Let’s consider Ravi, a Punjab National Bank (PNB) customer who uses his PNB Debit Card for various transactions. The card helps him secure payments, cash withdrawals, and online purchases.

Ravi's Monthly Expenses Using the PNB Debit Card

Category	Amount (in INR)	Details
Groceries	₹5,000	Shopping at a local supermarket.
Online Shopping	₹3,500	Purchasing clothing and electronics online.
Fuel	₹2,000	Fuel charges at petrol stations.
Dining and Restaurants	₹1,500	Payments are made at restaurants and cafes.
Utility Bills (Electricity, Water, etc.)	₹1,200	Online payments for utilities.
Entertainment	₹800	Movie tickets, streaming services.
ATM Withdrawals	₹1,000	Cash withdrawals from ATMs.
Miscellaneous	₹1,000	Other small expenses like transportation and shopping.

Ravi enjoys several advantages by using his PNB Debit Card for daily transactions:

Cashback Rewards: He earns cashback on select purchases like fuel and shopping, helping him save money effortlessly.
Exclusive Discounts: Ravi takes advantage of special discounts on online shopping and seasonal sales, making his purchases more affordable.
Secure Transactions: With real-time SMS alerts for every transaction, he feels confident knowing his card is secure from unauthorised use.
Easy ATM Access: He withdraws cash for free at PNB ATMs, ensuring he always has access to funds when needed.
Hassle-Free Bill Payments: Ravi conveniently pays utility bills like electricity and water directly through his debit card, saving time and effort.

PNB Debit Cards for 2025

Type	Key Features
Rupay PNB PALAASH DEBIT CARD	Personal Accidental Insurance Cover Lounge Facility Contactless Payments Discounts on Amazon and Swiggy
RuPay PNB ANTAH DRISHTI Braille Debit Card	PNB is prominently embossed on the card, making it easy for visually impaired and blind customers to differentiate between PNB and other Banks' Cards.
PNB Pay - (Banks wearable products based on Rupay ON-THE-GO Technology	Contactless Transactions
Rupay NCMC Classic Debit Card	International Acceptance Contactless Transactions Contactless Payments Interoperability
Rupay NMC Platinum Domestic Debit Card	Personal Accidental Cover Lounge facility Contactless transactions Discounts on Swiggy and Amazon It can work for offline transactions also.
Rupay NMC Platinum International Debit Card	Personal Accidental Cover Lounge facility Interoperability Contactless transactions Discounts on Swiggy and Amazon Can work for Offline transactions also
Rupay Select Debit Card	Personal Accidental Cover Lounge facility Membership for GYM OTT Platforms Complimentary GOLF, SPA Session, Travels, Health Up Check
RuPay Women Power Platinum Debit Card	Personal Accidental Cover Lounge facility Contactless Transactions Enhanced security
RuPay Business Platinum NMC Debit Card	Contactless Payments Interoperability Lounge facility Personal Accidental Insurance Cover
VISA Classic Debit Card	Persoanl Accdental Insurance Cover International Acceptance Regular discounts from time to time
VISA Gold Debit Card	Can be used at all POS terminals International transactions Regular discounts from time to time
VISA Signature Debit Card	24/7 service for travel research and reservations Lounge facility
MasterCard Classic Debit Card	International Acceptance
MasterCard Platinum Debit Card	Regular discount offers from time to time Lounge facility
MasterCard Business Debit Card	Lounge facility Can be used at all POS terminals Contactless transactions
RuPay Classic Virtual Debit Card	Enhanced security Offline transactions Interoperability

Note: There are many more features than those mentioned above. If you want to explore more features, then click here, and you will see all the PNB Debit Cards mentioned above. Next to each of the PNB Debit Cards, there is a + sign, just click on that and you will get to know about all the other features and their charges also.

