CREDIT CARD (DUPLICATE)

JAGDISH MAHATO
KUARDI COLLIERY 5 NO PO-KALIPAHARI BURDWAN,
,CHELOD,713339
19 Mobile No: 9735120168
Invoice No : 2024CC5407171
Card No : 652859XXXXXX4468 "For efficient & prompt
customer service,
Invoice Date : 20-NOV-2024 Scan and download
Payment Due Date : 10-DEC-2024 PNB GENIE”
Total Amount Due : 51081.4
Total Amount Due for Month : 51081.4
Minimum Amount Due : 4195.97

* TAD for the month consists of current month purchases, charges, cash advances and amount of BT/EMI due
for the month if any.
• Making only the minimum payment if any month would result in the repayment stretching over subsequent
months with consequent interest payment on your outstanding balance. Always get MOREwith
• Please examine your statement immediately upon receipt. If no error is reported within 60 days from the date
of statement, the account will be considered correct. PNB Credit Cards
• Place of supply : Punjab National Bank, 3rd Floor, Rajendra Bhawan, Rajendra Place, New Delhi - 110008,
State Code : 07
• Gstin No.: 07AAACP0165G3ZP
• Registered Address : Punjab National Bank, Plot No. 7, East Block Road, Bhikaji Cama Place, New Delhi.
New Delhi - 110066, State Code: 07
Account Summary

Previous Balance Purchases and other charges Cash Advances Payments and Other Credits Total Amount Due

0 51081.4 0 0 51081.4
Transaction Date Post Date Trnx Details From 21-OCT-2024 to 20-NOV-2024 Amount in Rs.

11-NOV-2024 13-NOV-2024 Csc E Governanccsc E Governanchi Dlin 50491.40 Dr

Scan below QR Scan below QR
Code to Apply Code to Apply

20-NOV-2024 20-NOV-2024 Overdrawn Limit Ch (SAC 9971) 500.00 Dr Rupay Millennial Card Rupay Platinum Card

20-NOV-2024 20-NOV-2024 Igst @18% 90.00 Dr

Total Purchase : 50491.4
Total Charges : 500
Presenting Rupay Platinum and RuPay Millennial Credit Cards
Total Tax : 90
l Minimal Joining and Annual Fee
l NIL Renewal Fee

*********** End of Statement *********** l

l
300+ Reward Points on Activation
2 Add-On Cards Facility
l Complimentary Domestic and International Lounge Access
l 300+ Merchant Offers

PNB RuPay Platinum: PNB RuPay Millennial:

l Comprehensive Insurance Coverage l Comprehensive Insurance Coverage
upto INR 2 lakhs upto INR 10 lakhs
l 1 Reward Point on every INR 100 spent l 2 Reward Points on every INR 150 spent
l Complimentary Health Check-up, Golf &
Spa Sessions and Gym Membership
T&C Apply

18001802345 or 01204616200 l www.pnbcard.in

Always get MORE

with PNB Credit Cards

Total Invoice Value 51081.4

Reward points details Opening Balance Points Earned Points Redeemed Points Revised Points Expired Available Points

0 672 0 0 0 672

Credit Summary Total Credit Limit Total Cash Limit Available Credit Limit Available Cash Limit
(including cash) (as a part of Credit Limit) (including cash)

50000 10000 0 0

Why pay in Rupees Presenting Scan below QR Scan below QR

Code to Apply Code to Apply
Rupay Millennial Card Rupay Platinum Card

RuPay Select
when you can RuPay? Credit Card

Presenting Rupay Platinum and RuPay Millennial Credit Cards

l Minimal Joining and Annual Fee

l NIL Renewal Fee
l 300+ Reward Points on Activation
l 2 Add-On Cards Facility
l Complimentary Domestic and International Lounge Access
l 300+ Merchant Offers

PNB RuPay Platinum: PNB RuPay Millennial:

l Comprehensive Insurance Coverage l Comprehensive Insurance Coverage
upto INR 2 lakhs upto INR 10 lakhs
l 1 Reward Point on every INR 100 spent l 2 Reward Points on every INR 150 spent
l Complimentary Health Check-up, Golf &
Spa Sessions and Gym Membership
1-800-180-2222 or T&C Apply
1-800-103-2222 Toll Free

?????Xkzkgd---ges”kk vkxsA www.pnbindia.in 18001802345 or 01204616200 l www.pnbcard.in

CAUTION :
Never reveal your credit card number, PIN, CVV or any other security information on your card to anyone, including anyone calling from PNB Bank never asks for this information. So beware of fraudsters.

Please make all Cheque / Draft duly crossed payable to "PNB Credit Card No 652859XXXXXX4468 " and write your Name and Contact Number on the reverse of the instrument.

Note : This is system generated mail. Please do not reply to this mail.
 You can avail following services in your credit card by sending SMS from your Registered Mobile Number
: (RMN)

1. To activate a Card, SMS ACTIV<SPACE>LAST 6 DIGIT OF CARD NUMBER<SPACE>DOB IN DDMMYYYY> TO 7092200200

2. To deactivate a Card, SMS DEACTIV<SPACE>LAST 6 DIGIT OF CARD NUMBER<SPACE>DOB IN DDMMYYYY> TO 7092200200
3. To Generate a Pin, SMS CARDPIN<SPACE>LAST 6 DIGIT OF CARD NUMBER<SPACE>DOB IN DDMMYYYY> TO 7092200200
4. To Get mini statement, SMS CCBAL<SPACE>LAST 6 DIGIT OF CARD NUMBER<SPACE> MMYYYY month and year of which statement required> TO 7092200200
5. To Block a Card, SMS HOT<SPACE>LAST 4 DIGIT OF CARD NUMBER TO 7092200200

Different modes of payment of credit card dues

Depositing Cash : Approach any branch ofPNB as per your convenience to deposit cash towards payment of Credit Card dues.

