| 1 | Card Name | PNB RuPay Platinum Vaibhav |
| 2 | Card Type | RuPay Platinum International Debit Card |
| 3 | Eligibility | Senior Citizen or Pensioner or both maintaining a Monthly Average Balance (MAB) of ₹50,000 or above and having an account opened under eligible schemes. |
| 4 | Usage | Global usage, covering both Domestic and International transactions. |
| 5 | ATM Cash Withdrawal Limit | ₹50,000 per day |
| 6 | POS / e-Commerce Limit | ₹1,50,000 per day, combined for POS and e-Commerce transactions. |
| 7 | Personal Accidental Insurance Cover | Personal Accident Insurance cover of up to ₹2,00,000 for Accidental Death or Permanent Total Disability. |
| 8 | Insurance Transaction Requirement | The cardholder must perform at least one successful RuPay Card-induced financial transaction at any POS/e-Commerce platform, both intra-bank and inter-bank (on-us or off-us), within 30 days before the date of accident, including the accident date. |
| 9 | Insurance Forms & Details | Forms and detailed information are available under PNB Cards. |
| 10 | Domestic Airport Lounge Facility | RuPay Platinum Debit Cardholders get access to domestic airport lounges 2 times per calendar year per card at participating domestic airport lounges. |
| 11 | Lounge List | For the updated list of participating lounges, refer to the NPCI RuPay website. |
| 12 | Issuance Charges | ₹300 + GST |
| 13 | Annual Maintenance Charges (AMC) | ₹500 + GST per year |
| 14 | Replacement Charges | ₹300 + GST |
| 15 | Validity Period | 7 years |
| 16 | Card Expiry | The card expires on the last day of the debit card expiry month. |
| 17 | Personalised Card | The card is a personalised debit card. |
| 18 | Domestic Acceptance | Can be used at POS terminals, e-Commerce websites/apps and ATMs across India. |
| 19 | International Acceptance | Accepted at Discover/Diners-enabled POS machines, ATMs and e-Commerce websites/apps. |
| 20 | International Transaction Requirement | For international usage, the POS/ATM machine should be Chip and PIN enabled. |
| 21 | Non-3D Secure Transactions | Non-3D Secure transactions, i.e. transactions without OTP/PIN, are not permitted. |
| 22 | Contactless Transactions | Individual contactless transactions of up to ₹5,000 can be made without entering a PIN at NFC-enabled POS terminals. |
| 23 | Daily Contactless Limit | The overall daily limit for contactless transactions is ₹5,000. |
| 24 | Offline Mode | The card works in offline NCMC mode at enabled merchants/operators wherever the functionality is live, such as DMRC. |
| 25 | RuPay NCMC | The card supports RuPay National Common Mobility Card (NCMC) functionality, enabling contactless payments for transport, retail and parking. |
| 26 | NCMC Objective | RuPay NCMC is based on the “One Nation One Card” concept and aims to integrate multiple payment needs into a single card. |
| 27 | NCMC Contactless Payment | Users can make quick and secure payments by tapping the card on contactless-enabled terminals. |
| 28 | NCMC Interoperability | The RuPay NCMC Debit Card can be used across different modes of transit, including metros and buses, where NCMC is enabled. |
| 29 | NCMC Live Projects | The list of transit projects and operators where NCMC is live can be checked through the NPCI NCMC project list. |
| 30 | NCMC Offline Transactions | The RuPay NCMC Debit Card can work offline for transit transactions, even when network connectivity is unavailable. |
| 31 | NCMC Multi-Purpose Use | The same card can be used for shopping and travel, reducing the need to carry separate cards for different purposes. |
| 32 | NCMC Security | RuPay NCMC provides secure transactions through the RuPay network. |
