Pnb Rupay Mudra Debit Card - Benefits, Charges and Eligibility

Pnb Rupay Mudra Debit Card Overview

PNB Rupay MUDRA Debit Card is a non-personalised debit card which is offered on the RuPay platform. It offers cash withdrawal facility and its transaction cost is also very low.

Pnb Rupay Mudra Debit Card Features

• Issued under Rupay platform
• Cashless Shopping
• Daily cash withdrawal limit: Rs.25,000
• ECOM/POS Consolidated Limit: Rs. 60,000

Pnb Rupay Mudra Debit Card Eligibility

All account holders, who maintain a minimum balance and who regularly operate their accounts are eligible to get this card. Existing eligible customers can also upgrade the accounts to apply for this card.

Pnb Rupay Mudra Debit Card Fees & Charges

• Charges for issuance of Card : Nil
• Second Year Onwards Annual Fee: Rs. 100/- plus applicable taxes
• Charges for issuance of Add-on Card : Rs. 50/- plus applicable taxes
• Re-issue of PIN: Rs. 25/-
• Replacement/Re-issue of Lost/Damaged Card: Rs. 100/-
• Issue of ATM/Debit Card with photograph of Cardholder: Rs. 25/-
• Mark Up Charges for each POSP transaction at Petrol Pumps, Restaurants and for Railway Bookings, etc.: 2.5% + GST subject to minimum of Rs. 10/-

Pnb Rupay Mudra Debit Card Benefits

• Earn 1 point for every Rs. 100 purchases on PoS & E-Com
• Get 2, 3 or 4 points in addition to the regular points for every Rs. 100 spent at Max Get More partner outlets
• Higher withdrawal and transaction limit
• Quick and secure access for funds
• Lesser transaction cost
• Customer service available 24 hrs for all the 7 days of a week
The card comes with enhanced security
• Card holder can enjoy a wide array of benefits

Pnb Rupay Mudra Debit Card How to Apply

1. Contact your Branch.
2. If you don't have saving or Current Account, first open your account.
3. Get the Debit Card Application form from the Branch, fill it up and submit it to your Branch.
4. You will receive your Insta Debit Card & PIN (Personal Identification Number) at the time of submission of the application form.
5. In case of named Debit Card, the card will be delivered to the customer's residential address. The PIN will have to be collected from the respective Branch.
6. The customer has to activate the Insta Debit card after 24 hours from the receipt of the card by withdrawing cash from Dena Bank ATM.

Pnb Rupay Mudra Debit Card Documents Required

• Proof of Identity : Aadhaar Card/ PAN Card/ Passport Driving License/ Voter ID Card
• Proof of Address : Aadhaar Card/ Driving License/ Ration Card/ Voter ID Card/ Passport
• Passport sized photographs

What is EMV-Chip Based Debit Card?

EMV stands for Europay MasterCard and Visa, who developed this technology. EMV-chip based debit cards are the debit cards which have embedded microprocessor chip that stores and protects cardholders' information/ data. It uses enhanced security features to protect the important date of the card holders and discourages card's unauthorized usage.

EMV-chip based debit card generates fresh user data every time the user transacts. Therefore, it is impossible for hackers/ fraudsters to steal the information or copy the original data from any card. Further, EMV technology uses your debit card as well as PIN to complete any transaction.

The Reserve Bank of India (RBI) has asked all banks in the country to replace magnetic-strip debit/ credit cards with EMV-chip based cards by 31 December 2018 as magnetic cards are quite vulnerable to skimming. Banks have already replaced the existing magnetic strip debit/ credit cards with latest EMV chip cards. Banks will provide it free of cost.