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PNB
entry
•••• •••• •••• 0000
Debit Card
RuPayPunjab National Bank • RuPay• Entry
Annual Fee
Free
Base Reward Rate
0.00%
Foreign Tx Fee
3.5%
Tier
Entry
Joining Fee
Free
Verified
2026-05-27
Domestic & international access details and eligibility criteria
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹0
Blended 0.00% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
PNB RuPay NCMC Classic Debit Card (basic). Annual fee: Nil (basic) to ₹750 depending on scheme. Limits: ATM ₹25,000/day, POS/E-commerce ₹60,000/day consolidated. Network: RuPay (domestic). Card validity 7 years. Limits can be configured via PNB net banking. No lounge access on this basic variant (lounges are on RuPay Platinum tier). Flight accident insurance per RuPay scheme. NCMC (National Common Mobility Card) enabled for offline transit payments.