PNB Debit Card Charges: Withdrawal Charges Per Year, Decline Charges

Punjab National Bank (PNB) offers a range of debit cards tailored to meet the diverse needs of its customers. Each card comes with its own set of charges and fees, making it essential to understand these costs for better account management. To help you navigate your banking transactions more wisely, here’s a detailed look at the applicable PNB debit card charges across various scenarios.

PNB Debit Charges Per Year

Here is an overview of the PNB debit card annual charges that you need to know about:

PNB Debit Card Withdrawal Charges

Below is a detailed overview of the charges incurred on debit cards by Punjab National Bank: 

• Transactions at PNB ATMs: The first five withdrawals made at PNB ATMs are every month, post which the bank charges Rs, 10 for every subsequent withdrawal. 
• Transactions at Other Bank ATMs: Transactions made in metro cities like Kolkata, Chennai, Mumbai, Delhi, Hyderabad, and Bengaluru are limited to 5 free withdrawals, after which a charge of Rs. 20 is applicable per transaction.
• Transactions at International ATMs: The ATM withdrawal fee is Rs. 50 for every transaction of cash withdrawals that are made internationally. Additionally, international POS purchases call for a 1.5% percentage-based charge on the transaction amount.

PNB Debit Card Service Charges

Here is a detailed overview of the different PNB debit card charges that get levied upon customers:

• Annual Maintenance Charges (AMC): These are annual charges incurred on all debit cards that cover administrative costs such as processing fees, customer support and other security measures. 
• Replacement Charges: PNB charges a replacement fee for regenerating debit cards that are misplaced, damaged, or stolen.
• Transaction Charges: PNB applies fees on debit card usage, including ATM withdrawals, POS purchases, and balance inquiries.
• Other Service Charges: In addition to the charges mentioned above, fees also apply for cheque issuance, balance inquiries, and excess debits in BSBD (Basic Savings Bank)

PNB Declined Transaction Charges

Here is a list of declined transaction charges on PNB ATM debit card due to insufficient funds or other reasons:

• A charge of Rs. 15 is incurred for declined POS or E-commerce transactions.
• The charge for declined international E-commerce and POS transactions is Rs. 25.
• For failed ATM cash withdrawal transactions, the charge is Rs. 10.

Understanding the PNB debit card charges is an important step in managing finances well. Knowing what these fees include can also help to mitigate surcharges and fees when using your debit card or making withdrawals.

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