Transfer of Funds : Credit Card Holders can opt to get theamount transferred from their deposit account maintained with PNB towards payment of Credit Card dues.

Clearing instruments like Cheques / Drafts / Pay Order : PNB Bank Branches accept and lodge the other bank’s Cheques received towards payment of PNB Credit Card dues. The name of the
card holder and contact number should be mentioned on the back of the cheque and the cheque should be drawn in favor of “PNB Credit Card No - (16 Digit Credit Card Number).

Instruments dropped at the Drop Boxes in Selected Branches : To facilitate payment of monthly billing dues by the card holders "Cheque Drop Boxes" have been installed at the branches of
PNB at the identified centers.

Auto Debit : Primary cardholder who is maintaining account with PNB may request for recovery of Credit Card dues either for "Minimum Amount Due" or "Total Amount Due", through Auto Debit,
either at the time of application of Credit Card or at a later stage. The format for Auto Debit request isavailable at the Bank's Credit Card website accessible through www.pnbcard.in or through
Credit Card link at www.pnbindia.in

Internet Banking : The Card Holder who is a customer of our Bank and having Internet Banking User ID & Password may access to his Credit Card Account through Internet Banking and can
make payment of Credit Card Dues.

VISA money transfer facility : In case where a PNB"s Credit Card holder is maintaining an account with the Bank that provides the facility of online transfer through VISA Money Transfer, such
Credit Card holders can make use of VISA Money Transfer facility to make payment of monthly Credit Card dues. Cardholder has to log on to their Bank's net banking website and go to VISA
Money transfer link for making such Transfer.The cardholder will fill the necessary details about recipient and payee such as VISA Card Number, Name, Address and Amount to be transferred for
transfer of funds. Money transfer transaction through VISA money takes 2 working days to reach the beneficiary bank account and beneficiary bank will then transfer the funds to Credit Card
account.

National Electronic Fund Transfer (NEFT) : A card Holder can also make the payment through the account of other banks towards PNB Credit Card dues, through National Electronic Fund
Transfer (NEFT). NEFT Facilityis available to the customers of other banks for sending remittance to PNB Credit Cards at branches of other Banks.

The Credit Cardholder must fill up the following fields, as given here under, at the time of making the payment of Credit Card dues :
1. IFSC code of beneficiary branch : It is always PUNB0112000
2. Name of Destination Branch : ECE House, New Delhi
3. Type of Destination Account : Current Account
4. Beneficiary a/c. No.: It is 16 digits Credit Card Number.

Through PNB ATMs : PNB account holder can pay PNB Credit
Card dues by using their PNB ATM/debit card at PN"Bs ATMs.

Making Online Payment through "Bill Desk" : PNB Credit Card holder maintaining accounts with Banks other than PNB,can make online payment towards PNB Credit Card Dues through Bill
Desk by using Internet banking channel of other selected Banks.

Schedule of Fees & Charges for Credit Card

Sr.
Particulars VISA Classic / Gold VISA Platinum RuPay Platinum / Select / Millennial VISA Signature
No.
1 Classic : NIL Rs. Nil Platinum: Nil Rs 1500/-
Gold : Rs. Nil Select: Rs.500/-
Joining fee – Primary
Millennial : Rs 399/-

Nil for Credit Card issued against bank's lien on Fixed Deposit

Classic: Nil Rs.500/- (for each add-on card) Platinum/Select:Nil Rs 500/-

Joining fee - Add-on
Gold: Nil Millennial : Rs 399/-
cards
Nil for Credit Card issued against bank's lien on Fixed Deposit

Joining fee –
i) Corporate Card with
corporate liability Minimum Rs.2,000/- Minimum Rs.2,000/- -------------- --------------
ii) Corporate Card with Minimum Rs.1,000/- Minimum Rs.1,000/- -------------- --------------
individual liability

2 Renewal fees NIL NIL NIL NIL

3 Classic: NIL Rs.500/- Platinum: Rs.500/-

Annual fees Gold: Rs.300/- Select: Rs.750/- Rs 2000/-
Millennial : Rs 999/-

4 Annual fees-add on card NIL NIL NIL NIL

4a Annual fee –
i) Corporate Card with
Minimum Rs.2,000/- Minimum Rs.2,000/-
corporate liability -------------- --------------
Minimum Rs.1,000/- Minimum Rs.1,000/-
ii) Corporate Card with -------------- --------------
individual liability

5a Finance charges/ interest

2.95% per month 2.95% per month 2.95% per month 2.95% per month
rate p.m on revolving
credit/ cash withdrawn/
amount overdue – FOR 1.5% per month for cards against Fixed Deposit
PUBLIC

