Punjab National Bank offers a range of ATM/Debit Cards to serve the varying needs of customers. Top PNB Debit Cards include PNB Platinum Debit Card, Rupay Select Debit Card, etc. These cards are tailor-made to provide the convenience of cashless transactions, higher cash withdrawals at ATMs, and POS purchases at merchant outlets. On this page, we have covered important details about PNB Debit Cards such as PIN Generation, ATM card activation, application process, etc. Read on to know more.
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PNB has classified its debit cards into various variants such RuPay Select, VISA, Classic, Platinum, Signature, etc. Take a look at the table below to know the key features of Top PNB ATM/Debit Cards.
| PNB ATM/Debit Card | Key Features |
| PNB Rupay Select Debit Card |
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| VISA Signature Debit Card |
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| Rupay NCMC Platinum Debit Card |
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| VISA Gold Debit Card |
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| VISA Classic Debit Card |
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| Rupay NCMC Classic Debit Card |
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| Virtual Debit Card through PB One |
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Eligibility criteria for PNB ATM cards are as follows:
Note that the 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.
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PNB debit card features & benefits may vary from one card variant to another. However, below are some of the general features and benefits:
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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:
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.
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.
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Below are some of the common fees and charges of PNB Debit Cards:
| Type of Fee/ Charge | Amount |
| Annual Fee | Varies from Card to Card |
| Card Issuance Charges | Rs. 250 (Nil for Classic/Rupay/VISA/ Rupay Platinum) |
| Card Replacement Charges | Rs. 150 |
| Duplicate PIN/ Regeneration of PIN through Branch | Rs.50/- (for request through branch; Exempted for Govt. Sponsored Scheme
Nil (if done through Green Pin at ATMs) |
To know other PNB Debit Card fees and charges, click here.
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There are a number of methods by which you can block the PNB ATM/Debit card:
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.
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.
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: 18001802222/ 1801032222 & 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:
| Types of PNB Debit Cards | Cash Withdrawal Limit |
| PNB Classic Debit Card |
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| PNB Platinum Debit Card |
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| PNB Gold Debit Card |
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PNB ATM/Debit Card can be used both online and offline:
Using PNB Debit Card Offline:
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:
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 2023
Q. Is PNB debit card free?
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 18001802222/ 1801032222. 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, 18001802222 (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.
