Yes, Punjab National Bank (PNB) allows international transactions using its ATM/Debit Cards. This enables cardholders to make purchases and withdraw cash outside of India, provided certain conditions are met.
International Acceptance of PNB Cards
PNB cards are designed for international use, offering convenience for travelers and individuals making global online purchases. The acceptance primarily relies on specific payment networks and security protocols.
How PNB International Transactions Work
PNB ATM/Debit Cards are generally accepted on networks that support international transactions. Specifically, for international use, PNB cards are accepted at various points:
- Discover/Diner enabled POS machines: For in-store purchases at merchant outlets globally.
- Discover/Diner enabled ATMs: For cash withdrawals in local currency while abroad.
- Discover/Diner enabled E-commerce websites/apps: For online shopping and payments to international merchants.
Key Requirements for International Transactions
To ensure successful international transactions with your PNB card, certain technical and security requirements must be met:
| Requirement | Description |
|---|---|
| Accepted Network | The transaction must occur on a payment terminal or platform that is part of the Discover / Diner enabled network. This ensures interoperability with international systems. |
| Terminal Type | For physical transactions at Points of Sale (POS) and Automated Teller Machines (ATMs), the machine must be Chip and PIN enabled. This is a global standard for enhanced security, requiring a physical chip on the card and the entry of a Personal Identification Number (PIN) to authorize transactions. |
| Security Protocol | All international transactions must be 3D Secure. This means that transactions without an additional authentication step, such as a One-Time Password (OTP) or PIN verification, are not permitted. This protocol adds an extra layer of security, protecting against unauthorized use, especially for online transactions. |
This strong emphasis on Chip and PIN and 3D Secure protocols helps in securing international transactions, safeguarding cardholders against fraud.
Where You Can Use Your PNB Card Internationally
With your PNB card, you can perform various types of international transactions:
- Physical Purchases: Swipe or tap your card at merchant outlets worldwide that accept Discover/Diner networks and have Chip and PIN enabled terminals.
- ATM Withdrawals: Access cash in local currency from ATMs that are part of the Discover/Diner network and are Chip and PIN enabled.
- Online Transactions: Make purchases on international e-commerce websites and apps where 3D Secure authentication (OTP/PIN) is supported and required.
Always ensure that your card is activated for international transactions, and be aware of any applicable foreign transaction fees or daily limits set by PNB.
