| PARAMETERS | FEATURES* |
|---|---|
| Eligibility | Salaried Person having Gross Monthly Salary in Range of >₹75,000/- to ₹1,50,000/- |
| Minimum Monthly Average Balance | NIL |
| Customize Account No. | Available On Request |
| Sweep Facility | Threshold Limit for Sweep out facility: ₹ 2.00 Lakh. Sweep in/out multiple of: ₹ 25,000/-Period of FDR: 7 to 179 days. Frequency of Sweep out: upto 4 times in a month, as per account holder’s choice. |
| Personal Accidental Insurance (PAI) | ₹100 Lakh |
| Permanent Total Disability (PTD)* | ₹100 Lakh |
| Air Accidental Insurance (AAI) | ₹200 Lakh |
| Permanent Partial Disability (PPD)* | Upto ₹50 Lakh |
| Term Insurance | ₹5,00,000/- |
| 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 an additional benefit of up to 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 | Upto ₹25,000/- |
| Ambulance Charges Coverage | Upto ₹10,000/- |
| Air Ambulance Charges Coverage | Upto ₹1,00,000/- |
| Funeral Expenses | Upto ₹10,000/- |
| Hospicash | ₹ 60,000/- |
| Debit Card | Free issuance & waived AMC for RuPay Optima 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, Medical Check-up, GYM Membership, Vouchers of Apollo Pharmacy, Blinkit, Bookmyshow, Clear Tax, Decathlon, Kalyan Jewellers, Myntra, Reliance Digital, MakeMy Trip, 3 Months Swiggy One Membership & Annual Gaana Membership. |
| Other Offers* | Vouchers of Bookmyshow, Myntra, Blinkit, Decathlon, Reliance Digital , Kalyan Jewellers. 3 Months Swiggy One Membership, Annual Gaana Membership, Concierge Services. |
| Free Lounge Access per Quarter | 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 accountholder, spouse & maximum 2 child upto the age of 25 years); |
| Loyalty Rewardz (on Debit Card Transactions) | Milestone I:2000 RP on transaction of ₹5.00 Lakh during a FY, convertible to wellness/ shopping vouchers Milestone II:4000 RP on transaction of ₹7.50 Lakh during a FY, convertible to wellness/ shopping vouchers |
| Overdraft Facility | Available |
| Credit Card | Rupay Select Credit Card (No Joining Fee & Life Time Free) Limit: Equal to 1.5 Times Month Gross Salary |
| Cheque Book issuance | Free |
| SMS Alerts Charges | Waived |
| Locker Rent (Subject to availability) | 100% Discount for first year; thereafter 50% discount each year Unlimited Free Visits for Locker Operation |
| RTGS/NEFT (Online/Branch) Charges | NIL |
| Demand Draft Issuance Charges | NIL |
| Demat /Trading AMC Charges | 100% Discount |
| Retail Loans* | 100% Concession in Up front Fees & Documentation charges in Housing, Vehicle & Education Loan 50 % 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 |