| PARAMETERS | FEATURES* |
|---|---|
| Eligibility | Salaried Person having Gross Monthly Salary in Range of >₹25,000/- to ₹75,000/- |
| Minimum Monthly Average Balance | NIL |
| Customise Account No. | Available (On Request) |
| Personal Accidental Insurance (PAI) | ₹50 Lakh |
| Permanent Total Disability (PTD)* | ₹50 Lakh |
| Air Accidental Insurance (AAI) | ₹100 Lakh |
| Permanent Partial Disability (PPD)* | Upto ₹25 lakh |
| Term Insurance | ₹2,00,000/- |
| PAI (Death) Cover within the overall sum assured of account holder | Spouse & 2 children: ₹5 Lakh each (on specific request & submission of their details by Salary Account holder) |
| Education Cover for 2 Dependent Children upto their age of 25 Yrs, for Higher Education (for college & Higher studies)* | ₹5 Lakh25% of entitled of PA Cover upto Max 5 Lakh in aggregate for 3 Years for any 2 dependent children in case of Accidental Death. (Note: Education Cover is in addition to the overall sum assured of the account holder.) |
| Girl Child Marriage Cover payable for the marriage of up to two girl children (aged between 18–25 years) in the event of accidental death of the account holder | Maximum ₹10 lakh per girl child or Max 10% of the Personal Accidental cover (Note: Girl Child Marriage Cover is in addition to the overall sum assured of the account holder) |
| Emergency Medical Expenses Coverage | ₹25,000/- |
| Ambulance Charges Coverage | ₹10,000/- |
| Air Ambulance Charges Coverage | ₹1,00,000/- |
| Funeral Expenses | Upto ₹10,000/- |
| Hospicash | ₹ 30,000/- |
| Debit Card | Free issuance & waived AMC for RuPay Excel Select |
| Debit Card Limits | Cash Withdrawal at ATM- ₹1.5 Lakh per day Ecom/POS (Combined)- ₹5.0 Lakh per day Contactless: ₹5,000/- per day |
| Debit card Offers* | OTT Subscriptions, Personal Accidental Insurance upto ₹ 10.00 Lakh, Complimentary SPA Services, GYM Membership, Vouchers for Bookmyshow, Myntra, Kalyan Jewellers & 3 Months Swiggy One Membership 3 Months Swiggy One Membership, Concierge Services. |
| Free Lounge Access per Half Year | Domestic Airport Lounge access-One(1) time & International Airport Lounge access – One(1) time |
| Transactions at ATM | Free Unlimited (Domestic) at PNB ATMs 5 Transactions (Domestic) at Other Than PNB ATMs |
| Family Banking Benefits | Zero Balance Savings Account for upto 4 Family Member (Primary account holder, spouse & maximum 2 child upto the age of 25 years); |
| Loyalty Rewardz (on Debit Card Transactions) | Milestone I: 1000 RP on transaction of ₹3.50 Lakh during a FY, convertible to wellness/shopping vouchers Milestone II: 2000 RP on transaction of ₹5.00 Lakh during a FY, convertible to wellness/shopping vouchers |
| Overdraft Facility | Available |
| Credit Card | Rupay Platinum Credit Card (No Joining Fee & Life Time Free) Limit: Equal to 1 Month Gross Salary |
| Cheque Book issuance | Free |
| SMS Alerts charges | Waived |
| Locker Rent (Subject to availability) | 50% Discount for First Year on Small Locker Free visits for Locker Operation – 18 per annum |
| RTGS/ NEFT (Online/Branch)Charges | NIL |
| Demand Draft Issuance Charges | NIL |
| Demat AMC Charges | 100% Discount |
| Retail Loans | 100% Concession in Upfront Fees & Documentation charges in Housing, Vehicle & Education Loan 25% Concession in Upfront Fees & Documentation charges in Personal Loan Special concession in ROI upto 0.05% in Housing Loan & upto 0.10% in Vehicle Loan |