Debit, prepaid, forex & payment services

PNB Multi-Currency World Travel Card

A prepaid foreign-currency card available in 12 currencies, usable worldwide except India, Nepal and Bhutan, with portal controls, reloads and lost-card insurance up to ₹3,50,000.

Product typePrepaid foreign-currency travel card (Multi-Currency World Travel Card / MCWTC)Annual / renewal feeNot published as an annual fee; card carries a pre-embossed expiry date and a new card is issued after expiry.Issuance / recharge fee₹100 plus applicable taxes per issuance or recharge

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✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National Bank

Worldwide except India, Nepal and Bhutan

Key facts

What the official sources publish

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Product typePrepaid foreign-currency travel card (Multi-Currency World Travel Card / MCWTC)View source

PNB describes MCWTC as a prepaid foreign currency card.

Source: PNB Multi-Currency World Travel Card product page
Page / section: Product description
Accessed: 30 Aug 2026
Confidence: high

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Issuance / recharge fee₹100 plus applicable taxes per issuance or rechargeView source

Issuance/Recharge: Rs.100 + applicable taxes.

Source: PNB Multi-Currency World Travel Card Schedule of Charges
Page / section: Issuance/Recharge
Accessed: 30 Aug 2026
Confidence: high

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Annual / renewal feeNot published as an annual fee; card carries a pre-embossed expiry date and a new card is issued after expiry.View source

The specifies expiry and reissue but no annual renewal charge.

Source: Salient features of PNB Multi Currency World Travel Card
Page / section: Currency of Issue and Validity
Accessed: 30 Aug 2026
Confidence: high

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Other feesReplacement: ₹100 plus taxes in India or USD 20 for delivery abroad; branch refund/surrender: ₹100 plus taxes; cross-currency conversion: 2% of transaction amount plus taxes over Mastercard charges; local acquirer fees may also apply.View source

Replacement, refund/surrender and cross-currency markup rows.

Source: PNB Multi-Currency World Travel Card Schedule of Charges
Page / section: Schedule of Charges
Accessed: 30 Aug 2026
Confidence: high

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NetworkMastercard / Maestro ATM and card networkView source

displaying Master/Maestro logo accept the card; Mastercard applies conversion for other currencies.

Source: PNB Multi-Currency World Travel Card
Page / section: Master/Maestro acceptance and conversion
Accessed: 30 Aug 2026
Confidence: high

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Transaction limitsOverall limit: USD 5,000 per day, USD 15,000 per month and USD 25,000 per year; frequency limit: 15 daily, 300 monthly and 900 yearly transactions. ATM cash limits are currency-specific.View source

Transaction limit table publishes USD 5000/15000/25000 and 15/300/900 frequencies.

Source: Salient features of PNB Multi Currency World Travel Card
Page / section: Transaction Limit
Accessed: 30 Aug 2026
Confidence: high

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Supported currenciesAED, AUD, CAD, CHF, EUR, GBP, HKD, JPY, SEK, SGD, NZD and USD (12 currencies)View source

PNB states the card is offered in 12 currencies.

Source: PNB Multi-Currency World Travel Card product page
Page / section: Currencies
Accessed: 30 Aug 2026
Confidence: high

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ChannelsAuthorized PNB branches; web-based customer portal for balance, mini statement, PIN, lock/hotlist and transaction limits; PNB/Mastercard ATMs and overseas POS/e-commerce.View source

Portal and overseas usage facilities are listed on the product page.

Source: PNB Multi-Currency World Travel Card product page
Page / section: Dedicated Customer Portal and Facilities
Accessed: 30 Aug 2026
Confidence: high

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EligibilityIndian national with valid PAN, travelling abroad (excluding Nepal and Bhutan) for RBI-permitted purpose. Application requires form, PAN, passport, visa, photograph for walk-in customer and declaration/Form A-2; no PNB operative account is necessary for over-the-counter purchase against cash below ₹50,000 subject to KYC.View source

says an operative PNB account is not necessary and cash purchase up to ₹50,000 is available subject to .

Source: PNB Multi-Currency World Travel Card
Page / section: Eligibility and purchase
Accessed: 30 Aug 2026
Confidence: high

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Lost-card fraud insuranceInsurance up to ₹3,50,000 for financial loss from disputed fraudulent use of a lost, stolen, cloned, duplicated, counterfeit or skimmed card; loss must be reported within 24 hours and police complaint is mandatory except claims up to ₹50,000.View source

insurance and reporting conditions.

