| S. No. | Feature | Complete Details |
|---|---|---|
| 1 | Card Name | RuPay PNB Antah Drishti Braille Debit Card |
| 2 | Card Type | Classic Contactless NCMC Debit Card |
| 3 | Eligibility | Individual Savings / Current Account customers who are visually impaired or blind persons. |
| 4 | CRM Requirement | Branches should ensure that the status of all such customers is updated as ‘BLIND’ in CRM. |
| 5 | Usage | Domestic usage only |
| 6 | ATM Cash Withdrawal Limit | ₹25,000 per day |
| 7 | POS / e-Commerce Limit | ₹60,000 per day, combined for POS and e-Commerce transactions. |
| 8 | Personal Accidental Insurance Cover | Not available for any existing or freshly issued debit cards. |
| 9 | Lounge Facility | Not Applicable |
| 10 | Primary Debit Card Issuance Charges | NIL |
| 11 | Annual Maintenance Charges (AMC) | ₹150 + applicable taxes |
| 12 | Replacement Charges | ₹150 + applicable taxes |
| 13 | Validity Period | 7 years |
| 14 | Card Expiry | The card expires on the last day of the debit card expiry month. |
| 15 | Personalisation | The card is personalised. |
| 16 | Domestic Acceptance | Can be used at all POS terminals, e-Commerce websites/apps and ATMs across India. |
| 17 | International Acceptance | Not allowed |
| 18 | Contactless Transactions | Individual transactions up to ₹5,000 are allowed without PIN at NFC-enabled POS terminals. |
| 19 | Daily Contactless Limit | ₹5,000 as the overall daily contactless transaction limit. |
| 20 | Offline NCMC Mode | Works in offline NCMC mode at enabled merchants/operators wherever the functionality is live, such as DMRC. |
Important Limits & Charges
| Particular | Limit / Charge |
|---|---|
| Card Variant | Classic Contactless NCMC Debit Card |
| Eligible Customers | Visually impaired and blind Savings/Current Account customers |
| ATM Cash Withdrawal | ₹25,000 per day |
| POS + e-Commerce Limit | ₹60,000 per day |
| Personal Accident Insurance | Not Available |
| Lounge Access | Not Applicable |
| Primary Debit Card Issuance | NIL |
| AMC | ₹150 + taxes |
| Replacement Charge | ₹150 + taxes |
| Validity | 7 years |
| International Usage | Not Allowed |
| Contactless Individual Transaction | Up to ₹5,000 without PIN |
| Contactless Daily Overall Limit | ₹5,000 |
| Offline NCMC | Available at enabled locations/operators |
Exclusive Features for Identification
| Feature | Details | Benefit for Visually Impaired / Blind Customers |
|---|---|---|
| Raised Braille Dots | “PNB” is embossed in Braille on the card. | Helps customers easily differentiate the PNB card from cards of other banks. |
| Rounded Notch | A rounded notch is provided on the side opposite the chip. | Helps the cardholder identify the correct direction of the card while inserting it into an ATM or POS terminal. |
| Glossy Spot UV Lamination | The card has a glossy spot UV lamination effect with raised texture on the bank’s logo. | Helps customers locate the bank’s logo easily through the raised texture. |
| Contactless Symbol Identification | A silk-screen rough spot UV effect is provided on the contactless symbol. | Makes it easier to locate and identify the contactless symbol. |
| Contrasting Colours | The card uses contrasting colours that are easily distinguishable. | Makes the card details easier to read and identify for visually impaired and blind customers. |
RuPay National Common Mobility Card (NCMC)
| Feature | Complete Details |
|---|---|
| Full Form | RuPay National Common Mobility Card (NCMC) |
| Payment Type | Contactless payment solution |
| Main Purpose | Designed to facilitate seamless transactions across transport, retail and parking. |
| Vision | “One Nation One Card” |
| Main Objective | Integrates multiple payment needs into a single card, promoting convenience and efficiency. |
| Contactless Payments | Users can make quick and secure transactions by tapping the card on contactless-enabled terminals. |
| Interoperability | The RuPay NCMC Debit Card can be used across different NCMC-enabled modes of transit, such as metros and buses. |
| Separate Transit Cards | Customers do not need separate cards for different participating metros and buses where NCMC is enabled. |
| Offline Transactions | The RuPay NCMC Debit Card can work offline for transit transactions. |
| Multi-Purpose Use | One card can be used for shopping and travel. |
| Security | Transactions are secured through the RuPay Network. |
| Offline NCMC for This Card | The Antah Drishti card works in offline NCMC mode at enabled merchants/operators where the functionality is live. |