5b Finance charges/ interest

1.50% per month 1.50% per month 1.50% per month 1.50% per month
rate p.m on revolving
credit / cash withdrawn/
amount overdue – FOR 1.50% per month 1.50% per month 1.50% per month 1.50% per month
STAFF / EX-STAFF
6 Annualized percentage
35.89% p.a 35.89% p.a 35.89% p.a 35.89% p.a
rate(APR) on revolving
credit 19.56% p.a. for Credit Cards issued against bank's lien onFixed Deposit

7 Cash advance transaction charges#:

A-Domestic

I) PNB's ATMs 2% of cash withdrawn or Rs.100/- 2% of cash withdrawn or Rs.100/- Platinum: 2% of cash withdrawn or Rs.100/- Signature : 2% of cash withdrawn
whichever is higher whichever is higher whichever is higher or Rs.100/-whichever is higher
Select /Millennial: 2% of cash withdrawn or
Rs.150/-whichever is higher

II)Other ATMs 2% of cash withdrawn or Rs.150/- 2% of cash withdrawn or Rs.150/- Platinum:2% of cash withdrawn or Rs.150/- Signature : 2% of cash withdrawn
whichever is higher whichever is higher whichever is higher or Rs.150/- whichever is higher
Select/ Millennial:2% of cash withdrawn or
Rs.200/- whichever is higher

B-Overseas 2% of cash withdrawn or Rs.300/- 2% of cash withdrawn or Rs.300/- Platinum:2% of cash withdrawn or Rs.250/- Signature : 2% of cash withdrawn
whichever is higher whichever is higher whichever is higher or Rs.300/- whichever is higher
Select/ Millennial :2% of cash withdrawn or
Rs.300/-whichever is higher.

8 Late payment fee On outstanding Total Amount Due as under:

Rs.1000/- or Less – Nil
Rs.1001/- to Rs.5000/- – Rs.500/-
Rs.5001 to Rs.10000/- – Rs.600/-
Above Rs.10000/- – Rs.750

For Credit Card against FD: 30% of minimum amount due subject to Min.Rs.200 & Max. Rs.500 per billing cycle.

9 Charges for over the

2.5% OR Minimum Rs.250/- 2.5% OR Minimum Rs.500/- 2.5% OR Minimum Rs.500/- 2.5% OR Minimum Rs.500/-
credit limit usage

Minimum Rs.250/- for Credit Cards issued against Fixed Deposit

10 Return of cheques/ Rs100/- per instrument Rs.250/- per instrument Rs.200/- per instrument Rs.250/- per instrument
dishonour of ECS / Auto
debit (SI) Rs.100/- per instrument for cardsagainst fixed deposit

11 Duplicate statement Rs.50/- Rs.50/- Rs.50/- (no charges for e-statement) Rs.50/-
(beyond three months) Free for card against Fixed Free for card against Fixed
Deposit Deposit

12 Card replacement fee Rs.100/- per card Rs.250/- per card Rs.200/- per card Rs.250/- per card
(for reasonsother than Rs.100/- per card for card against Rs.100/- per card for card against
technical defects) Fixed Deposit Fixed Deposit

13 Pin replacement fee Rs.50/- per card Rs.100/- per card Rs.100/- per card Rs.100/- per card
(no charges for electronic pin/E (no charges for electronic pin /E pin) (no charges for electronic pin/E
pin) pin)

Rs.50/- per card for cards against Fixed Deposit

14 Retrieval of charge slip Rs.100/- Rs.100/- Rs.100 Rs.100/-

15 Limit enhancement
Nil Nil Nil Nil
charges

16 Balance transfer 1% of transfer amount or 1% of transfer amount or 1% of transfer amount or Rs.199/-, whichever 1% of transfer amount or
processing fees Rs.199/-, whichever is higher. Rs.199/-, whichever is higher is higher. Rs.199/-, whichever is higher.

17 Balance transfer interest 0.99% p.m. for BT facility under 0.99% p.m. for BT facility under 0.99% p.m. for BT facility under EMI scheme 0.99% p.m. for BT facility under
charges EMI scheme for period of six EMI scheme for period of six for period of six months EMI scheme for period of six
months months months

18 Foreign currency 3.50% markup over and above 3.50% markup over and above 3.50% markup over and above the currency 3.50% markup over and above the
transaction the currency conversion rate the currency conversion rate conversion rate currency conversion rate

Processing fee for payment

19 Outstation cheques Outstation & cheques are not Outstation cheques are not Outstation &cheques are not accepted. Multi- Outstation cheques are not
accepted. accepted. city cheques will be accepted towards accepted.
Multi-city cheques will be Multi-city cheques will be payment of Credit Card dues. Multi-city cheques will be
accepted towards payment of accepted towards payment of accepted towards payment of
Credit Card dues. Credit Card dues. Credit Card dues.

