PNB to update debit card charges on declined transactions due to insufficient balance at PoS machines, eComm transactions

As per the website, “Dear Customer, Bank is in process of implementing the changes w.e.f 6-12-23 — Bank will start levying charges on declined Transactions due to insufficient balance at PoS machine and eComm Transactions (Domestic/International) done through Debit Card.”

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The bank as of now charges Rs 15 for transaction declined due to insufficient balance for debit cards as per website. The rates were updated as on June 5, 2023.

The issuance and annual charges on debit cards & pre-paid cards are as follows:

S. No.VariantFor Primary Debit CardFor Add On Card / Card Replacement Charges (Due To Lost, Hotlist, Damage)Annual Charges1Rupay NCMC ClassicNil1501502Master ClassicNil1501503VISA ClassicNil1501504Rupay Classic KisanNil150Nil5RuPay PMJDYNil150Nil6RuPay PungrainNil150Nil7RuPay MudraNil150Nil8RuPay NCMC Platinum2502502509Rupay International25025025010RuPay JCB Platinum25025025011Master Platinum25025025012Master International25025025013VISA Gold25025025014Master Business25025050015VISA Signature50050075016RuPay Select500500750

Charges after free transactions
After 5 transactions per month, PNB will charge Rs 10 plus GST taxes each transaction at its own ATMs located in metro and non-metro areas.

Charges after free transactions other bank’s ATMs
PNB would charge Rs 21/- + relevant taxes every transaction after three transactions per month. Non-financial transactions will be charged Rs 9 plus applicable taxes after the free transaction limit has been reached in Metro cities.

HDFC Bank
Decline charges for insufficient balances
Transactions declined at other bank ATMs anywhere in the world or at a merchant outlet / website

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