KEY FACT STATEMENT

I. SCHEDULE OF FEES & CHARGES FOR CREDIT CARD

S.No Particulars RuPay Platinum/Select/Millennial VISA Classic/Gold/Platinum/ Signature

1 Joining fee –Primary Platinum: Nil Classic/Gold/Platinum: Nil
Select: Rs.500/- Signature: Rs. 1500/- ; For Staff – 750/-
Millennial: Rs 399/-* ; For Staff - Free
Nil for Credit Card issued against bank’s lien on Fixed Deposit
Joining fee -Add-on cards Platinum/ Select: Nil Classic/Gold: Nil
Millennial: Rs 399/-* Platinum: Rs.500/- (per card)
Signature: Rs.500/- (per card) ; For Staff – 1st Card :
Free, 2nd Card – Rs. 250/-
Nil for Credit Card issued against bank’s lien on Fixed Deposit
2 Renewal fees Nil Nil
3 Annual fees – Primary Card Platinum: Rs.500/- @ Classic: NIL
Select: Rs.750/- @ Gold: Rs.300/-$
Millennial: Rs 999/-** ; For Staff – Rs.499/-*** Platinum: Rs.500/-$
Signature: Rs.2000/-^ ; For Staff – Rs.1000/-**
Nil for Credit Card issued against bank’s lien on Fixed Deposit
Annual fees – Add-on Card Nil Nil
4 Joining Fee - Corporate Credit NA VISA Classic/Gold/Platinum
Card Corporate Card with corporate liability: Rs. 2000/-
Corporate Card with individual liability: Rs. 1000/-
Annual Fee – Corporate Credit NA VISA Classic/Gold/Platinum
Card Corporate Card with corporate liability: Rs. 2000/-
Corporate Card with individual liability: Rs. 1000/-
5 Finance charges/ interest rate p.m 2.95% per month
on revolving credit/ cash withdrawn/ 1.5% per month for cards against Fixed Deposit
amount overdue
6 Annualized percentage rate (APR) 35.89% per annum
on revolving credit 19.56% per annum for Credit Cards issued against bank’s lien on Fixed Deposit
7 Cash advance transaction charges#:
Domestic – PNB ATMs Platinum: 2% of cash withdrawn or Rs.100/- 2% of cash withdrawn or Rs.100/-whichever is
whichever is higher higher
Select /Millennial: 2% of cash withdrawn or
Rs.150/- whichever is higher
Domestic – Other ATMs Platinum:2% of cash withdrawn or Rs.150/- 2% of cash withdrawn or Rs.150/-whichever is
whichever is higher higher
Select/ Millennial:2% of cash withdrawn or Rs.200/-
whichever is higher
Overseas Platinum:2% of cash withdrawn or Rs.250/- 2% of cash withdrawn or Rs.300/-whichever is
whichever is higher 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Select/ Millennial:2% of cash withdrawn or Rs.300/-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 credit limit 2.5% OR Minimum Rs.500/- Classic & Gold: 2.5% OR Minimum Rs.250/-
usage Platinum & Signature: 2.5% OR Minimum Rs.500/-
Minimum Rs.250/- for Credit Cards issued against Fixed Deposit
10 Return of cheques/ dishonour of Rs.200/- per instrument Classic/Gold: Rs100/- per instrument
ECS / Auto debit (SI) Platinum/Signature: Rs.250/- per instrument
Rs.100/- per instrument for cards against fixed deposit
11 Duplicate statement (beyond three Rs.50/- (no charges for e-statement and card against FD)
months)
12 Card replacement fee (for reasons Rs.200/- per card Classic/Gold: Rs.100/- per card
other than technical defects) Platinum/Signature: Rs.250/- per card
Card against FD: Rs.100/- per card
13 Pin replacement fee Rs.100/- per card Classic/Gold: Rs.50/- per card
(No charges for electronic pin /E pin) Platinum/Signature: Rs.100/- per card
(No charges for electronic pin/E pin)
Rs.50/- per card for cards against Fixed Deposit
14 Retrieval of charge slip Rs.100/-
15 Limit enhancement charges Nil
16 Balance transfer processing fees 1% of transfer amount or Rs.199/-, whichever is higher.
17 Balance transfer interest charges 0.99% p.m. for BT facility under EMI scheme for period of six months
18 Foreign currency transaction 3.50% markup over and above the currency conversion rate
Processing fee for payment
19 Outstation cheques Outstation cheques are not accepted. Multi-city cheques will be accepted towards payment of Credit Card
dues.
20 Charges on railway tickets purchase At counter: 2.5% on the transaction amount.
or cancellation) IRCTC website: Upto 1.8% of the transaction amount. (Transaction amount comprise of the ticket charges
+ service charges by Railways/ IRCTC)
21 Custom Duty /Airport tax / Excess 2.25% of transaction amount (minimum Rs.75/-). 2.25% of transaction amount (minimum Rs.100/-)
Baggage (minimum Rs.75/- for cards against Fixed Deposit)
22 Fuel surcharge Min. Rs.12.50 or 1% on single fuel transaction of Classic/Gold: Min. Rs.10 or 1% on transaction
(Exclusive of service tax and other amount greater than Rs.500 & less than Rs.4000/-. amount greater than Rs.400 and less than Rs.3000/-
charges) Platinum: maximum surcharge waiver up to Rs. Platinum/Signature: Min. Rs.10 or 1% on transaction
250/- within a billing cycle exclusive of service tax amount greater than Rs.500 & less than Rs.4000/-
and other charges.
 Select/ Millennial: maximum surcharge waiver 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 on retail purchases and if the previous month’s balance has been cleared
in full.
Interest free grace period is not applicable if the cardholder has withdrawn cash from ATM.
24 ‘Minimum amount due’ to be paid by 5% of total amount due or such other amount as may be determined by PNB at its sole discretion. EMI
due date amounts are added in full to minimum amount due
25 Cash advance limit 20% of credit limit
26 PNB EMI plan Processing Fee: 2% of transaction amount minimum Rs. 200/-
Finance Charges: 18% p.a. (1.5% p.m.)
Prepayment charges: 3% on outstanding amount, Nil for card against fixed deposit
27 Instant EMI facility Processing Fee: 2% of transaction amount minimum Rs. 100/-
Finance Charges: 3,6,9 & 12 months @12% p.a., 18,24 months @ 14% p.a.
Prepayment charges: Nil
28 GST As applicable from time to time