PNB Debit Cards Eligibility

Type	Eligibility
Rupay PNB PALAASH DEBIT CARD	Customers who are eligible for RuPay Platinum Debit Card issuance.
RuPay PNB ANTAH DRISHTI Braille Debit Card	Individual Saving / Current account Customers who are visually impaired and blind persons. Branches to ensure the update of the status of all such customers to ‘BLIND’ in CRM.
PNB Pay - (Banks wearable products based on Rupay ON-THE-GO Technology	Any individual having a KYC complaint account with the bank and is otherwise eligible for Debit Card issuance (including savings and current account holders).
Rupay NCMC Classic Debit Card	Any PNB Customer ( as per account guidelines)
Rupay NMC Platinum Domestic Debit Card	Any PNB Customer ( as per account guidelines)
Rupay NMC Platinum International Debit Card	Any PNB Customer ( as per account guidelines)
Rupay Select Debit Card	PNB customers maintaining QAB ₹50,000 or more
RuPay Women Power Platinum Debit Card	PNB Customer - Women Individual
RuPay Business Platinum NMC Debit Card	Sole proprietorship, HUF through the Karta of the family partnership concerns (including LLPs) Private limited companies (Authorized Individual) [Public limited companies (Authorized Individuals)
VISA Classic Debit Card	Any PNB Customer ( as per account guidelines)
VISA Gold Debit Card	Any PNB Customer ( as per account guidelines)
VISA Signature Debit Card	Any PNB Customer ( as per account guidelines)
MasterCard Classic Debit Card	Any PNB Customer ( as per account guidelines)
MasterCard Platinum Debit Card	PNB customers maintaining QAB ₹25,000 or more
MasterCard Business Debit Card	HUF through the Karta of the Family. Partnership concerns (including LLPs) Private limited companies (Authorized Individual) Public limited companies (Authorized Individual)
RuPay Classic Virtual Debit Card	All eligible PNB customers using PNB One App & Retail Internet Banking Services can apply for a Rupay Classic Virtual Debit Card.

Benefits of PNB Debit Card

Chip-Based Security:
- PNB Debit Cards are chip-based, providing enhanced security for every transaction, whether it's at an ATM or for purchases at merchant establishments or online.
Cash Withdrawals:
- ATM Withdrawals: You can withdraw cash from PNB ATMs across India and abroad.
- Contactless Withdrawals: At NFC-based POS terminals, you can withdraw up to ₹5,000 without needing a PIN for quick transactions.
Purchases:
- Point of Sale (POS) Transactions: The card can be used for purchases at merchant establishments with POS machines, making shopping easier and secure.
- E-commerce Transactions: You can also use the card to make online purchases for e-commerce transactions, enabling you to shop from anywhere.
Add-On Cards and Accounts:
- Add-On Cards: Customers can get 2 additional cards for family members (spouse, parents, and kids). These cards are linked to the primary account of the cardholder, allowing family members to access funds.
- Multiple Accounts on a Single Card: You can add up to 3 accounts (one primary account and two additional accounts) to a single card, with transactions allowed at PNB ATMs. Only the primary account will be shown at ATMs of other banks.
Lounge Access:
- Domestic Lounge Access: Enjoy access to domestic airport lounges and railway lounges, with two visits per quarter.
- International Lounge Access: Get access to two international lounge visits per year.
Accidental Death Cover:
- The card provides accidental death cover, offering peace of mind in case of an unfortunate event.
Contactless Technology:
- The PNB Debit Card comes with contactless technology, enabling faster and more secure transactions at POS terminals without the need for swiping or entering a PIN for small amounts.
Widespread Acceptance:
- PNB Debit Cards are widely accepted at ATMs and merchant outlets worldwide, making them a convenient and reliable option for everyday transactions.

How to Apply for a PNB Debit Card Online?

Step 1: Download the PNB One App on your system if you have not installed it yet. Download it from the Google Play Store for Android users and iPhone users, download it from IOS Store.

Step 2: After downloading the app, open it, and if you have not made your account yet, then first register and then proceed.

Step 3: When your registration is complete, it will show you a Hello interface where they will ask you about your 4-digit MPIN. Enter your 4-digit MPIN there, whatever mobile PIN you have made. Then you will be logged in here.

Step 4: After logging in, you will see a new interface where in the footer section, you will see a section “Services.” After clicking on that, all the services provided by the PNB Bank will be displayed.

Step 5: You want to apply for a PNB Debit Card, then click on the “Debit Card” option. After clicking on that.

Step 6: After that, you have to check if another PNB Debit Card is activated on your account number. For that, scroll down and you will find an option “Hotlist Debit Card.” Click on that and you will see “Account Number.” Click on that. After clicking on that, it will show you whether any card is linked to your account number or not.

Step 7: If any PNB debit card is already linked to your account number, then first you have to block that PNB Debit card. Then go back and click on “Apply for new debit card.”

Step 8:After clicking on that, it will ask you for your name and account number. Enter your “Name” and “Account number” and click on the “Continue” button below.

Step 9: After clicking, enter your TPIN. After entering TPIN, you have completed your PNB Debit Card request.

Step 10: After 2-3 days, you will receive an SMS from PNB Bank, in which they have given you a Docket number for the Speed Post. Your PNB Debit Card will be issued to you within a few days.

