Compare PNB RuPay PMJDY Debit Card and SBI Basic RuPay ATM-cum-Debit Card using the controlling cost, balance, rate, tenure, liquidity, limits, eligibility and current first-party bank evidence for this product type.
Compare the two source-backed records without collapsing unlike conditions into a winner score.
PNB PMJDY account holders who need the scheme's explicitly documented RuPay debit-card access rather than an inferred generic card variant.
SBI BSBDA customers who need basic ATM/debit access rather than a premium international debit-card proposition.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/pnb-rupay-pmjdy-debit-card-vs-sbi-basic-rupay-atm-cum-debit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
The stored field wording is preserved. Product-type-specific evidence follows this generic comparison where deeper structured research exists.
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| Decision factor | PNB RuPay PMJDY Debit Card | SBI Basic RuPay ATM-cum-Debit Card |
|---|---|---|
| Cost / charges | PNB's reviewed non-credit service-charge schedule lists RuPay PMJDY primary issuance as nil and annual charge as nil; replacement/add-on treatment follows the current schedule. | SBI states the Basic RuPay ATM-cum-Debit Card is issued free of cost with no annual maintenance charge for the reviewed BSBDA and Small Account relationships. |
| Linked account | Requires the qualifying PMJDY/SBBDA banking relationship rather than a standalone card balance. | No standalone card balance requirement; the linked BSBDA has nil minimum balance, while the Small Account additionally has a ₹50,000 statutory maximum balance. |
| Core benefits | RuPay acceptance plus PMJDY-linked accidental-insurance treatment subject to current scheme/NPCI conditions. | Basic RuPay ATM/debit access tied to SBI's financial-inclusion/basic savings relationships. |
| Transaction limits | PNB's debit-card page lists ₹25,000 daily ATM cash withdrawal and ₹60,000 daily POS/e-commerce transaction limits for RuPay PMJDY. | Account-level BSBDA/Small Account withdrawal restrictions can be much tighter than a card's technical channel capability; the Small Account also has the statutory ₹10,000 monthly aggregate withdrawal/transfer cap. |
| Eligibility | Issued under the qualifying PNB PMJDY/SBBDA relationship and current debit-card issuance rules. | Issued with eligible SBI Basic Savings Bank Deposit Account and Basic Savings Bank Deposit Small Account relationships. |
| Account relationship | Exact PNB scheme card explicitly documented for PMJDY/SBBDA account holders. | Explicitly issued with both the full-KYC SBI BSBDA and the relaxed-KYC SBI BSBDA Small Account. |
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
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Reviewed September 9, 2026 · 3 attached first-party sources
Reviewed September 9, 2026 · 3 attached first-party sources