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PNB Gold Debit Card

PNB Gold Debit Card Details

Last Updated 01st Jan 2021

  • PNB Gold Debit Card can be used both offline and online.
  • PNB charges a fee of ₹ 250 as card issuance fee for issuing the PNB Gold Debit Card signature card.
  • The card can be attained via net banking, written request to the bank or by contacting the bank’s customer care.
  • PNB Gold Debit Card signature card offers a cash withdrawal limit of Nil.
  • In addition to that, the card can be used for making purchases up to Nil.
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PNB Gold Debit Card Overview

PNB Gold Debit Card is a Visa card and is amongst the various customer-oriented and beneficial debit cards offered by PNB. The card can be attained from the bank through both offline and online mediums such as net banking, written application or by contacting the bank’s customer care. It can be used to withdraw cash, for balance enquires, to deposit funds and for making online and offline payments.

Features
  • This card is issued in the form of a VISA card.
  • The card can be issued in both personalized and non-personalized forms.

How does PNB Gold Debit Card Works?

PNB Gold Debit Card can be used both offline and online for a different purpose. For offline payments, the card can be used through a card machine. The debit card works offline as and when the merchant inputs the transaction amount on the card machine. After this, the card user is required to enter the debit card PIN to complete the transaction. As the PIN is entered, a request is made to the bank as per which the required amount is deducted from the account linked to the debit card.

In addition to that, PNB Gold Debit Card also works online. This requires one to enter details like the 16 digit the card number, expiry date, and the three-digit CVV number-mentioned don the reverse of the card. As and when the details are entered, an OTP is sent to the registered mobile number of the debit card user. The OTP needs to be entered for completion of the transaction after which the amount is deducted from the linked current or savings account.

Features of PNB Gold Debit Card in India

PNB Gold Debit Card functions similar to all debit cards such as for cash withdrawal and online and offline purchases amongst others. However, the card features vary from each other on the basis of various parameters. PNB Gold Debit Card features are listed in the table below:

Maximum Cash withdrawal Nil
Maximum Purchase limit Nil
Annual maintenance charge ₹ 150
Card replacement charge ₹ 150
Issuance Charge

PNB Gold Debit Card Benefits

Some of the benefits offered by PNB Gold Debit Card signature card as listed as follows:

  • PNB Gold Debit Card can be obtained easily, as it involves minimum eligibility and documentation.
  • PNB Gold Debit Card signature card can be used to withdraw cash.
  • PNB Gold Debit Card offers the security of funds even when the card is stolen. This is because the card can be blocked immediately, and thus debit cards are safer for funds than physical cash.
  • Another benefit offered by PNB Gold Debit Card is that the card can be used across all points of sales whether offline or online and allows hassle-free transactions.
  • Also, debit cards are way more beneficial than a credit card in terms of debt management. While a credit card allows one to make purchases more than one’s account ability, a debit card allows purchasing as per the availability of funds.
  • Apart from the best utilization of one’s funds, PNB Gold Debit Card provides the additional benefit of rewards such as cashback offers and reward points.

PNB Gold Debit Card Eligibility

To avail a PNB Gold Debit Card, one needs to meet the below-mentioned eligibility criteria:

  • The minimum age requirement to attain PNB Gold Debit Card is 18 years.
  • Parents and guardians can attain a debit card on behalf of the minors.
  • One needs to have Government approved identity and address proofs such as Aadhar card, PAN card, passport, driving license or Voter ID card.
  • One needs to have a savings or current account with a bank to attain a debit card

FAQs

What is the limit of PNB Gold Debit Card ?

The maximum limit offered by PNB Gold Debit Card is ₹ 1 Lakh for withdrawals and is ₹ 1.25 Lakh for making purchases at Point of sales.

What are the annual maintenance charges on PNB Gold Debit Card ?

The annual maintenance charges on PNB Gold Debit Card are 150.

Which is the best debit card of PNB?

PNB offers different cards that are tailor-made to suit the needs of different debit card users. For instance, PNB Business Debit Card offers the highest withdrawal limit of ₹ 1 Lakh, while PNB Business Debit Card offers the highest purchase limit of ₹ 3 Lakh. In addition to that, PNB Business Debit Card, PNB Classic Debit Card, PNB Platinum Debit Card, PNB Gold Debit Card, PNB Rupay International Debit Card is the best card at the lowest annual fee of ₹ 150. Thus, based on one’s requirement, one can choose the best card amongst a number of them offered by PNB.

Can PNB Gold Debit Card be used internationally?

Yes, you can use PNB Gold Debit Cardinternationally for making payments or buying products.


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PNB News - Jan 2021
  • 2020-12-29 : PNB completes IT integration of all branches of two merged entities
    Punjab National Bank clarified that the customers of the former OBC Bank are now migrated to CBS of PNB wherein they can transact seamlessly via existing branches and digital banking channels like internet banking and mobile banking. The amalgamation of PNB, United Bank of India and OBC has come into effect from April 1, this year. The merger created the second-largest nationalized bank in terms of business and total branches.
  • 2020-12-01 : PNB introduced OTP based cash withdrawal from today
    PNB introduced a new facility for cash withdrawal applicable from 1 December 2020. Account-holders will require a One Time Password (OTP) for cash withdrawal of ₹10,000 and above from ATMs. Customers will first receive an OTP on their registered mobile number. Once the cardholder enters the amount they wish to withdraw, the ATM screen displays the OTP screen. The aim of this move was to add another layer of security for cash withdrawals.
  • 2020-08-17 : PNB launched campaign to promote digital banking.
    Punjab National Bank launched DIGITAL APNAYEN a campaign to encourage customers to use digital banking channels. It is striving to encourage customers to use digital channels and participate in the noble cause of donating to the PM CARES Fund for COVID-19 by PNB.
  • 2017-09-11 : PNB customers to pay after five ATM transactions from October
    Punjab National Bank customers will now have to pay a charge of Rs. 10, if they carry out more than five transactions a month from the bank’s ATMs. At present, its customers are allowed to make any number of transactions without attracting any charge. The revised charges on transaction will be effective from 1st October, 2017.
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