20 Charges on railway At counter: 2.5% on the At counter: 2.5% on the At counter: 2.5% on the transaction At counter: 2.5% on the
tickets purchase or transaction amount. transaction amount. amount. transaction amount.
cancellation) IRCTC website: Upto 1.8% of the IRCTC website: Upto 1.8% of the IRCTC website: Upto 1.8% of the transaction IRCTC website: Upto 1.8% of the
transaction amount. (Transaction transaction amount. (Transaction amount. (Transaction amount comprise of the transaction amount. (Transaction
amount comprise of the ticket amount comprise of the ticket ticket charges + service charges by Railways/ amount comprise of the ticket
charges + service charges by charges + service charges by IRCTC ) charges + service charges by
Railways/ IRCTC ) Railways/ IRCTC ) Railways/ IRCTC )

21 Custom Duty /Airport tax 2.25% of transaction amount 2.25% of transaction amount 2.25% of transaction amount (minimum 2.25% of transaction amount
/ Excess Baggage (minimum Rs.75/-). (minimum Rs.100/-) (minimum Rs.75/-). (minimum Rs.100/-) (minimum
Rs.75/- for cards against Fixed Rs.75/- for cards against Fixed
Deposit) Deposit)

22 Fuel surcharge Min. Rs.10 or 1% on transaction< Min.Rs.10 or1% on Min. Rs.12.50 or 1% on single fuel transaction Min. Rs.10 or 1% on
(exclusive of service tax Rs.400 &> Rs.3000/- . transaction <Rs.500 &> of <Rs.500 &> Rs.3000/-. transaction <Rs.500 &>
and other charges) Corporate Cards with Corporate Rs.4000/- . Platinum: maximum surcharge waiver up to Rs.4000/- .
Liability: Min.Rs.10 or 1% on Corporate Cards with Corporate Rs. 250/- within a billing cycle exclusive of Corporate Cards with Corporate
transaction. Liability: Min.Rs.10 or 1% on service tax and other charges. Liability: Min.Rs.10 or 1% on
transaction. Select/ Millennial: maximum surcharge waiver transaction.
up to Rs. 350/- within a billing cycle exclusive
of service tax and other charges.
23 Free interest period 20-50 days-this is applicable only 20-50 days-this is applicable only 20-50 days-this is applicable only on retail 20-50 days-this is applicable only
on retail purchases and if the on retail purchases and if the purchases and if theprevious month’s balance on retail purchases and if the
previous month’s balance has previous month’s balance has has been cleared in full. Interest free grace previous month’s balance has
been cleared in full. been cleared in full. period is not applicable if the cardholder has been cleared in full.
Interest free grace period is not Interest free grace period is not withdrawn cash from ATM. Interest free grace period is not
applicable if the cardholder has applicable if the cardholder has applicable if the cardholder has
withdrawn cash from ATM. withdrawn cash from ATM. withdrawn cash from ATM.
24 ‘Minimum amount due’ to 5% of total amount due or such 5% of total amount due or such 5% of total amount due or such other amount 5% of total amount due or such
be paid by due date other amount as may be other amount as may be as may be determined by PNB at its sole other amount as may be
determined by PNB at its sole determined by PNB at its sole discretion. EMI amounts are added in full to determined by PNB at its sole
discretion. EMI amounts are discretion. EMI amounts are minimum amount due discretion. EMI amounts are
added in full to minimum amount added in full to minimum amount added in full to minimum amount
due due due
25 Cash advance limit 20% of credit limit 20% of credit limit. 20% of credit limit 20% of credit limit.
26 PNB EMI plan; 2% of transaction amount 2% of transaction amount 2% of transaction amount minimum Rs. 200/- 2% of transaction amount
(i) Processing fees minimum Rs. 200/- minimum Rs. 200/- minimum Rs. 200/-
(ii) Finance charges 18% p.a.(1.5% p.m.) 18%p.a.(1.5% p.m.) 18% p.a.(1.5% p.m.) 18%p.a.(1.5% p.m.)
(iii) Prepayment charges 3% on outstanding amount 3% on outstanding amount 3% on outstanding amount . Nil for card 3% on outstanding amount
Nil for card against fixed deposit Nil for card against fixed deposit against fixed deposit Nil for card against fixed deposit
27 Recovery of charges for Rs.50/- Rs.50/- Rs.50/- Rs.50/-
furnishing CIBIL report
on request by
cardholder.
28 GST As applicable from time to time As applicable from time to time As applicable from time to time As applicable from time to time

Theabove charges are subject to change from time to time at sole discretion of the bank.
*waiveras a promotional offer for first year
**subject to waiver if the annual spends on the card is Rs 1, 00,000/- during previous financial year.
^subject to waiver if the annual spends on the card is Rs 3.00 Lakh during previous financial year
$ Annual charge shall be waived in case a Credit Card account satisfied following conditions:
a) If the usage of card, in preceding year, is more than the credit limit of the card.
b) There is at least one retail transaction [i.e. other than fuel orcash withdrawal] in every calendar quarter.
c) Account has never been irregular in past.
@ Annualcharge shall be waived in case the cardis used at least once in each quarter in the preceding year.

