PNB Sofc

Annexure I
SCHEDULE OF FEES & CHARGES**

Particulars VISA CLASSIC / VISA PLATINUM / RAKSHAK PLATINUM/
GOLD CARD SIGNATURE CARD SELECT/ MILLENNIAL CARD
1 Joining Fee*: Classic: NIL NIL Rakshak Platinum/
Primary Gold: NIL Signature : 1500
Cardholder Millennial : `399
NIL for credit card issued against bank’s lien on Fixed Deposit
Joining Fee*: Classic: NIL `500 Platinum/select: NIL
Add-on Cards Gold: NIL (for each add-on card) Millennial : `399
Nil for credit card issued against bank’s lien on Fixed Deposit
2 Renewal Fees* NIL NIL NIL
3 Annual Fees*: Classic: NIL Gold: Platinum : `500 (A) Platinum: `500 (C)
Primary Signature: `2000 (B) Select: `750 (C)
Cardholder Millennial : `999 (D)
Nil for credit card issued against bank’s lien on Fixed Deposit
1
4 Annual Fees*: Nil Nil Nil
Add-on Cards
5 Finance Charges 2.95% per 2.95% per month 2.95% per month
/ Interest Rate month
p.m. on Revolving
Credit / Cash 1.5% per month for cards against
Withdrawn/ Fixed Deposit
Amount Overdue
6 Annualized 35.89% p.a. 35.89% p.a. 35.89% p.a.
Percentage 19.56% p.a. for Credit Cards issued against bank’s lien on Fixed
Rate (APR) on Deposit
Revolving Credit
7 Cash Advance
Charges:
A: Domestic
2
I) PNB ATMs 2% of cash 2% of cash withdrawn Platinum: 2% of cash
withdrawn or or `100, whichever is withdrawn or `100,
`100, higher Signature : 2% whichever is higher
whichever is of cash withdrawn or Select/Millennial: 2% of
higher `100 whichever is cash withdrawn or `150,
higher whichever is higher
II) Other ATMs 2% of cash 2% of cash withdrawn Platinum: 2% of cash
withdrawn or or `150, whichever is withdrawn or `150,
`150, higher Signature : 2% whichever is higher
whichever is of cash withdrawn or Select/Millennial:
higher `150 whichever is 2% of cash withdrawn or
higher `200, whichever is higher
B: Overseas 2% of cash 2% of cash Platinum: 2% of cash
withdrawn or withdrawn or `300, withdrawn or `250,
`300, whichever is whichever is higher whichever is higher
higher Select/Millennial: 2% of
cash withdrawn or `300,
whichever is higher
3
8 Late Payment Fee On outstanding Total Amount Due as under:
1. `1000 or less – NIL 2. `1001 to `5000 – `500
3. `5001 to `10000 – `600 4. Above `10000 – `750
For Credit Card against FD: 30% of the Mini mum Amount Due
subject to Minimum `200 & Maximum `500 per billing cycle
9 Charges for over 2.5% OR 2.5% OR Minimum 2.5% OR Minimum `500
the credit limit Minimum `250 `500
usage
Minimum `250 for credit cards issued against Fixed Deposit
10 Return of Cheque/ `100 per `250 per instrument `200 per instrument
Dishonour/ECS/ instrument
Auto debit (SI)*
Minimum `100 for credit cards issued against Fixed Deposit
11 Duplicate `50 (no charges `50 (no charges for `50 (no charges for
Statement (beyond for e-statement) e-statement) e-statement)
three months)
`50 Free for Card against Fixed Deposit
4
12 Card Replacement `100 per card `250 per card `200 per card
Fee (for reasons `100 per card for Card
other than technical against Fixed Deposit
defects)
13 PIN Replacement `50 per card `100 per card (no `100 per card (no charges
Fee charges for electronic for electronic PIN)
PIN)
`50 per card for cards against Fixed Deposit
14 Retrieval of Charge `100 `100 `100
Slip
15 Limit Enhancement NIL NIL NIL
Charges
16 Balance Transfer 1% of transfer 1% of transfer 1% of transfer amount or
Processing Fees amount or `199, amount or `199, `199, whichever is higher
whichever is whichever is higher
higher
5
17 Balance Transfer 0.99% p.m. for 0.99% p.m. for BT 0.99% p.m. for BT facility
Interest Charges BT facility under facility under EMI under EMI scheme for a
EMI scheme for scheme for a period period of six months
a period of six of six months
months
18 Foreign Currency 3.50% markup 3.50% markup 3.50% markup over
Transaction over and above over and above the and above the currency
the currency currency conversion conversion rate
conversion rate rate
Processing Fee or
Payment
19 Outstation Outstation cheques Outstation cheques Outstation cheques are
Cheques are not accepted. are not accepted. not accepted.
Multi-city cheques Multi-city cheques will Multi-city cheques will
will be accepted be accepted towards be accepted towards
towards payment payment of credit payment of credit card
of credit card dues. card dues. dues.
6
20 Charges on At counter: 2.5% At counter: 2.5% At counter: 2.5% of the
Railway Tickets of the transaction of the transaction transaction amount
Purchase or amount IRCTC amount IRCTC website: Upto
Cancellation website: Upto IRCTC website: 1.8% of the transaction
1.8% of the Upto 1.8% of the amount. (Transaction
transaction amount. transaction amount. amount comprises
(Transaction (Transaction amount ticket charges + service
amount comprises comprises ticket charges by Railways/
ticket charges + charges + service IRCTC)
service charges by charges by Railways/
Railways/IRCTC) IRCTC)
21 Custom Duty 2.25% of the 2.25% of the 2.25% of the transaction
/ Airport Tax / transaction transaction amount amount (minimum `100
Excess Baggage amount (minimum (minimum `100 OR OR minimum `75 for Card
`75) minimum `75 for against Fixed Deposit)
Card against Fixed
Deposit)
7
22 Fuel surcharge Min. Rs.10 or 1% Min. Rs.10 or 1% on Min. Rs.12.50 or 1% on

