|
PARAMETERS |
FEATURES |
Gross Monthly Salary Range |
Above Rs. 1,20,000/- |
Insurance Benefits |
Personal Accident Death Insurance |
Rs. 150 lakhs |
Air Accidental Insurance |
Rs. 300 lakhs |
Permanent Total Disability |
Rs. 150 lakhs |
Permanent Partial Disability Insurance |
Upto Rs. 75 lakhs
%age of disability will be as per the GPA Schedule & In case of multiple injury, max claim upto the amount of sum insured
|
Higher Education Cover for College and Higher Studies |
Upto Rs. 8 Lakhs (Male Child) and upto Rs. 10 Lakhs (Girl Child) in aggregate, 25% of entitled PAI Cover, (for any One child only) for 3 years |
Girl Child Marriage Cover |
20% of entitled PA Insurance cover up to Rs. 5 lakhs for one Girl Child, max up to Rs. 10 lakhs in aggregate for 2 girl children (18-25 years) i.e., Rs. 5 lakhs each |
Emergency Medical Expenses |
Rs. 25,000 |
Ambulance Charges |
Rs. 50,000 |
Air Ambulance Charges |
Max. Upto Rs. 10 lakhs |
Funeral Expenses |
Rs. 10,000 |
Plastic Surgery in Burn cases |
Max. Upto Rs. 10 lakhs |
Transportation of Imported Medicine |
Max. 5 lakhs |
Death in Coma (more than 48 hours) after accident |
Max. 5 lakhs |
Family Transportation |
Max Rs. 50,000/- (cost of travel incurred by immediate 2 family members) |
Repatriation of Mortal Remains |
Max Rs. 50,000/- |
Term Life Insurance |
Rs. 5 lakhs |
Term Life Insurance- Add on Cover |
Available for upto Rs. 100 lakhs Cost to be borne by A/c holder – |
Wellness & Preventive Care |
Hospicash Benefit |
Rs. 60,000 p.a. |
Wellness Programme |
a)Free Annual Health Check Up on cashless basis with option of home visit and lab collection
b)Unlimited Tele Consultation
c)Personal Accidental Insurance of Rs. 4 lakhs with permanent total disability cover of Rs. 125% of Sum Insured |
Health/ Medical Insurance Cover |
Quote by Bajaj General Insurance Company Limited |
Top-Up Health/ Medical Insurance Cover |
Quote by Care Health Insurance Co. Ltd. |
Banking Benefits |
Minimum Balance Requirement |
Nil |
Sweep In -Out facility |
Available; Threshold limit - Rs. 35,000/- In multiple of 1,000/-; but minimum FFD should be amount Rs. 10,000/- |
Instant Overdraft Facility |
Available |
IMPS/ RTGS/ UPI/ SMS Charges (Offline & Online) |
100% Waived |
Concession in Annual Locker Rent |
100% discount for 1st year; thereafter 75% discount each year in 1 small locker |
Demand Draft Issuance |
Free and Unlimited |
Issuance of Chequebook |
Free and Unlimited |
Customized Account Number |
Available |
Concession in Demat AMC |
100% Waived |
Preferential Access to Retail Loans |
Concession in Processing & Documentation charges on Housing/ Car/ Education / Personal/ other Retail loan |
Vehicle Loan/ Housing Loan/ Education Loan: 100%; Personal Loan: 50% |
Concession in Rate of Interest on Housing/ Car/ Education / Personal/ other Retail loan (In any case not below prescribed Repo Rate and subject to change from to time) |
a)Housing Loan - Concession in ROI upto 0.05%
b)Vehicle Loan - Concession in ROI upto 0.10%
c)Personal Loan – RLLR +BSP+2.25%; presently 10.35%; irrespective of CIC Score (Presently, minimum CIBIL score required is TU 680 or TU equivalent)
d)Education Loan – Based on loan amount and collateral security
i.Within India - For Male Student: 9.30% to 10.05% & For Female Student: 8.80% to 9.55%
ii.Outside India - For Male Student: 8.05% to 10.05% & For Female Student: 8.05% to 9.55%
