New PNB ATM Withdrawal Limits & Transaction Charges 

Debit cards give you the freedom to make transactions anywhere without carrying cash. Just like other banks, Punjab National Bank also offers a comprehensive range of cards to its customers to make banking seamless for them. However, if you are an existing customer, you should be aware of the PNB ATM withdrawal limit to avoid unwanted surprises. 

For more details, keep reading! 

Quick Summary

• Customers get 5 free ATM transactions per month. After this, a ₹10 charge applies.
• 3 free ATM transactions in metro cities and 5 in Tier 2 & 3 cities at other bank ATMs are applicable.
• For overseas use, cardholders are charged ₹50 for cash withdrawals and ₹10 for balance enquiries, plus applicable taxes.
• The daily cash withdrawal limits vary by card type. 
• Annual charges, including card issuance and PIN regeneration range from ₹0 to ₹750.

Withdrawal Charges Applicable on PNB ATM Cards 

Customers do not have to worry about PNB debit card charges for the first 5 transactions of a month. However, if you withdraw money using a PNB ATM after exceeding this limit, the bank will charge ₹10 for each transaction. 

It is important to note that starting May 1, 2025, the Reserve Bank of India (RBI) implemented a revised ATM fee structure. Under this new guideline, the charges for ATM withdrawals beyond the free limit have increased. 

Withdrawal Limits at Other Bank ATMs 

Instead of using a PNB ATM if you visit other bank ATMs, you can enjoy 3 free transactions in metro cities (Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad). Conversely, people in Tier 2 and Tier 3 locations can withdraw money for free up to 5 times a month.

Irrespective of whether you request a financial or non-financial transaction above the PNB ATM withdrawal limit, you will be charged ₹20 and ₹9 on each instance respectively. 

How Much International Charges Do You Need to Bear on PNB Debit Cards? 

If you are about to use your PNB RuPay debit card outside India, note these points:

• Cash Withdrawal Fees: A flat fee of ₹50 + applicable taxes will be charged regardless of whether you exceed your PNB RuPay Debit Card limit or not.
• Balance Enquiry Charges: A fixed rate of ₹10 + applicable tax will be levied for every overseas balance enquiry. 

What are Some Common Fees and Charges of PNB Debit Cards? 

Consider referring to the table below for the latest charges of a PNB ATM card:

Withdrawal Limitations Set for Different Types of PNB Debit Cards

To better assume the PNB ATM withdrawal limit per month, you may go through the table given below:

How to Use PNB Debit Card - Online and Offline 

Card owners can use their PNB ATM card both offline and online. For offline usage, you have to either swipe your card in a machine and provide the PIN or tap the card for contactless payments. 

On the other hand, for online transactions, you must provide your card number, expiry date and CVV. Finally, to authorise an online payment you must enter the OTP received on your registered phone number.

Final Word

Knowing the PNB ATM withdrawal limit will enable you to better plan your monthly budget, and thereby you can efficiently use your card for payments. For more detailed information, you can reach out to the bank’s website or call their customer helpline number.