Monetary Compensation Scheme on Debit Card:

Accident insurance claim is available for both premium and non-premium for debit card users.

Premium cards include:

• Rupay Platinum and Rupay Select Debit Card

Non premium cards include:

• Rupay PMJDY Debit Card

For Accidental Death/Permanent Disability Insurance on Rupay Platinum and Rupay Select Debit Cards, Customer should have performed minimum one successful Rupay Card induced financial transaction at any POS/ Ecom, both Intra and Inter-bank i.e. on-us or off us within 30 days prior to date of accident including accident date of Rupay Cardholder

For Accidental Death/Permanent Disability Insurance on Rupay PMJDY Debit Cards, Customer should have performed financial or non-financial transaction at any Channel both Intra and Inter-bank i.e. on-us (ATM/MicroATM/POS/e-com/Business Correspondent of the bank at locations by any payment instrument) within 90 days prior to date of accident including accident date of Rupay PMJDY . Cardholders or off us (same bank channels- Bank Customer/Rupay cardholder transactions at other bank channels).

For Rupay card holders, insurance facility for both accidental death/permanent disability is available:

Presently, there is no Insurance feature available for Rupay Classic Cards.

For MasterCard and VISA Debit Card holders, currently there is no Insurance feature available for Accidental Death/ Permanent Disability.

Family member(s) / beneficiaries of a deceased PNB ATM / Debit Card holder should intimate their base branch within 90 days from the date of death.

Claim should be submitted within 90 days from the date of accident. In case it is submitted after 90 days, the insurance company will carry out an investigation & it would be honored if all other conditions are met as on date of accident.

• Charges on PNB ATMs for PNB Card holders

  Number of Free ATM Transactions on PNB ATMs per month: 5 Charges on transactions (over and above free transactions): Rs. 10 (plus taxes)

  No. of Transactions includes financial and non-financial transactions (only mini statement). There are no charges for other non-financial transactions except mini statement. The above charges are effective from 01/09/2017

• PNB Cardholders attached to Saving Bank accounts may make three transactions (Financial & Non-Financial) in 6 Metro cities (Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad) and five transactions in other cities at ATMs of other banks free of cost in every calendar month. Other transactions will attract charges of Rs. 20 for financial transactions and Rs. 9 for Non-Financial Transactions respectively at other Bank ATMs.
• However for RuPay Mudra Card launched in July-2015, all ATMs transaction attract charges where customers make transactions on other banks ATMs.
  Any no. of POS / ecommerce transactions are also free except No. 7 & 8.
• The charges for International transactions at ATMs are as follows:

  Cash Withdrawal-- Rs. 150/- per transaction.

  Non-financial Transaction --Rs. 30/- per transaction

• The charges for International ATM transactions in Nepal under Everest Bank Ltd. Sharing arrangement are as follows:

  Cash Withdrawal Rs. 50/- per transaction

  Balance Enquiry--Rs. 15/- per transaction

• The charges for International ATM transactions in Bhutan under Druk PNB Ltd. (DPL) Sharing arrangement are as follows:

  Cash Withdrawal Rs. 6/- per transaction.

  Balance Enquiry--Nil.

• 1. Complaints lodged against failed ATM transactions will be resolved within 7 working days of receipt of complaints.
• 2. For delayed resolution, compensation of Rs.100 per day will be paid if claim is lodged within 30 days of the date of transaction.
• 3. All such complaints be lodged at our Customer Relationship Centre by calling # 0120-2490000 and ( Toll Free)18001802222; 1800 103 2222.