Punjab National BankDebit card

PNB Master Grow Platinum Debit Card

PNB's scheme-specific debit card for GROW minor savings, with ₹10,000 ATM/POS-e-commerce limits and a ₹5,000 contactless limit.

First-party evidencePublished researchReviewed September 11, 2026Active

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Cost / chargesPNB current debit-card directory lists ₹250 issuance, ₹250 AMC and ₹250 replacement (excluding GST) for MasterCard Platinum GROW. The current GROW scheme leaflet separately advertises free issuance and AMC waiver when ₹5,000 yearly average balance is maintained, so scheme-vs-card-directory pricing remains an explicit first-party conflict.

Linked accountRequires PNB GROW relationship; the account itself has zero MAB, while the card AMC waiver uses a separate ₹5,000 yearly-average-balance condition.

Transaction limits₹10,000 ATM cash withdrawal per day, ₹10,000 combined POS/e-commerce per day and ₹5,000 contactless per day.

Core benefitsScheme-specific Mastercard debit access plus current GROW-linked rewards/offers subject to scheme terms.

Research processPublished by bankingreference.info

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sourcesFirst-party conflict preserved

Last checkedSeptember 11, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateRecheck approaching

Target recheck: November 10, 2026.

How to verifyMethodology · Editorial policy

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Critical decision facts

Card cost, linked account, limits and usable benefits come as one package.

The debit-card proposition depends on the account relationship and the exact ATM, POS, international or lounge conditions attached to this variant.

01 · Cost / chargesPNB current debit-card directory lists ₹250 issuance, ₹250 AMC and ₹250 replacement (excluding GST) for MasterCard Platinum GROW. The current GROW scheme leaflet separately advertises free issuance and AMC waiver when ₹5,000 yearly average balance is maintained, so scheme-vs-card-directory pricing remains an explicit first-party conflict.

02 · Linked accountRequires PNB GROW relationship; the account itself has zero MAB, while the card AMC waiver uses a separate ₹5,000 yearly-average-balance condition.

03 · Transaction limits₹10,000 ATM cash withdrawal per day, ₹10,000 combined POS/e-commerce per day and ₹5,000 contactless per day.

04 · Core benefitsScheme-specific Mastercard debit access plus current GROW-linked rewards/offers subject to scheme terms.

Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Linked accountRequires PNB GROW relationship; the account itself has zero MAB, while the card AMC waiver uses a separate ₹5,000 yearly-average-balance condition.

Core benefitsScheme-specific Mastercard debit access plus current GROW-linked rewards/offers subject to scheme terms.

Transaction limits₹10,000 ATM cash withdrawal per day, ₹10,000 combined POS/e-commerce per day and ₹5,000 contactless per day.

EligibilityIssued in the PNB GROW minor-account relationship under the scheme's guardian/self-operation rules.

Account relationshipExact named card endpoint derived from PNB's current GROW scheme leaflet rather than a generic PNB debit-card inference.

Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

Eligible PNB GROW minor customers who need a clearly documented child debit-card limit and can understand the yearly-balance condition for AMC waiver.

Verify before relying

PNB card directory and GROW scheme leaflet currently disagree on issuance/AMC treatment; confirm the scheme-specific charge before issue or renewal.
The ₹5,000 yearly-average-balance condition in the GROW leaflet is an AMC-waiver condition, not the account minimum-balance requirement.
The current card directory continues to publish ₹10,000 ATM and ₹10,000 combined POS/e-commerce daily limits for the GROW card.

Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Issued with GROWChecked September 9, 2026

PNB GROW Saving Scheme

PNB explicitly names the Master Grow Platinum Debit Card for its GROW minor savings scheme and publishes the child card limits in the scheme leaflet.

Issuance is free, but AMC waiver is a separate condition tied to ₹5,000 yearly average balance; the account MAB itself is zero.Verify relationship at bank ↗

Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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