Punjab National Bank · statement narration
INTL POS CHG
Also printed as: FOREX MARKUP · INTL TXN CHG · CROSS CURRENCY CHG
Decoded
A markup charged on card transactions made in a foreign currency.
Hinglish meinVideshi currency mein card se kiye gaye transaction par lagne wala markup.
- You pay
You pay, Retail Banking Service Charges
From Punjab National Bank — Non-Credit Related Service Charges
Verified
- Retail Banking Service Charges
INTL POS CHG on your Punjab National Bank statement — A markup charged on card transactions made in a foreign currency. The bank's document states no single all-in figure; what it does publish is below.
What it costs, including GST1 rule · rate table, conditions and waiver
Retail Banking Service Charges · Other
3% of the transaction amount
The bank's figure is before tax, so 18% GST is added on top.
Applies when: Punjab National Bank debit cards used at a point of sale or for e-commerce abroad. Applies only where the international facility has been opted for on the PNB debit card. The page states the charge as a share of the transaction; the dataset has no amount type that applies a percentage to a transaction amount, so it is published in the page's own words rather than as a figure computed against the wrong basis. The page notes the acquiring bank also levies its own charge of 2% to 4% on top, varying by country; that is recorded as a condition here because the page states no single figure for it. Charges are exclusive of GST wherever applicable.
Why it happened and how to avoid it
Why it happened
You used your card at an overseas merchant or an international website.
How to avoid it
Use a zero-forex-markup card for overseas spending. The markup applies to online purchases from foreign sites too.
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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