"Avail Our Secure Internet Banking Facility For 24*7 Access To Your PNB Account" For Details :
Telephone Numbers : 0120 – 4616200 / 1800 180 2345 | Fax Number : 011 – 23353876 | Grievance Redressal Officer : Mr. Davinder Kumar - Mobile Number : 6284235451
Mailing Address : Punjab National Bank Credit Card Processing Center, 3rd Floor, Rajendra Bhawan, Rajendra Place, New Delhi – 110008
Website : www.pnbcard.in | Email Address : creditcardpnb@pnb.co.in
 CREDIT CARD (DUPLICATE)
JAGDISH MAHATO
KUARDI COLLIERY 5 NO PO-KALIPAHARI BURDWAN,
,CHELOD,713339
19 Mobile No: 9735120168
Invoice No : 2024CC5834729
Card No : 652859XXXXXX4468 "For efficient & prompt
customer service,
Invoice Date : 20-DEC-2024 Scan and download
Payment Due Date : PAY IMMEDIATE PNB GENIE”
Total Amount Due : 54899.76
Total Amount Due for Month : 54899.76
Minimum Amount Due : 11272.19

* TAD for the month consists of current month purchases, charges, cash advances and amount of BT/EMI due
for the month if any.
• Making only the minimum payment if any month would result in the repayment stretching over subsequent
months with consequent interest payment on your outstanding balance. Always get MOREwith
• Please examine your statement immediately upon receipt. If no error is reported within 60 days from the date
of statement, the account will be considered correct. PNB Credit Cards
• Place of supply : Punjab National Bank, 3rd Floor, Rajendra Bhawan, Rajendra Place, New Delhi - 110008,
State Code : 07
• Gstin No.: 07AAACP0165G3ZP
• Registered Address : Punjab National Bank, Plot No. 7, East Block Road, Bhikaji Cama Place, New Delhi.
New Delhi - 110066, State Code: 07
Account Summary

Previous Balance Purchases and other charges Cash Advances Payments and Other Credits Total Amount Due

51081.4 3818.36 0 0 54899.76

Transaction Date Post Date Trnx Details From 21-NOV-2024 to 20-DEC-2024 Amount in Rs.

20-DEC-2024 20-DEC-2024 Financial Charges (SAC 9971) 1489.43 Dr

Scan below QR Scan below QR
Code to Apply Code to Apply

20-DEC-2024 20-DEC-2024 Financial Charges (SAC 9971) 496.48 Dr Rupay Millennial Card Rupay Platinum Card

20-DEC-2024 20-DEC-2024 Overdrawn Limit Ch (SAC 9971) 500.00 Dr

20-DEC-2024 20-DEC-2024 Late Payment Charg (SAC 9971) 750.00 Dr
20-DEC-2024 20-DEC-2024 Igst @18% 135.00 Dr
Presenting Rupay Platinum and RuPay Millennial Credit Cards
20-DEC-2024 20-DEC-2024 Igst @18% 90.00 Dr
l Minimal Joining and Annual Fee
l NIL Renewal Fee

20-DEC-2024 20-DEC-2024 Igst @18% 89.36 Dr l

l
300+ Reward Points on Activation
2 Add-On Cards Facility
l Complimentary Domestic and International Lounge Access
l 300+ Merchant Offers
20-DEC-2024 20-DEC-2024 Igst @18% 268.09 Dr
PNB RuPay Platinum: PNB RuPay Millennial:
l Comprehensive Insurance Coverage l Comprehensive Insurance Coverage
Total Purchase : 51081.4 upto INR 2 lakhs
l 1 Reward Point on every INR 100 spent
upto INR 10 lakhs
l 2 Reward Points on every INR 150 spent
l Complimentary Health Check-up, Golf &
Spa Sessions and Gym Membership
Total Charges : 3235.91 T&C Apply

Total Tax : 582.45 18001802345 or 01204616200 l www.pnbcard.in

*********** End of Statement ***********

Always get MORE
with PNB Credit Cards

Total Invoice Value 54899.76

Reward points details Opening Balance Points Earned Points Redeemed Points Revised Points Expired Available Points

672 0 0 0 0 672

Credit Summary Total Credit Limit Total Cash Limit Available Credit Limit Available Cash Limit
(including cash) (as a part of Credit Limit) (including cash)

50000 10000 0 0

Why pay in Rupees Presenting Scan below QR Scan below QR

Code to Apply Code to Apply
Rupay Millennial Card Rupay Platinum Card

RuPay Select
when you can RuPay? Credit Card

Presenting Rupay Platinum and RuPay Millennial Credit Cards

l Minimal Joining and Annual Fee

l NIL Renewal Fee
l 300+ Reward Points on Activation
l 2 Add-On Cards Facility
l Complimentary Domestic and International Lounge Access
l 300+ Merchant Offers

PNB RuPay Platinum: PNB RuPay Millennial:

l Comprehensive Insurance Coverage l Comprehensive Insurance Coverage
upto INR 2 lakhs upto INR 10 lakhs
l 1 Reward Point on every INR 100 spent l 2 Reward Points on every INR 150 spent
l Complimentary Health Check-up, Golf &
Spa Sessions and Gym Membership
1-800-180-2222 or T&C Apply
1-800-103-2222 Toll Free

?????Xkzkgd---ges”kk vkxsA www.pnbindia.in 18001802345 or 01204616200 l www.pnbcard.in

CAUTION :
Never reveal your credit card number, PIN, CVV or any other security information on your card to anyone, including anyone calling from PNB Bank never asks for this information. So beware of fraudsters.

Please make all Cheque / Draft duly crossed payable to "PNB Credit Card No 652859XXXXXX4468 " and write your Name and Contact Number on the reverse of the instrument.

