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Pnb Unnati vs Pnb select savings account?

  • Thread starter Thread starter Pollex
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Pollex

Pollex

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Need a cheap Rupay Platinum Debit card Was looking at Pnb bank since it has decent reviews (the branch near me atleast).
whats the experience of existing account holder?

can anyone guide me whether to go for Unnati ( amb 1k) or Select (5k).
 
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Pollex said:
Need a cheap Rupay Platinum Debit card Was looking at Pnb bank since it has decent reviews (the branch near me atleast).
whats the experience of existing account holder?

can anyone guide me whether to go for Unnati ( amb 1k) or Select (5k).
Click to expand...
Certainly! Let’s explore your options with Punjab National Bank (PNB) and consider the experiences of existing account holders.

  1. PNB Unnati Debit Card (Annual Maintenance Charge: ₹250):
    • Features:
      • Zero annual maintenance charge for the first year: This makes it an attractive choice for cost-conscious users.
      • Rupay Platinum benefits: Enjoy enhanced security features and discounts at partner merchants.
      • Basic insurance coverage: Provides accidental death insurance coverage.
    • Considerations:
      • Eligibility: Available to all PNB customers.
      • Annual Maintenance Charge (AMC): While the first year is free, subsequent years will incur a ₹250 charge.
      • Limited insurance coverage: The insurance coverage is basic and may not be sufficient for everyone.
    • Existing Account Holder Experience:
      • Existing account holders have generally found the Unnati card convenient for day-to-day transactions due to its zero AMC in the first year. However, some users have reported issues with customer support responsiveness.
    • Recommendation:
      • If you’re looking for a budget-friendly option and don’t mind the basic insurance coverage, the Unnati card could be a good fit.
  2. PNB Select Debit Card (Annual Maintenance Charge: ₹750):
    • Features:
      • Premium benefits: Offers higher withdrawal limits, priority customer service, and access to airport lounges.
      • Enhanced security features: Includes EMV chip technology for added protection.
      • Comprehensive insurance coverage: Provides coverage for accidental death, air accident, and lost card liability.
    • Considerations:
      • Eligibility: Available to PNB customers meeting certain criteria (e.g., maintaining a higher average quarterly balance).
      • Annual Maintenance Charge (AMC): The Select card has a higher AMC of ₹750.
      • Premium features: Consider whether you’ll fully utilize the premium benefits.
    • Existing Account Holder Experience:
      • Existing account holders who value premium services and travel frequently have appreciated the Select card. However, the higher AMC may deter some users.
    • Recommendation:
      • If you prioritize premium features, travel frequently, and can justify the higher AMC, the Select card offers a comprehensive package.
Remember to verify the specific terms and conditions with the PNB branch near you before making a decision. Additionally, consider your personal preferences, usage patterns, and financial needs when choosing between the Unnati and Select cards.
 
Last edited:
Upvote 1 Downvote
paxauquabriba-4876 said:
Certainly! Let’s explore your options with Punjab National Bank (PNB) and consider the experiences of existing account holders.

  1. PNB Unnati Debit Card (Annual Maintenance Charge: ₹250):
    • Features:
      • Zero annual maintenance charge for the first year: This makes it an attractive choice for cost-conscious users.
      • Rupay Platinum benefits: Enjoy enhanced security features and discounts at partner merchants.
      • Basic insurance coverage: Provides accidental death insurance coverage.
    • Considerations:
      • Eligibility: Available to all PNB customers.
      • Annual Maintenance Charge (AMC): While the first year is free, subsequent years will incur a ₹250 charge.
      • Limited insurance coverage: The insurance coverage is basic and may not be sufficient for everyone.
    • Existing Account Holder Experience:
      • Existing account holders have generally found the Unnati card convenient for day-to-day transactions due to its zero AMC in the first year. However, some users have reported issues with customer support responsiveness.
    • Recommendation:
      • If you’re looking for a budget-friendly option and don’t mind the basic insurance coverage, the Unnati card could be a good fit.
  2. PNB Select Debit Card (Annual Maintenance Charge: ₹750):
    • Features:
      • Premium benefits: Offers higher withdrawal limits, priority customer service, and access to airport lounges.
      • Enhanced security features: Includes EMV chip technology for added protection.
      • Comprehensive insurance coverage: Provides coverage for accidental death, air accident, and lost card liability.
    • Considerations:
      • Eligibility: Available to PNB customers meeting certain criteria (e.g., maintaining a higher average quarterly balance).
      • Annual Maintenance Charge (AMC): The Select card has a higher AMC of ₹750.
      • Premium features: Consider whether you’ll fully utilize the premium benefits.
    • Existing Account Holder Experience:
      • Existing account holders who value premium services and travel frequently have appreciated the Select card. However, the higher AMC may deter some users.
    • Recommendation:
      • If you prioritize premium features, travel frequently, and can justify the higher AMC, the Select card offers a comprehensive package.
Remember to verify the specific terms and conditions with the PNB branch near you before making a decision. Additionally, consider your personal preferences, usage patterns, and financial needs when choosing between the Unnati and Select cards.
Click to expand...
PNB BSBD Account kaisa hai?
 
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yobro said:
Where written never saw?
If BSBD is that good why everyone suggest unnati
Click to expand...

PNB Saving Bank | PNB Saving Deposit | PNB Saving Bank Deposit

www.pnbindia.in www.pnbindia.in



Facility of ATM Card or ATM-cum-Debit Card shall be available without any charge.
The customers of BSBDA will be able to withdraw the amount through ATM as per existing ATM guidelines i.e. free at PNB ATM and charges at other Bank’s ATM over and above free monthly ATM transactions permitted. However, annual maintenance charge shall be recovered
 
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doraemon said:

PNB Saving Bank | PNB Saving Deposit | PNB Saving Bank Deposit

www.pnbindia.in www.pnbindia.in



Facility of ATM Card or ATM-cum-Debit Card shall be available without any charge.
The customers of BSBDA will be able to withdraw the amount through ATM as per existing ATM guidelines i.e. free at PNB ATM and charges at other Bank’s ATM over and above free monthly ATM transactions permitted. However, annual maintenance charge shall be recovered
Click to expand...
rbi ko agr ye pata lg gya... bamboo khaega
 
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anonymuos said:
What are the debit card issuance and AMC for PNB Select savings accounts (5K AQB)? Looks like they're 250+GST for both: https://www.pnbindia.in/downloadprocess.aspx?fid=qTs2rpANCFLABEyLLQff2g==
Click to expand...
Hi,
As per shared document(last few pages for DEBIT CARD CHARGES W.E.F 05-06-2023 ) for PNB debit card as below
select = 500 issu crg + 750 annual fees
platinum = 250 issu crg + 250 annual fees

With PNB unnati account(2000 AMB) are they issuing Rupay platinum Debit Card now also by default ? If not can we apply later and both issuance and annual fees are applicable i suppose ?
 
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W
SANTOSHJ1983 said:
Hi,
As per shared document(last few pages for DEBIT CARD CHARGES W.E.F 05-06-2023 ) for PNB debit card as below
select = 500 issu crg + 750 annual fees
platinum = 250 issu crg + 250 annual fees

With PNB unnati account(2000 AMB) are they issuing Rupay platinum Debit Card now also by default ? If not can we apply later and both issuance and annual fees are applicable i suppose ?
Click to expand...
When I requested RuPay in 2022 for PNB Unnati account (via app, via customer care and via branch), every time only Platinum card was issued by default. Got 3. Now all hotlisted as no longer without charges. No issuance/joining fees were ever taken from me for any of the DCs. Blocked before annual fee could be taken.
 
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