(exclusive of on transaction transaction > Rs.500 single fuel transaction of
service tax and > Rs.400 & & < Rs.4000/- > Rs.500 & < Rs.4000/-
other charges) < Rs.3000/-
Platinum: maximum
surcharge waiver up to
Rs. 250/- within a billing
cycle exclusive of
service tax and other
charges.
Select/Millennial:
maximum surcharge
waiver up to Rs. 350/-
within a billing cycle
exclusive of service tax
and other charges
8
23 Interest-free Period 20-50 days: this is 20-50 days: this is 20-50 days: this is
applicable only on applicable only on applicable only on retail
retail purchases retail purchases purchases and if the
and if the previous and if the previous previous month’s balance
month’s balance month’s balance has has been cleared in full.
has been cleared been cleared in full. Interest-free grace period
in full. Interest-free grace is not applicable if the
Interest-free grace period is not cardholder has withdrawn
period is not applicable if the cash from an ATM.
applicable if the cardholder has
cardholder has withdrawn cash from
withdrawn cash an ATM.
from an ATM.
9
24 Minimum Amount 5% of the total 5% of the total amount 5% of the total amount
Due, to be paid by amount due or due or such other due or such other amount
the due date such other amount as may be as may be determined by
amount as may determined by PNB at PNB at its sole discretion.
be determined by its sole discretion. EMI EMI amounts are added
PNB at its sole amounts are added in in full to minimum amount
discretion. EMI full to minimum amount due
amounts are added due
in full to minimum
amount due
25 Cash Advance Cash Withdrawal Limit
Limit i) 20% of Credit Card limit for all variants/types of Credit Cards
ii) Out of the above cash limit, single transaction limit is 50% of the
available Cash Limit
26 PNB Global EMI 2% of the 2% of the transaction 2% of the transaction
plan: transaction amount subject to amount subject to
(i) Processing fees amount subject to Minimum `200 Minimum `200
Minimum `200
10
(ii) Interest 18% p.a. (1.5% 18% p.a. (1.5% p.m.) 18% p.a. (1.5% p.m.)
Charges p.m.)
Prepayment 3% on outstanding 3% on utstanding 3% on outstanding
charges amount NIL for amount NIL for Card amount NIL for Card
Card against fixed against fixed deposit against fixed deposit
deposit
27 Recovery of `50 `50 `50
charges for
furnishing CIBIL
report on request
by cardholder
28 GST As applicable from As applicable from As applicable from time to
time to time time to time time
11
A: Annual charge shall be waived in case a credit card account has satisfied the following
conditions:
i. If the usage of card, in preceding year, is more than the credit limit of the card.
ii. There is at least one retail transaction, i.e. other than fuel or cash withdrawal in every
calendar quarter.
iii. Account has never been irregular in the past.
B) Annual fees of Signature `2000/- : waiver if the card has been used up to limit of `3,00,000/-
in the previous financial year. No annual fee for add-on cards and card against lien on term
deposit)
C) Annual fees for RuPay Platinum and Select: Shall be waived if the card is used once in a
quarter.
D) Annual fees for Millennial: waiver if the card has been used up to limit of `1,00,000/- in
the previous financial year. No annual fee for add-on cards and card against lien on term
deposit)
*For Corporate Credit Card with Corporate Liability: Minimum Joining & Annual Fee shall
be `2000 each and for Corporate Credit Card with Individual Liability, Minimum Joining &
12
Annual Fee shall be `1000 each.
**The above charges are subject to change from time to time at the sole discretion of the
bank.
***For Bank’s MCLR rate, please visit our website at www.pnbindia.inor call
PNB’s toll-free helpline at 1800 180 2222. Credit Card helpline :1800-180-2345
# Also applicable for cash withdrawals against credit balances
13

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Annexure I

SCHEDULE OF FEES & CHARGES**

22 Fuel surcharge Min. Rs.10 or 1% Min. Rs.10 or 1% on Min. Rs.12.50 or 1% on

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