| 1 | Product Name | PNB Pay – Banks’ Wearable Products based on RuPay ON-THE-GO Technology |
| 2 | Card Type / Form Factor | The product is available in three forms: PVC Keychain, Leather Keychain and Mobile Sticker. At the back-end, it functions as a Debit Card linked to an account. |
| 3 | Eligibility | Any individual having a KYC-compliant account with PNB and otherwise eligible for Debit Card issuance, including Savings and Current Account holders. |
| 4 | Usage | Domestic usage only |
| 5 | ATM Cash Withdrawal Limit | Not Applicable |
| 6 | POS / e-Commerce Limit | ₹60,000 combined per day for POS and e-Commerce transactions. POS transactions are contactless only. |
| 7 | Contactless PIN-Free Limit | Contactless POS transactions up to ₹5,000 are allowed without PIN. |
| 8 | Personal Accidental Insurance Cover | Not Applicable for any existing or freshly issued Debit Cards. |
| 9 | Lounge Facility | Not Applicable |
| 10 | Issuance Charges – Leather Keychain | ₹450 + taxes |
| 11 | Issuance Charges – PVC Keychain | ₹400 + taxes |
| 12 | Issuance Charges – Mobile Sticker | ₹400 + taxes |
| 13 | AMC – Leather Keychain | ₹150 + taxes |
| 14 | AMC – PVC Keychain | ₹150 + taxes |
| 15 | AMC – Mobile Sticker | ₹150 + taxes |
| 16 | Replacement Charges | Not Applicable |
| 17 | Validity Period | 7 years |
| 18 | Card Expiry | Expiry is encountered on the last day of the Debit Card expiry month. |
| 19 | PIN Generation / Re-generation | PIN generation and re-generation are available through the Green PIN process. |
| 20 | Green PIN Details | Green PIN facility is available through PNB’s designated Green PIN process. |
| 21 | Activation & Channel Enablement | Activation and enablement of Contactless / e-Commerce transactions are available through PNB One, IBS, Branch (DCMS Portal) and IVR. |
| 22 | Multiple Issuance | Maximum two wearables per account are allowed, covering any two of each form factor, apart from an existing physical and Virtual Debit Card. |
| 23 | Add-on Card Facility | Not allowed |
| 24 | Reporting Loss / Hotlisting | The wearable can be hotlisted through PNB One Mobile Banking App, PNB Internet Banking Services, WhatsApp Banking, SMS, PNB Call Center or by visiting the nearest PNB Branch. |
| 25 | Number Required for Hotlisting | The back-end Debit Card number should be used for hotlisting the wearable. |
| 26 | POS / e-Commerce Usage | Can be used at POS terminals and e-Commerce websites/apps across India. |
| 27 | Contactless Transactions | Individual transactions up to ₹5,000 are allowed without PIN at NFC-enabled POS terminals, with ₹5,000 as the daily overall contactless limit. |
| 28 | Offline Mode | Works in offline NCMC mode at enabled merchants/operators wherever the functionality is live, such as DMRC. |