Note : This is system generated mail. Please do not reply to this mail.
 You can avail following services in your credit card by sending SMS from your Registered Mobile Number
: (RMN)

1. To activate a Card, SMS ACTIV<SPACE>LAST 6 DIGIT OF CARD NUMBER<SPACE>DOB IN DDMMYYYY> TO 7092200200

2. To deactivate a Card, SMS DEACTIV<SPACE>LAST 6 DIGIT OF CARD NUMBER<SPACE>DOB IN DDMMYYYY> TO 7092200200
3. To Generate a Pin, SMS CARDPIN<SPACE>LAST 6 DIGIT OF CARD NUMBER<SPACE>DOB IN DDMMYYYY> TO 7092200200
4. To Get mini statement, SMS CCBAL<SPACE>LAST 6 DIGIT OF CARD NUMBER<SPACE> MMYYYY month and year of which statement required> TO 7092200200
5. To Block a Card, SMS HOT<SPACE>LAST 4 DIGIT OF CARD NUMBER TO 7092200200

Different modes of payment of credit card dues

Depositing Cash : Approach any branch ofPNB as per your convenience to deposit cash towards payment of Credit Card dues.

Transfer of Funds : Credit Card Holders can opt to get theamount transferred from their deposit account maintained with PNB towards payment of Credit Card dues.

Clearing instruments like Cheques / Drafts / Pay Order : PNB Bank Branches accept and lodge the other bank’s Cheques received towards payment of PNB Credit Card dues. The name of the
card holder and contact number should be mentioned on the back of the cheque and the cheque should be drawn in favor of “PNB Credit Card No - (16 Digit Credit Card Number).

Instruments dropped at the Drop Boxes in Selected Branches : To facilitate payment of monthly billing dues by the card holders "Cheque Drop Boxes" have been installed at the branches of
PNB at the identified centers.

Auto Debit : Primary cardholder who is maintaining account with PNB may request for recovery of Credit Card dues either for "Minimum Amount Due" or "Total Amount Due", through Auto Debit,
either at the time of application of Credit Card or at a later stage. The format for Auto Debit request isavailable at the Bank's Credit Card website accessible through www.pnbcard.in or through
Credit Card link at www.pnbindia.in

Internet Banking : The Card Holder who is a customer of our Bank and having Internet Banking User ID & Password may access to his Credit Card Account through Internet Banking and can
make payment of Credit Card Dues.

VISA money transfer facility : In case where a PNB"s Credit Card holder is maintaining an account with the Bank that provides the facility of online transfer through VISA Money Transfer, such
Credit Card holders can make use of VISA Money Transfer facility to make payment of monthly Credit Card dues. Cardholder has to log on to their Bank's net banking website and go to VISA
Money transfer link for making such Transfer.The cardholder will fill the necessary details about recipient and payee such as VISA Card Number, Name, Address and Amount to be transferred for
transfer of funds. Money transfer transaction through VISA money takes 2 working days to reach the beneficiary bank account and beneficiary bank will then transfer the funds to Credit Card
account.

National Electronic Fund Transfer (NEFT) : A card Holder can also make the payment through the account of other banks towards PNB Credit Card dues, through National Electronic Fund
Transfer (NEFT). NEFT Facilityis available to the customers of other banks for sending remittance to PNB Credit Cards at branches of other Banks.

The Credit Cardholder must fill up the following fields, as given here under, at the time of making the payment of Credit Card dues :
1. IFSC code of beneficiary branch : It is always PUNB0112000
2. Name of Destination Branch : ECE House, New Delhi
3. Type of Destination Account : Current Account
4. Beneficiary a/c. No.: It is 16 digits Credit Card Number.

Through PNB ATMs : PNB account holder can pay PNB Credit
Card dues by using their PNB ATM/debit card at PN"Bs ATMs.

Making Online Payment through "Bill Desk" : PNB Credit Card holder maintaining accounts with Banks other than PNB,can make online payment towards PNB Credit Card Dues through Bill
Desk by using Internet banking channel of other selected Banks.

Schedule of Fees & Charges for Credit Card

Sr.
Particulars VISA Classic / Gold VISA Platinum RuPay Platinum / Select / Millennial VISA Signature
No.
1 Classic : NIL Rs. Nil Platinum: Nil Rs 1500/-
Gold : Rs. Nil Select: Rs.500/-
Joining fee – Primary
Millennial : Rs 399/-

Nil for Credit Card issued against bank's lien on Fixed Deposit

Classic: Nil Rs.500/- (for each add-on card) Platinum/Select:Nil Rs 500/-

Joining fee - Add-on
Gold: Nil Millennial : Rs 399/-
cards
Nil for Credit Card issued against bank's lien on Fixed Deposit

Joining fee –
i) Corporate Card with
corporate liability Minimum Rs.2,000/- Minimum Rs.2,000/- -------------- --------------
ii) Corporate Card with Minimum Rs.1,000/- Minimum Rs.1,000/- -------------- --------------
individual liability

2 Renewal fees NIL NIL NIL NIL

3 Classic: NIL Rs.500/- Platinum: Rs.500/-

Annual fees Gold: Rs.300/- Select: Rs.750/- Rs 2000/-
Millennial : Rs 999/-

4 Annual fees-add on card NIL NIL NIL NIL

4a Annual fee –
i) Corporate Card with
Minimum Rs.2,000/- Minimum Rs.2,000/-
corporate liability -------------- --------------
Minimum Rs.1,000/- Minimum Rs.1,000/-
ii) Corporate Card with -------------- --------------
individual liability

5a Finance charges/ interest

2.95% per month 2.95% per month 2.95% per month 2.95% per month
rate p.m on revolving
credit/ cash withdrawn/
amount overdue – FOR 1.5% per month for cards against Fixed Deposit
PUBLIC

