Punjab National Bank · statement narration
CARD REPL CHG
Also printed as: CARD REPLACEMENT · REISSUE CARD CHG · DUP CARD CHG
Decoded
A charge for replacing a lost, damaged or expired debit card.
Hinglish meinKho gaya, kharab ya expire ho gaya debit card badalne par lagne wala charge.
CARD REPL CHG on your Punjab National Bank statement — A charge for replacing a lost, damaged or expired debit card. The amount depends on the account and channel; every rate is below.
What it costs, including GST5 rules · rate table, conditions and waiver
Retail Banking Service Charges · Other
₹295
₹250.00 before tax
The bank's figure is before tax, so 18% GST is added on top.
Applies when: Punjab National Bank debit card variants Master Business; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Retail Banking Service Charges · Other
₹177
₹150.00 before tax
The bank's figure is before tax, so 18% GST is added on top.
Applies when: Punjab National Bank debit card variants RuPay NCMC Classic, Master Classic and VISA Classic; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Retail Banking Service Charges · Other
₹295
₹250.00 before tax
The bank's figure is before tax, so 18% GST is added on top.
Applies when: Punjab National Bank debit card variants RuPay NCMC Platinum, RuPay International, RuPay JCB Platinum, Master Platinum, Master International and VISA Gold; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Retail Banking Service Charges · Other
₹590
₹500.00 before tax
The bank's figure is before tax, so 18% GST is added on top.
Applies when: Punjab National Bank debit card variants VISA Signature and RuPay Select; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Retail Banking Service Charges · Other
₹177
₹150.00 before tax
The bank's figure is before tax, so 18% GST is added on top.
Applies when: Punjab National Bank debit card variants RuPay Classic Kisan, RuPay PMJDY, RuPay Pungrain and RuPay Mudra; replacement of the card or an add-on card. The page prices each card variant group apart, so this figure never reaches another variant. The page states these charges exclude taxes.
Why it happened and how to avoid it
Why it happened
A replacement debit card was issued on your account.
How to avoid it
Cards replaced because they expired are often free. Ask whether the fee applies before requesting a reissue.
Dispute this chargeRBI dispute template, ready to copy
Official source1 document
- Punjab National Bank — Non-Credit Related Service Charges
Retrieved 2026-09-06
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