| PARAMETERS | FEATURES |
|---|---|
| Customized Account Number | Available; Your Account Your Choice |
| Personal Accidental Insurance | ₹150 lakhs |
| Air Accident Insurance | ₹300 lakhs |
| Permanent Total Disability $ | ₹150 lakhs |
| Permanent Partial Disability $ | Upto ₹75 lakhs, % age of disability will be as per the GPA Schedule & In case of multiple injury, max claim upto the amount of Sum Insured |
| Higher Education Cover for College and Higher Studies $ | Upto ₹8 Lakhs (Male Child) and upto ₹10 Lakhs (Girl Child) in aggregate, 25% of entitled PAI Cover, (for any One child only) for 3 years |
| Girl Child Marriage Cover $ | 20% of entitled PA Insurance cover up to 5 lakhs for one Girl Child, max up to 10 lakhs in aggregate for 2 girl children (18-25 years) i.e., ₹5 lakhs each or ₹5 lakhs for one girl child |
| Emergency Medical Expenses $ | 25,000/- |
| Ambulance Charges $ | 50,000/- |
| Air Ambulance Charges $ | Max. Upto 10 lakhs |
| Funeral Expenses $ | 10,000/- |
| Plastic Surgery in Burn cases $ | Max. Upto 10 lakhs |
| Transportation of Imported Medicine $ | Max. 5 lakhs |
| Death in Coma (more than 48 hours) after accident $ | Max. 5 lakhs |
| Family Transportation $ | Max. 50,000/- (cost of travel incurred by immediate 2 family members) |
| Repatriation of Mortal Remains $ | Max 50,000/- |
| Additional cover for death while performing official duties on foreign soil $ | 10 lakhs |
| Term Life Insurance Cover | 12 lakhs |
| Term Life Insurance- Add on Cover (Cost to be borne by A/c holder) | Available upto ₹100 lakhs by PNB MetLife India Insurance Co.Ltd. |
| Wellness Program/ Benefits /Annual Health Check-up | • Free Annual Health Check Up on cashless basis with option of home visit and lab collection• Unlimited Tele Consultation Personal Accidental Insurance of ₹4 lakhs with permanent total disability cover of ₹125% of Sum Insured |
| Hospicash Benefit | ₹60,000/- p.a. |
| Health/ Medical Insurance Cover @ A/c holder cost | Bajaj General Insurance Limited: Upto ₹5 lakh (Ind. 2A+2C) |
| Top-Up Health/ Medical Insurance Cover @ A/c holder cost | Available by Care Health Insurance |
| Minimum Average Balance Requirement | NIL |
| Overdraft Facility | Available |
| Sweep In – Out facility (On Request) | Threshold limit – ₹35,000/- In multiple of 1,000/- but minimum FFD should be amount ₹10,000/- |
| IMPS/ RTGS/ NEFT/ SMS | IMPS/RTGS/NEFT/SMS charges waived |
| Demand Draft Issuance | Free and Unlimited |
| Issuance of Cheque Book | Free and Unlimited |
| Concession in Locker Rent Charges | 100% discount for 1st year; thereafter 75% discount each year in 1 small locker |
| Concession in Processing & Documentation charges on Home/Car/Education/Personal/other Retail loan : | Concession in Upfront Fees & Documentation charges in Vehicle Loan/Home Loan/Education Loan: 100% & Personal Loan: 50% |
| Concession in Rate of Interest on Home/ Car/ Education / Personal/ other Retail loan (In any case not below prescribed Repo Rate & Subject to change from time to time) | a) Home Loan – Concession in ROI upto 0.05% b) Vehicle Loan – Concession in ROI upto 0.10% c) Education Loan : – Based on Loan Amount & Collateral Security • Within India – For Male Student : RLLR+BSP+ (1.20% – 1.95%) For Female Student: RLLR+BSP+ (0.70% – 1.45%) • Outside India – For Male Student : RLLR+BSP+ (0.05% – 1.95%) For Female Student: RLLR+BSP+ (0.05% – 1.45%) • For student getting admission in MBBS/ MD/ MS/ PG courses – Loan amount above ₹7.5 Lakhs for pursuing MBBS/ MD/ MS/ PG (in medical after completing MBBS; where minimum 100% collateral security is available) RLLR+BSP – 0.05%d) Personal Loan – RLLR+BSP+2.25% irrespective of CIC Score (Presently, minimum CIBIL score required is TU 680 or TU equivalent) |
| Concession in AMC of Demat A/c | 100% waived |
| Family Banking Benefits | a) Zero Balance Savings Account for upto 4 Family Member (including Salaried); Family Members include primary account holder’s spouse and Maximum 2 child (up to the age of 25 years) b) Free issuance of RuPay Platinum Debit Card c) PAI – ₹5 lakh each for all Family A/c holders (except minors) within aggregate PAI d) Free Chequebook upto 20 leaves e) NEFT/RTGS — Free Online f) Demand Draft Issuance — Free g) SMS Alert Charges — Free |
| Debit Card Variant | RuPay Select – Imperial Variant |
| Debit Card – Issuance / Annual Maintenance Charges | Waived |
| No. of Free ATM TXN (in a month) | Free Unlimited ATM Withdrawals at Own & Other bank’s ATM |
| Airport Lounge Access on Debit Card – (Domestic / International) | 2 Per Quarter/1 Per Quarter |
| Debit Card Offers* | OTT Subscriptions, Personal Accidental, Insurance upto ₹10.00 Lakh, Complimentary SPA Services & Golf lessons, Medical Check-up, GYM Membership Vouchers of Apollo Pharmacy, Big Basket, Bookmyshow, Tax spanner, Decathlon, Kalyan Jewellers, Myntra, Reliance Digital, 3 Months Swiggy One Membership & Annual Gaana Membership. |
| Loylty Rewardz (On Debit Card Transactions) | Milestone I: 4000 RP on transaction of ₹5.00 Lakh during a FY, convertible to wellness/shopping vouchers Milestone II: 6000 RP on transaction of ₹7.50 Lakh during a FY, convertible to wellness/shopping vouchers |
| Credit Card Variant (Subject to Eligibility) | Lifetime Free RuPay Select Credit Card |
| Airport Lounge Access on Credit Card – (Domestic / International) | 8 Complimentary Domestic (2 per quarter) / 2 Complimentary International Per Year |
| Features & Other Benefit on Credit Card | • Lounge Access • Gym Membership • Golf & Spa session • Reward Points on Credit Card Spends • Vouchers — Ola/Uber/Swiggy |
| Specially Designed Credit Card# | Eligible employees will be offered PNB Metal Credit Card-LUXURA |
| Features & Benefit | • Unlimited Lounge (Domestic/International) • NIL Forex Markup • Hotel Luxe Membership Benefit • ₹50 Lakh Personal Accidental Insurance • Fuel Surcharges Waiver • ₹50 Lakh Air Accidental Insurance – ₹1Crore • Hospitality Benefit @ ITC Hotels/Restaurants |