5b Finance charges/ interest

1.50% per month 1.50% per month 1.50% per month 1.50% per month
rate p.m on revolving
credit / cash withdrawn/
amount overdue – FOR 1.50% per month 1.50% per month 1.50% per month 1.50% per month
STAFF / EX-STAFF
6 Annualized percentage
35.89% p.a 35.89% p.a 35.89% p.a 35.89% p.a
rate(APR) on revolving
credit 19.56% p.a. for Credit Cards issued against bank's lien onFixed Deposit

7 Cash advance transaction charges#:

A-Domestic

I) PNB's ATMs 2% of cash withdrawn or Rs.100/- 2% of cash withdrawn or Rs.100/- Platinum: 2% of cash withdrawn or Rs.100/- Signature : 2% of cash withdrawn
whichever is higher whichever is higher whichever is higher or Rs.100/-whichever is higher
Select /Millennial: 2% of cash withdrawn or
Rs.150/-whichever is higher

II)Other ATMs 2% of cash withdrawn or Rs.150/- 2% of cash withdrawn or Rs.150/- Platinum:2% of cash withdrawn or Rs.150/- Signature : 2% of cash withdrawn
whichever is higher whichever is higher whichever is higher or Rs.150/- whichever is higher
Select/ Millennial:2% of cash withdrawn or
Rs.200/- whichever is higher

B-Overseas 2% of cash withdrawn or Rs.300/- 2% of cash withdrawn or Rs.300/- Platinum:2% of cash withdrawn or Rs.250/- Signature : 2% of cash withdrawn
whichever is higher whichever is higher whichever is higher or Rs.300/- whichever is higher
Select/ Millennial :2% of cash withdrawn or
Rs.300/-whichever is higher.

8 Late payment fee On outstanding Total Amount Due as under:

Rs.1000/- or Less – Nil
Rs.1001/- to Rs.5000/- – Rs.500/-
Rs.5001 to Rs.10000/- – Rs.600/-
Above Rs.10000/- – Rs.750

For Credit Card against FD: 30% of minimum amount due subject to Min.Rs.200 & Max. Rs.500 per billing cycle.

9 Charges for over the

2.5% OR Minimum Rs.250/- 2.5% OR Minimum Rs.500/- 2.5% OR Minimum Rs.500/- 2.5% OR Minimum Rs.500/-
credit limit usage

Minimum Rs.250/- for Credit Cards issued against Fixed Deposit

10 Return of cheques/ Rs100/- per instrument Rs.250/- per instrument Rs.200/- per instrument Rs.250/- per instrument
dishonour of ECS / Auto
debit (SI) Rs.100/- per instrument for cardsagainst fixed deposit

11 Duplicate statement Rs.50/- Rs.50/- Rs.50/- (no charges for e-statement) Rs.50/-
(beyond three months) Free for card against Fixed Free for card against Fixed
Deposit Deposit

12 Card replacement fee Rs.100/- per card Rs.250/- per card Rs.200/- per card Rs.250/- per card
(for reasonsother than Rs.100/- per card for card against Rs.100/- per card for card against
technical defects) Fixed Deposit Fixed Deposit

13 Pin replacement fee Rs.50/- per card Rs.100/- per card Rs.100/- per card Rs.100/- per card
(no charges for electronic pin/E (no charges for electronic pin /E pin) (no charges for electronic pin/E
pin) pin)

Rs.50/- per card for cards against Fixed Deposit

14 Retrieval of charge slip Rs.100/- Rs.100/- Rs.100 Rs.100/-

15 Limit enhancement
Nil Nil Nil Nil
charges

16 Balance transfer 1% of transfer amount or 1% of transfer amount or 1% of transfer amount or Rs.199/-, whichever 1% of transfer amount or
processing fees Rs.199/-, whichever is higher. Rs.199/-, whichever is higher is higher. Rs.199/-, whichever is higher.

17 Balance transfer interest 0.99% p.m. for BT facility under 0.99% p.m. for BT facility under 0.99% p.m. for BT facility under EMI scheme 0.99% p.m. for BT facility under
charges EMI scheme for period of six EMI scheme for period of six for period of six months EMI scheme for period of six
months months months

18 Foreign currency 3.50% markup over and above 3.50% markup over and above 3.50% markup over and above the currency 3.50% markup over and above the
transaction the currency conversion rate the currency conversion rate conversion rate currency conversion rate

Processing fee for payment

19 Outstation cheques Outstation & cheques are not Outstation cheques are not Outstation &cheques are not accepted. Multi- Outstation cheques are not
accepted. accepted. city cheques will be accepted towards accepted.
Multi-city cheques will be Multi-city cheques will be payment of Credit Card dues. Multi-city cheques will be
accepted towards payment of accepted towards payment of accepted towards payment of
Credit Card dues. Credit Card dues. Credit Card dues.