Read More – PNB Zero Balance Account – Features, Benefits & Application Guide

Note: By any chance, if you have entered the wrong address or you are not available at your address at the time of the delivery of your PNB Debit Card. Then it will be delivered to the home branch (where you have opened your account). You can go and collect it from the home branch.

PNB Debit Card Cash Withdrawal Limits

Platinum

There are two variants under this, RuPay and Master

Cash withdrawal limit per day	₹1,00,000
Cash withdrawal limit, one time, at PNB ATMs	₹20,000
ECOM/POS Consolidated limit	₹3,00,000

CLASSIC

There are two variants under this, RuPay and Master

Personalised and non-personalised debit cards can be issued with the following usage limits:

Cash withdrawal limit per day	₹25,000
Cash withdrawal limit, one time, at PNB ATMs	₹20,000
ECOM/POS Consolidated limit	₹60,000

GOLD

There is one variant under this, VISA.

Personalised and non-personalised debit cards can be issued.

Cash withdrawal limit per day	₹1,00,000
Cash withdrawal limit, one time, at PNB ATMs	₹20,000
ECOM/POS Consolidated limit	₹3,00,000

PNB Debit Card Offers

Type	Offers
RuPay Cards	₹400 off on a Minimum Purchase Value of ₹1,999 Flat 500 instant discount on RuPay Credit Card EMI on MOV of ₹15,000. No additional Charges when you invest with a RuPay Credit Card on UP on NPS Get a 15%-50 % discount on Apollo products and offerings Flat ₹100 off on Gaana Annual Subscription 10% Instant Cashback upto₹ 500 on RCC on UPI transactions of any purchase value. Flat ₹1,250 off on purchases of ₹10,000 and above. Up to 15% cashback on Flights and Hotels. Note: - There are many more offers provided by the PNB Bank for RuPay Cards If you want to explore them all, click here
Master Cards	20% off DinoVenture when you make your purchase with MasterCard Priceless experiences are reserved for Mastercard cardholders 10 tickets will be made available for each show. Subject to availability, tickets are bookable up to 2 weeks in advance from each show date available on ATG’s website. Note: - There are many more offers provided by the PNB Bank for RuPay Cards If you want to explore them all, click here
Visa Cards	0% off the Best Flexible rate (BFR) for visa cardholders at participating IHG properties in Singapore, Thailand, Vietnam, Korea, Indonesia, Malaysia, Philippines, Maldives, Laos, Japan, Micronesia, Australia, New Zealand, and the South Pacific Islands. Simply pay with your Visa Card and enter the promotional code APVISA25 when booking your flight on www.qatarairways.com/apacvisa Apply the code VISAG1000/ADNG1000 on a minimum card value of ₹15,000 Pay via card Note: - There are many more offers provided by the PNB Bank for RuPay Cards. If you want to explore them all, click here

How to Activate a PNB Debit Card?

If you have received your PNB Debit Card from the branch or registered address, follow the steps below to activate your card and set or reset your PIN.

Step 1: Request OTP via SMS

Send SMS: From your registered mobile number, send an SMS in the following format:
- DCPIN [Space] Card Number to 5607040 or 9264092640
- Example DCPIN 4723XXXXXXXXXXXX
Receive OTP: You will receive a 6-digit OTP (One Time Password) on your registered mobile number. The validity of the OTP is 72 hours.

Step 2: Set/Reset Your PIN Using Different Channels

You can set or reset your ATM-cum-Debit Card PIN through the following channels:

1. PNB One App

Login: Open the PNB One App and log in with your credentials.
Select Option: After logging in, go to Debit Card > Generate Green PIN.
Card Details: Select the account number to which your card is linked. Enter the Card Number, Expiry Date (Month & Year), and the 6-digit OTP received.
Set PIN: Enter a new 4-digit ATM-cum-Debit Card PIN.
Confirm PIN: Confirm your new PIN and click Submit to complete the process.

2. Internet Banking Services (IBS)

Log in: Log in to your Internet Banking Services (Retail account).
Navigate: Go to Value Added Services > Card Related Services > Set/Reset Debit Card PIN.
Enter Card Details: Enter your Card Number and expiration date. Then, input the 6-digit OTP you received.
Set PIN: Enter a new 4-digit ATM-cum-Debit Card PIN and confirm it.
Submit: Click Submit to set your PIN.

3. PNB ATM

Insert Card: Visit a PNB ATM and insert your Debit Card.
Select Option: Choose Create/Change PIN (GPIN) on the ATM screen.
Enter OTP: You will be prompted to enter the 6-digit OTP received on your registered mobile number.
Set PIN: Enter a new 4-digit ATM-cum-Debit Card PIN and confirm it.
Completion: The PIN will be successfully generated and activated.