Source: PNB Multi-Currency World Travel Card
Page / section: Lost card liability insurance
Accessed: 30 Aug 2026
Confidence: high

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ATM balance / withdrawal feesCurrency-specific, exclusive of GST: AED 1.75/7.50; AUD 0.50/2.50; CAD 0.50/2.50; CHF 0.25/1.50; EUR 0.25/1.50; GBP 0.25/1.50; HKD 3.75/15.50; JPY 52/210; SEK 4/16.50; SGD 0.50/2.50; NZD 0.50/2.50; USD 0.50/2.00 (balance enquiry / withdrawal). Local acquirer charges are extra.View source

fee table in the official schedule.

Source: PNB Multi-Currency World Travel Card Schedule of Charges
Page / section: balance enquiry and withdrawal fee
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

AvailabilityDomestic and international usage (as described in the product summary)View source

The manually reviewed product summary states: “A prepaid foreign-currency card available in 12 currencies, usable worldwide except India, Nepal and Bhutan, with portal controls, reloads and lost-card insurance up to ₹3,50,000.”.

Source: PNB Multi-Currency World Travel Card — official product page
Page / section: Published product type and usage scope
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Cross-currency markup2% of the transaction amount plus applicable taxes, over and above Mastercard charges.View source

The fee schedule publishes a 2% markup over Mastercard charges.

Source: PNB Multi-Currency World Travel Card Schedule of Charges
Page / section: Mark up on conversion (cross currency payment)
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

12 supported currencies on one card
Customer portal can set limits and lock/hotlist card
Reload at authorized branches
Lost-card fraud cover up to ₹3,50,000
Unspent balance can be surrendered subject to / conditions

Eligibility

Indian nationals with travelling for -permitted purpose; valid passport, visa and documents required.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Application form
card
Valid passport
Visa
Latest photograph for walk-in customer
Declaration/Form A-2 where applicable

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TableCurrencyChoose column

· Daily withdrawal limit3,700

This value is copied from MCWTC currency limits. Check the table notes before relying on it.

Source: Salient features of PNB Multi Currency World Travel Card · Cash Withdrawal Limits and Loading/Reloading Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 12 rows · 3 columnsMCWTC currency limitsDaily ATM cash limits and minimum loading amounts published in the salient-features PDF.View tableHide table

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MCWTC currency limits
Currency	Daily withdrawal limit	Minimum loading
	3,700	600
	1,300	200
	1,300	200
CHF	900	150
	800	100
	700	100
HKD	7,800	1,300
	105,600	17,600
SEK	8,400	1,400
SGD	1,300	200
	1,400	200
	1,000	150

Salient features of PNB Multi Currency World Travel Card · Cash Withdrawal Limits and Loading/Reloading · accessed 30 Aug 2026Open official source ↗

Table 2 · 7 rows · 2 columnsMCWTC feesProduct fees are exclusive of GST unless stated; local acquirer charges may be extra.View tableHide table

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MCWTC fees
Charge	Published amount
Issuance/recharge	₹100 + applicable taxes
Replacement in India	₹100 + applicable taxes
Replacement delivered abroad	USD 20
Refund/surrender at branch	₹100 + applicable taxes
Cross-currency conversion markup	2% of transaction amount + taxes over Mastercard charges
balance enquiry	Currency-specific; see currency fee table
withdrawal	Currency-specific; see currency fee table

PNB Multi-Currency World Travel Card Schedule of Charges · Schedule of Charges · accessed 30 Aug 2026Open official source ↗

Table 3 · 6 rows · 2 columnsMCWTC redemption and reporting termsImportant redemption, reload and insurance conditions from the official FAQ and salient-features PDF.View tableHide table

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MCWTC redemption and reporting terms
Topic	Published term
Use	Worldwide except India, Nepal and Bhutan
Cash purchase	Walk-in purchase against cash below ₹50,000 subject to
Reload	Any authorized MCWTC branch; expected travel date not beyond 60 days from loading
Surrender	Resident Indians may refund unutilized balance after 10 days from last transaction; general surrender within 180 days of return
Lost-card cover	Up to ₹3,50,000; report within 24 hours and police complaint, subject to conditions
One-card rule	An individual cannot hold more than one MCWTC at a time

PNB Multi-Currency World Travel Card · Purchase, reload, surrender and insurance · accessed 30 Aug 2026Open official source ↗

PNB Multi-Currency World Travel Card

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

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Complete rates, limits and schedules