Compare PNB RuPay PMJDY Debit Card and YES BANK PMJDY RuPay Chip 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.
Eligible YES BANK PMJDY/basic-banking customers who need a basic domestic RuPay debit card with no standard joining fee.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare-banking/pnb-rupay-pmjdy-debit-card-vs-yes-pmjdy-rupay-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
2 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 | YES BANK PMJDY RuPay Chip 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. | Current YES BANK debit-card directory lists joining fee NIL; the PMJDY savings proposition describes the RuPay debit card as lifetime free. |
| Linked account | Requires the qualifying PMJDY/SBBDA banking relationship rather than a standalone card balance. | No standalone card balance requirement; linked PMJDY/BSBDA account has zero minimum balance under current terms. |
| Core benefits | RuPay acceptance plus PMJDY-linked accidental-insurance treatment subject to current scheme/NPCI conditions. | RuPay debit-card access and insurance cover up to the amount stated by the current YES/RuPay programme subject to activation/claim conditions. |
| 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. | Use the current YES BANK debit-card/account schedule for transaction limits; no higher premium-card limit is assumed for this PMJDY card. |
| Eligibility | Issued under the qualifying PNB PMJDY/SBBDA relationship and current debit-card issuance rules. | Eligible YES BANK PMJDY/basic-account customers under current issuance/KYC rules. |
| Account relationship | Exact PNB scheme card explicitly documented for PMJDY/SBBDA account holders. | Explicit PMJDY debit card for the bank's zero-balance financial-inclusion account proposition. |
A useful comparison shows what can make either option unsuitable instead of averaging those conditions into a score.
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One side's source depth or freshness never fills a gap in the other record.
These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 3 attached first-party sources
Reviewed September 9, 2026 · 2 attached first-party sources