The above charges are subject to change from time to time at sole discretion of the bank.
*waiver as a promotional offer for first year
**subject to waiver if the annual spends on the card is Rs. 1,00,000/- in the preceding year.
***subject to waiver if the annual spends on the card is Rs. 50,000/- in the preceding year.
^subject to waiver if the annual spends on the card is Rs. 3.00 Lakh in the preceding 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 or cash withdrawal] in every calendar quarter.
c) Account has never been irregular in past.
@ Annual charge shall be waived in case the card is used at least once in each quarter in the preceding year.
# Also applicable for cash withdrawals against credit balances.

II. DRAWAL LIMITS:

RuPay (NPCI) VISA

Credit Card Variant Range of Credit Card limit Credit Card Variant Range of Credit Card limit
RuPay Platinum Rs 10,000/- to Rs 5,00,000/- Classic Rs 10,000/- to Rs 1,00,000/-
RuPay Select / PNB Millennial Rs 50,000/- to Rs 10,00,000/- Gold Rs 50,000/- to Rs 5,00,000/-
Rakshak RuPay Platinum Rs 25,000/- to Rs 5,00,000/- Platinum Rs 50,000/- to Rs 10,00,000/-
Rakshak RuPay Select Rs 50,000/- to Rs 10,00,000/- Signature Rs 1,25,000/- to Rs 15,00,000/-
Cash withdrawal limit is 20% of card credit limit.
Available Credit Limit is the unutilized Credit left in the Credit Card Account for use.

III. BILLING AND STATEMENT:

Billing Statement: Frequency & Mode of Sending Punjab National Bank will send the credit cardholder a monthly statement showing the payments credited
and the transactions debited to the credit cardholder’s account since the last statement. The Bank will mail through postal/courier services a statement of
transactions in the credit card accounts every month on a predetermined date, to the mailing address on record with the bank or send a statement via e-
mail to the email ID of the credit cardholder. If the balance outstanding is NIL / below Rs 100 or has a credit balance, no statement will be issued.

Minimum Amount Due: The Minimum Amount Due shall be 5% of the outstanding amount or such other amount as may be determined by PNB at its sole
discretion. In case the credit cardholder has availed BT or EMI facility, the amount of dues thereon, during the statement period shall be added to Minimum
Amount Due.

Method of payment: Cash Payment, Cheque / Draft, Auto Debit, Auto Pay Process, IBS, ECS, NEFT, VISA Money Transfer Facility, Online Payment
through Bill Desk are the methods of payment

Billing Dispute Resolution: All the contents of the statement will be deemed to be correct and accepted if the credit card holder does not inform Punjab
National Bank of the Discrepancies within 60 Days of the Statement Date in writing. Upon receipt of such information, Disputed Credit Card transactions will
be marked and shall not be considered for CIC’s reporting till its resolution. Further, no charges shall be levied till its resolution. In case the dispute is not
settled in favor of credit card holder all applicable charges will be levied on the credit card from the date of transaction and the same will also be reported to
CICs after 15 days of issuance of notice to the concerned customer by the Bank in case of non-payment of outstanding dues by the Card Holder.

Complete Postal Address of Card Issuing Bank:

Punjab National Bank
Credit Card Processing Centre, C-24, C Block, Ground Floor
Sector- 58, Noida – 201301, Contact Details: 0120-4478989, 0120-4478925, Email: creditcardho@pnb.co.in

Toll Free number for customer care service:

The Cardholder can contact toll free number 18001802345, tolled number 0120-4616200 or such other telephone numbers as may be notified by PNB from
time to time.

Grievance Redressal:
In the rare event of not being satisfied with the response from any of the recent contacts with the Bank, you can contact us between specified working hours
as under:

Grievance Redressal Cell, Punjab National Bank,

Credit Card Processing Centre, C-24, C Block, Ground Floor
Sector- 58, Noida – 201301, Contact Number: 0120-4478989, E-mail: creditcardho@pnb.co.in
The Schedule of Fees & Charges and Other Terms & Conditions are subject to revision from time to time. Please visit www.pnbcard.in for further details.