value Added Services” tab, choose the “Set/Reset Debit Card PIN” option. Now select the account number and click on “Continue”. Enter the OTP and set a new 4-digit PIN for the PNB debit card and click on the submit button

• PNB Debit Card PIN generate through ATM

You can also activate PNB Debit Card PIN by visiting the ATM and then choosing the ‘ENTER GREEN PIN (OTP)’ tab. Now enter the 6-digit OTP sent on the registered mobile number and click on “Yes”. Proceed further by providing the desired 4-digit ATM PIN and click on the “Confirm” tab to generate PNB Debit Card PIN

Click here to know more about PNB Debit Card PIN Generation/ PNB ATM Card Activation.

Below are some of the common fees and charges of PNB Debit Cards:

Note: Fees and Charges are updated as of September 2025.

To know other PNB Debit Card fees and charges, click here.

There are a number of methods by which you can block the PNB ATM/Debit card:

• PNB Debit Card block / Hotlisting through Internet Banking

To block PNB Debit Card using PNB net banking, you are required to login to the PNB netbanking portal and choose “Value Added Services” to proceed. Then choose the “Debit Card Hot-listing” option from the drop down menu and select the debit card that you want to hotlist. Lastly, enter IBS Transaction Password and click on the ‘Submit’ button.

• PNB Debit Card block using SMS facility

Send the message (HOT space Card Number) e.g. HOT 7127680000000054 to 5607040 from the registered mobile number. Once PNB Debit Card block process is completed, you will be notified.

• Blocking Card via PNB Debit Card Customer Care

You can call on the following PNB Debit Card customer care numbers to block your debit card. PNB Toll-Free Number available 24 hours a day: 1800-180-2222/ 180-103-2222 & PNB Paid Helpline Number available 24 hours a day: 0124-2490000.

There are certain limits on cash withdrawals from ATMs set by Punjab National Bank and the amount of cash you can withdraw from your account depending upon the type of card issued. Here is the PNB debit cash withdrawal limit on different cards:

Note: Cash Withdrawal and POS & ECOM Limit is updated as of September 2025.

PNB ATM/Debit Card can be used both online and offline:

Using PNB Debit Card Offline:

• Swipe your PNB debit card at a card machine, and enter your debit card PIN to complete the transaction
• Upon successful transaction, you will receive a notification from the bank regarding the amount deducted from your bank account

In other words, the bank processes the request made by the merchant using your debit card and releases the required amount.

Using PNB Debit Card Online:

• When you use your PNB debit card online, you will be asked to enter the 16-digit debit card number, expiry date and three-digit CVV to complete the transaction
• Once all the details are provided, an OTP will be sent to your registered mobile number
•  You have to enter the OTP at the merchant’s site to complete the transaction
  

Similar to an offline transaction, you will receive a confirmation message from the bank regarding the deduction.

Q. Which type of debit card is best in PNB?

Punjab National Bank offers a variety of Debit cards that are suitable for varying customer needs. Amongst these the best card is one that fits your needs, for instance, PNB Rupay Select Debit Card is a good option if you are looking for lounge access, whereas the Virtual Debit Card is a good option for e-commerce transactions.

Additionally, for a higher daily cash withdrawal limit or Pos limit, a PNB Platinum Debit card is a good option. Click here to check the features of top PNB debit Cards.

Also Read: Top PNB Credit Cards 2025

Q. Is PNB debit card free of cost?

The charges associated with varying PNB ATM/debit cards are different depending on card type, user eligibility, and linked account type. Thus, the issuance fees and annual maintenance charges may vary. However, PNB allows free ATM cash withdrawal transactions up to certain limits.

Q. How can I get a PNB Debit card at home?

You can get a PNB debit card at home by applying via customer care or an SMS banking facility. To apply via customer care you can contact the bank at 1800- 180-2222/ 180-103-2222. For SMS banking, send the message (HOT space Card Number) e.g. HOT 7127680000000054 to 5607040 from the registered mobile number.

Q. How can I open my PNB Debit Card?

You can turn your debit card on/off by logging in on the internet banking portal. Here, navigate to the tab, ‘Value Added Services’. Further, Choose your account number >> Click on continue >> Choose the linked debit card >> Enter the transaction password >> Click on Switch off/ Switch on.

Additionally, you can also activate your PNB debit card, for enabling e-commerce, contactless and international transactions via net banking, PNB ATMs, and PNB ONE.

Q. How can I track my PNB ATM card?

After filling out your card application, you can check your PNB ATM card tracking status using the CRM customer service number here. Additionally, for PNB ATM card tracking by account number, you can log in to the PNB ONE app or can use Internet Banking.

Q. What is the process of application for a new ATM card in PNB?

To apply for a new ATM/Debit card with Punjab National Bank, you can either use SMS banking, as mentioned above or can download the PNB ATM Card application form and submit it at the nearest PNB branch. Click here to view the application form.

Q. How many accounts can be linked to PNB Debit Card?

You can link a maximum of three accounts to your PNB Debit Card and all the linked accounts must be under the same person.

Q. What is the validity of a PNB Debit Card?

PIN based Maestro Debit card has no expiry date. However, Signature based Debit Card is valid for 7 years from the date of issue.

Q. How to block PNB Debit/ATM Card?

There are a number of methods by which you can block your  PNB ATM/Debit card such as via Internet Banking, SMS facility and PNB Debit Card Customer Care. The details for blocking PNB Debit card are mentioned above.

Q. How to Generate ATM PIN for PNB Debit Card?

PNB follows the Green PIN facility wherein you can generate the PNB Debit Card PIN. You can follow any of the ways amongst to generate PNB Debit Card amongst via Netbanking, ATM, etc. The details are mentioned above.

Q. How many free transactions can a customer carry out at PNB ATM?

An account holder can use his/her Punjab National Bank Debit card to carry out 5 free ATM transactions per month at PNB ATMs.

Q. Where to lodge a complaint about a failed ATM transaction?

Complaints can be lodged at the Customer Relationship Centre by calling # 0120-2490000, 1800-180-2222 (toll-free), 1800-103-2222 (toll-free). Complaints lodged against failed ATM transactions will be resolved within 7 working days of receipt of complaints.

However,  for delayed resolution, compensation of Rs.100 per day will be paid by the bank  if claim is lodged within 30 days of the date of transaction.