4. Interactive Voice Response (IVR)

Call the IVR Number: Dial 1800-1800 or 1800-2021 from your registered mobile number.
Select Language: Choose your preferred language for communication.
Select Debit Card Options: Follow the prompts to select Debit Card-related operations.
Generate/Validate OTP: Choose to generate or validate your OTP.
Enter Card Details: Input your 16-digit Debit Card Number and the 4-digit ATM-cum-Debit Card PIN.
Confirm: Confirm your new PIN to complete the process.

How to Block PNB Debit Card?

1. Call the Bank’s Toll-Free Numbers:

Dial 1800 1800 or 1800 2021 for customer service.

2. Select Language Preference:

After calling, choose the desired language:
- Press 1 for Hindi
- Press 2 for English

3. Select Card Management Options:

After selecting the language, press 2 for Blocking of Debit Card and other related services.

4. Choose the Relevant Option:

Press 2 if you know your Debit Card Number and PIN.

5. Options for Debit Card Management:

To Block the Card:
- Press 2 to block your card.
- Enter your 16-digit Debit Card Number.
- Enter your 4-digit PIN.
- Confirm the card number.
- Your card will be blocked.
To Change ATM PIN:
- Press 3 to change your ATM PIN.
To Enable/Disable Domestic Transactions:
- Press 4 to enable or disable domestic transactions on your debit card.
- Enter the 16-digit Card Number and 4-digit PIN.
- Choose whether to enable (1) or disable (2) domestic transactions.
- Select the type of transaction you want to enable/disable:
  - ATM Transactions (1)
  - POS Transactions (2)
  - ECOM Transactions (3)
  - Contactless Transactions (4)
- Confirm to activate or disable the selected service.
  
  Also Read – How to Activate a PNB Debit Card – Step‑by‑Step Guide
To Enable/Disable International Transactions:
- Press 5 to enable or disable international transactions on your debit card.
- Enter the 16-digit Card Number and 4-digit PIN.
- Choose whether to enable (1) or disable (2) international transactions.
- Select the type of transaction:
  - ATM Transactions (1)
  - POS Transactions (2)
  - ECOM Transactions (3)
  - Contactless Transactions (4)
- Confirm to activate or disable the selected service.
To Know or Update Transaction Limits:
- Press 6 for information or updates on transaction limits.
- Enter the 16-digit Card Number and 4-digit PIN.
- Choose from the following options:
  - ATM Transaction Limit Enquiry (1) / Update (2)
  - POS Transaction Limit Enquiry (3) / Update (4)
  - ECOM Transaction Limit Enquiry (5) / Update (6)
  - Contactless Transaction Limit Enquiry (7) / Update (8)
- Enter the amount to set or update the limit.
- A successful SMS will be sent to confirm the update.

Conclusion

PNB Debit Cards offer a convenient, secure, and flexible way to manage your finances. With features like ATM withdrawals, contactless payments, and the ability to make online purchases, they cater to the modern banking needs of customers. The card provides several benefits, including lounge access, cashback, and accidental death cover, making it a valuable financial tool for everyday transactions.

Additionally, the add-on card feature allows family members to use the primary cardholder's account. Options for blocking the card, enabling/disabling transactions, and updating transaction limits provide enhanced control and security.

Overall, the PNB Debit Card ensures ease of access to funds, safety, and flexibility to manage both domestic and international transactions, making it an essential card for everyday financial needs.

FAQ’s

What are offline contactless payments?

The key feature of Contactless Card is offline payments, which reduces the dependency on network connectivity. Offline payments do not require online connectivity with the card issuing bank, hence, you do not need to enter the 4-digit PIN. A card balance is used to make such payments.

How does contactless technology function?

A contactless card is a chip card with an inbuilt radio frequency antenna. This antenna uses Near Field Communication (NFC) technology to establish a secure connection with a contactless reader to transmit payment-related data.

Can I use my RuPay Contactless card outside India?

Yes, this card can be used outside India. The processing is as per regular transaction i.e., by dipping/swiping and entering the PIN.

What is RuPay NCMC Debit Card?

RuPay NCMC Debit Card is a contactless card that allows you to make payments in a fraction of a second, just by tapping the card on the card reader (supporting contactless transactions). No need to enter the PIN for completing contactless payments below ₹ 5000.

How to manage my card balance in case of a joint account?

As the card balance is specific to the physical card, it will be managed separately for you and your joint account holder. You will not be able to use the card balance of the other joint account holder using your card.