iii.For student getting admission in MBBS/ MD/ MS/ PG courses - Loan amount above Rs. 7.5 Lakhs for pursuing MBBS/ MD/ MS/ PG (in medical after completing MBBS) – 8.05%
|
Family Banking Benefits |
Benefits in Family Accoun |
a)Zero Balance Savings Account for upto 4 Family Member (including Salaried); Family Members include primary account holder’s spouse and Maximum 2 child (up to the age of 25 years)
b)Free issuance of RuPay Platinum Debit Card with PAI benefit
c)PAI - Rs. 5 lakh each for all Family A/c holders (except minors) within aggregate PAI
d)Free Chequebook upto 20 leaves
e)NEFT/RTGS – Free Online
f)Demand Draft Issuance – Free
g)SMS Alert Charges – Free |
Cards |
Debit Card Variant |
RuPay Select - Imperial |
Debit Card - Issuance/Annual Maintenance Charges |
100% waived |
No. of Free ATM TXN (in a month) |
Free Unlimited ATM Withdrawals at Own & Other bank’s ATM |
Offers on Debit Card |
Lounge Access, OTT Subscriptions, Personal Accidental Insurance upto 10.00 Lakh, Complimentary SPA Services & Golf lessons, Medical Check-up, GYM Membership Vouchers of Apollo Pharmacy, Blinkit/Big Basket, BookMyShow, Clear Tax, Decathlon, Kalyan Jewellers, Myntra, Reliance Digital, 3 Months Swiggy One Membership & Annual Gaana Membership. |
Loyalty Rewardz (On Debit Card Transactions) |
Milestone 1: 4000 RP on transaction of 5.00 Lakh during a FY, convertible to wellness/shopping vouchers Milestone II: 6000 RP on transaction of Rs. 7.50 Lakh during a FY, convertible to wellness/shopping vouchers |
Credit Card Variant |
RuPay Select Credit Card |
Issuance/Annual Maintenance Charges |
No Joining Fee and no Annual Maintenance Charges |
Features & Other Benefit on Credit Card |
No Joining Fee and no Annual Maintenance Charges Lounge Access
Gym Membership
Golf & Spa session
Reward Points on Credit Card Spends
Vouchers - Ola/Uber/Swiggy |
Specially Designed Credit Card |
Eligible employees whose gross monthly income is equal to or exceeds Rs. 2.5 Lakhs may be offered credit card specially designed for HNIs, affluent segment, top tier professionals, the PNB Metal Credit Card – LUXURA |
Features & Benefit |
Unlimited Lounge (Domestic/International)
NIL Forex Markup Hotel Luxe Membership Benefit
50 Lakh Personal Accidental Insurance.
Fuel Surcharges Waiver
Rs. 50 Lakh Air Accidental Insurance
Hospitality Benefit @ ITC Hotels/Restaurants |
Loyalty / Reward Points (RP) Structure |
Reward Points |
Reward Points (RP) shall be awarded to eligible Salary Account holders, subject to terms and conditions as prescribed by the Bank:
1.Account Opening: On successful opening of a Salary Savings Account – 100 Reward Points.
2.First Financial Transaction through Debit Card:
On completion of the first financial transaction (POS/e-commerce) – 400 Reward Points
3.Birthday Month Spend: On a single transaction of Rs. 2,000 or above using the Debit Card during the account holder’s birthday month – 400 Reward Points
4.Monthly Debit Card Spend: On achieving cumulative monthly spends of Rs. 30,000 through the Debit Card – 400 Reward Points
5.Additional Transactions through PNB One:
Reward Points shall also be applicable for transactions conducted through PNB One, including but not limited to opening of Fixed Deposit (FD)/Recurring Deposit (RD), UPI transactions, etc.
Note: The accrual and redemption of Reward Points shall be governed by the Bank’s prevailing Loyalty/ Reward Program, and may be subject to change from time to time |