20 Charges on railway At counter: 2.5% on the At counter: 2.5% on the At counter: 2.5% on the transaction At counter: 2.5% on the
tickets purchase or transaction amount. transaction amount. amount. transaction amount.
cancellation) IRCTC website: Upto 1.8% of the IRCTC website: Upto 1.8% of the IRCTC website: Upto 1.8% of the transaction IRCTC website: Upto 1.8% of the
transaction amount. (Transaction transaction amount. (Transaction amount. (Transaction amount comprise of the transaction amount. (Transaction
amount comprise of the ticket amount comprise of the ticket ticket charges + service charges by Railways/ amount comprise of the ticket
charges + service charges by charges + service charges by IRCTC ) charges + service charges by
Railways/ IRCTC ) Railways/ IRCTC ) Railways/ IRCTC )

21 Custom Duty /Airport tax 2.25% of transaction amount 2.25% of transaction amount 2.25% of transaction amount (minimum 2.25% of transaction amount
/ Excess Baggage (minimum Rs.75/-). (minimum Rs.100/-) (minimum Rs.75/-). (minimum Rs.100/-) (minimum
Rs.75/- for cards against Fixed Rs.75/- for cards against Fixed
Deposit) Deposit)

22 Fuel surcharge Min. Rs.10 or 1% on transaction< Min.Rs.10 or1% on Min. Rs.12.50 or 1% on single fuel transaction Min. Rs.10 or 1% on
(exclusive of service tax Rs.400 &> Rs.3000/- . transaction <Rs.500 &> of <Rs.500 &> Rs.3000/-. transaction <Rs.500 &>
and other charges) Corporate Cards with Corporate Rs.4000/- . Platinum: maximum surcharge waiver up to Rs.4000/- .
Liability: Min.Rs.10 or 1% on Corporate Cards with Corporate Rs. 250/- within a billing cycle exclusive of Corporate Cards with Corporate
transaction. Liability: Min.Rs.10 or 1% on service tax and other charges. Liability: Min.Rs.10 or 1% on
transaction. Select/ Millennial: maximum surcharge waiver transaction.
up to Rs. 350/- within a billing cycle exclusive
of service tax and other charges.
23 Free interest period 20-50 days-this is applicable only 20-50 days-this is applicable only 20-50 days-this is applicable only on retail 20-50 days-this is applicable only
on retail purchases and if the on retail purchases and if the purchases and if theprevious month’s balance on retail purchases and if the
previous month’s balance has previous month’s balance has has been cleared in full. Interest free grace previous month’s balance has
been cleared in full. been cleared in full. period is not applicable if the cardholder has been cleared in full.
Interest free grace period is not Interest free grace period is not withdrawn cash from ATM. Interest free grace period is not
applicable if the cardholder has applicable if the cardholder has applicable if the cardholder has
withdrawn cash from ATM. withdrawn cash from ATM. withdrawn cash from ATM.
24 ‘Minimum amount due’ to 5% of total amount due or such 5% of total amount due or such 5% of total amount due or such other amount 5% of total amount due or such
be paid by due date other amount as may be other amount as may be as may be determined by PNB at its sole other amount as may be
determined by PNB at its sole determined by PNB at its sole discretion. EMI amounts are added in full to determined by PNB at its sole
discretion. EMI amounts are discretion. EMI amounts are minimum amount due discretion. EMI amounts are
added in full to minimum amount added in full to minimum amount added in full to minimum amount
due due due
25 Cash advance limit 20% of credit limit 20% of credit limit. 20% of credit limit 20% of credit limit.
26 PNB EMI plan; 2% of transaction amount 2% of transaction amount 2% of transaction amount minimum Rs. 200/- 2% of transaction amount
(i) Processing fees minimum Rs. 200/- minimum Rs. 200/- minimum Rs. 200/-
(ii) Finance charges 18% p.a.(1.5% p.m.) 18%p.a.(1.5% p.m.) 18% p.a.(1.5% p.m.) 18%p.a.(1.5% p.m.)
(iii) Prepayment charges 3% on outstanding amount 3% on outstanding amount 3% on outstanding amount . Nil for card 3% on outstanding amount
Nil for card against fixed deposit Nil for card against fixed deposit against fixed deposit Nil for card against fixed deposit
27 Recovery of charges for Rs.50/- Rs.50/- Rs.50/- Rs.50/-
furnishing CIBIL report
on request by
cardholder.
28 GST As applicable from time to time As applicable from time to time As applicable from time to time As applicable from time to time

Theabove charges are subject to change from time to time at sole discretion of the bank.
*waiveras a promotional offer for first year
**subject to waiver if the annual spends on the card is Rs 1, 00,000/- during previous financial year.
^subject to waiver if the annual spends on the card is Rs 3.00 Lakh during previous financial year
$ Annual charge shall be waived in case a Credit Card account satisfied following conditions:
a) If the usage of card, in preceding year, is more than the credit limit of the card.
b) There is at least one retail transaction [i.e. other than fuel orcash withdrawal] in every calendar quarter.
c) Account has never been irregular in past.
@ Annualcharge shall be waived in case the cardis used at least once in each quarter in the preceding year.

"Avail Our Secure Internet Banking Facility For 24*7 Access To Your PNB Account" For Details :
Telephone Numbers : 0120 – 4616200 / 1800 180 2345 | Fax Number : 011 – 23353876 | Grievance Redressal Officer : Mr. Davinder Kumar - Mobile Number : 6284235451
Mailing Address : Punjab National Bank Credit Card Processing Center, 3rd Floor, Rajendra Bhawan, Rajendra Place, New Delhi – 110008
Website : www.pnbcard.in | Email Address : creditcardpnb@pnb.co.in