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

Punjab National Bank (PNB) will update its charges on debit cards for declined transactions due to insufficient balance at PoS machine, eComm transactions from December 6, 2023, according to the PNB website.

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.	Variant	For Primary Debit Card	For Add On Card / Card Replacement Charges (Due To Lost, Hotlist, Damage)	Annual Charges
1	Rupay NCMC Classic	Nil	150	150
2	Master Classic	Nil	150	150
3	VISA Classic	Nil	150	150
4	Rupay Classic Kisan	Nil	150	Nil
5	RuPay PMJDY	Nil	150	Nil
6	RuPay Pungrain	Nil	150	Nil
7	RuPay Mudra	Nil	150	Nil
8	RuPay NCMC Platinum	250	250	250
9	Rupay International	250	250	250
10	RuPay JCB Platinum	250	250	250
11	Master Platinum	250	250	250
12	Master International	250	250	250
13	VISA Gold	250	250	250
14	Master Business	250	250	500
15	VISA Signature	500	500	750
16	RuPay Select	500	500	750

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 outside India due to insufficient funds will be charged at Rs. 25 + applicable taxes per transaction.