Punjab National bank (PNB) has announced a change to the daily ATM cash withdrawal limits for certain debit card holders, effective April 1, 2026. The move affects select high‑limit debit cards and is meant to strengthen risk controls and enhance overall customer security.

Why PNB Is Cutting Withdrawal Limits

According to the bank’s official statement, this decision is part of its efforts to:

• Strengthen risk controls against fraud and misuse.
• Improve customer security during ATM transactions.
• Promote safer wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital banking practices.

PNB hasn’t increased charges but has simply revised the daily cash withdrawal caps for selected card types.

What Exactly Has Changed?

🏧 Old vs New ATM Withdrawal Limits

PNB has divided impacted debit cards into two groups:

Cards that had a ₹1,00,000 per day limit
— Now reduced to ₹50,000 per day.
This includes:

RuPay NCMC Platinum Domestic & international Debit Cards

RuPay women Power Platinum Debit Card

RuPay PNB Palaash Debit Card

RuPay business Platinum NCMC Debit Card

MasterCard Platinum Debit Card

VISA gold Debit Card

PNB MasterCard Platinum Rise Debit Card

Cards that had a ₹1,50,000 per day limit
— Now reduced to ₹75,000 per day.
These include:

RuPay Select Debit Card

PNB RuPay Select Neo & Select Excel

VISA Signature Debit Card

MasterCard business Debit Card

All other debit card types retain their existing ATM withdrawal limits.

What Has Not Changed

✔️ POS (Point‑of‑Sale) transaction limits — for card payments at shops/stores remain the same.
✔️ E‑commerce and contactless payment limits — these are unaffected by this update.
✔️ Card services like online payments — continue without change.

How customers Can Manage or Change Their Limit

If you want to reset your withdrawal limit (within the revised cap), PNB allows you to modify it easily:

📱 Via PNB ONE mobile app

Open the app and log in.

Go to Services → Debit Cards.

Choose the relevant card and select Update ATM Limit.

Enter new limit, confirm with OTP and submit.

🌐 Via Internet Banking

Log in and go to Value Added services → Debit Card Personalization.

Enter your card details and select ATM limit.

Update the limit and confirm with OTP.

You can also change limits via PNB’s IVR or whatsapp Banking if available.

What This Means for PNB Customers

💡 If you frequently need larger amounts of cash — for example during travel or special transactions — you should:

• Check which debit card you hold and its updated limit.
• Set your default withdrawal limit as high as allowed within the revised caps.
• Plan withdrawals in advance to avoid inconvenience.
• Use multiple cards if necessary, if you hold more than one.

Remember: This change does not affect card payments or online spending, so day‑to‑day wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital banking remains unchanged.

Tips for customers After the Limit Cut

• Use digital payments more often (UPI, QR codes) to reduce dependence on cash.
• Link your account to mobile wallets for quick transfers instead of ATM withdrawals.
• Contact PNB customer care or visit your branch if you need help changing limits.

In Summary

PNB’s move to halve ATM cash withdrawal limits on selected debit cards — from ₹1 lakh to ₹50,000 and ₹1.5 lakh to ₹75,000 — is a security‑focused change that takes effect on April 1, 2026. Other payment limits remain unaffected, and customers can adjust their ATM limits online or through mobile banking within the new caps.

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.