PNB INTRODUCES ADD-ON DEBIT CARD :-
Share the convenience of PNB Debit card with your loved ones .Simply gift them add-on card .
PNB Customers of CBS branches can get two add-on cards alongwith his own Debit card for free.The person you are gifting the card to does not necessarily has to be an account holder with PNB.
The add-on card can be issued in the name of spouse, dependent parents,and dependent children not below 18 years.The add-on cardholders like the main cardholder will also be covered for accidental death insurance of Rs. 1 lac subject to certain terms and conditions. The tranasactions done by add-on cardholders will automatically get debited to the account of the primary cardholder who shall be responsible for all the transactions made by Add On card holder/s.
For more details contact any of our CBS branches or All India helpline No 1800 180 2222(Toll Free) or 0124-2340000(Accessible from mobile also)

To avail of the above facility visit any of our CBS branches of PNB.

Issuance of Debit Card from Call centre :-
"CBS branches customers of our Bank may also get PNB Debit Card simply by contacting our All India Call Center over phone at the following no's :-
1800 180 2222 Toll free
0124-2340000 Accessible from mobile also.
The Card shall be delivered at their communication addess."

ATM Sharing Arrangements

Personal Identification Number (PIN) is the key security feature of the Debit Card. It is a four digit numerical number.

A few aspects of Bank’s Debit Card are highlighted as under:

	Valid in all Maestro and Cirrus Acceptance Marks.
	Acceptance in India at over 32,000 “Maestro” Merchant locations and over 4200 MasterCard ATM’s across 70 cities.
	Wide acceptance at both Merchant Locations (including Utility bill payment) and ATM locations across India
	A PIN (Personal Identification Number) based magnetic Stripe Card which provides the safety and security to customers, while accessing their funds with the bank
	PIN can be changed at all PNB networked ATMs
	Initially available to account holders of CBS branches that are networked
	It is offered absolutely FREE
	No pre-set limit on the card. Limit is equal to the available funds in the customers’ account. Initially Rs.15,000 cash withdrawals and Rs.25,000 by way of point of sale (POS) transactions per day are permitted
	Card validity - Till the customer holds the account
	Bank has tied up with Reputed Corporate and Local Merchants to provide discounts on usage of card for payment through Debit Card. Corporate from the entire spear are covered, to quote few are like Escorts, Max Health Care, Apollo, Travel Gin, Cox and Kings, Holyday INN, Hans, Park. A list of tie-ups is available
	ACCIDENTAL INSURANCE COVER ON ALL DEBIT CARDS WILL NOT WILL BE AVAILABLE AFTER 31.03.2007.
	All transactions on PNB’s Networked ATMs are free. On transactions of other banks’ ATMs, (excluding ATMs coming under MITR Shared ATM Network, NFS ATM Sharing Arrangement, PNB~SBI Bilateral ATM Sharing arrangement ) following charges shall be applicable: Cash withdrawals Rs.38/- Balance enquiry Rs.8/-
	All POS transactions (shopping transactions) are also free
	PNB Debit Card is an International card. It can be used all over the world on ATMs displaying Cirrus Logo and merchant establishments displaying Maestro logo. The charges for International transactions are as follows: Cash Withdrawal - Rs. 150/- per transaction Balance Enquiry- Rs. 15/- per transaction
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	ATM Sharing Arrangements
	MITR Shared ATM Network: The list of members under this arrangement: 1. Oriental Bank of Commerce 2. Indian Bank 3. Karur Vysya Bank Ltd. 4. IndusInd Bank 5. UCO Bank Charges applicable: Cash Withdrawal - Rs. 17/- per transaction Balance Enquiry- Rs. 5/- per transaction top
	NFS ATM Sharing Arrangement: The list of member banks under this arrangement:    1. Allahabad Bank    2. Andhra Bank    3. Bank of Baroda    4. Citi Union Bank    5. Corporation Bank    6. Dena Bank    7. Development Credit Bank    8. ICICI Bank    9. IDBI Bank  10. Oriental Bank of Commerce  11. Tamilnadu Merchantile Bank  12 .The Dhanalakshmi Bank  13. The Jammu & Kashmir Bank  14. The Karnataka Bank  15. The Karur Vysya Bank  16. The South Indian Bank  17. The United Western Bank  18. YES Bank Charges applicable: Cash Withdrawal - Rs. 24/- per transaction Balance Enquiry- Rs. 12/- per transaction top
	PNB~SBI Bilateral ATM Sharing arrangement: Charges applicable: Cash Withdrawal - Rs. 22/- per transaction Balance Enquiry- Rs. 10/- per transaction
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Branches eligible to issue Debit Cards:

Initially Debit Cards are issued to the customers of CBS branches only. All the CBS branches are eligible to issue Debit Cards to their customers

Who is eligible for PNB Debit Card:

All existing customers who are maintaining minimum balance and who regularly operate their account shall be eligible for the issuance of Debit Card. New customers who open their accounts after introduction of the Debit Card shall also be eligible for the issue of Debit Cards at the time of opening the account itself.

Existing ATM Cardholders who have done at least one transaction during the immediately proceeding quarter.

Debit Card facility shall be extended to the individual customers only, having Savings Bank Account and Current Account. Debit cards shall also be issued to individual customers having overdraft facility, which is in the nature of a personal loan. This shall mean and include personal loans extended to individual customers in the form of a regular overdraft limit such as clean overdraft facility or overdraft facility against FD/NSCs/LICs etc. where operations through cheques are permitted.

Debit Card can be issued in Joint Accounts with “Either or Survivor”/”Former or Survivor” mandate. In “Either or Survivor” accounts cards can be issued to both the account holders whereas in “Former or Survivor” accounts card can be issued only to the Former. In joint Accounts where account has to be jointly operated Debit Card shall not be issued unless mandate for operation of account is changed to “Either or Survivor” or “Former or Survivor” basis.