PNB EMT's cash advance charge goes to 2.5%, minimum ₹400
From 1 November 2026, a cash withdrawal on PNB's EaseMyTrip RuPay card costs 2.5% or ₹400, whichever is higher, up from 2% or ₹100. Small withdrawals take the biggest hit.
What changed
Fee change · Punjab National Bank
Before
Cash advance charged at 2% of the amount withdrawn or ₹100, whichever is higher (plus GST)
From 1 Nov 2026
From 1 November 2026, 2.5% of the amount withdrawn or ₹400, whichever is higher (plus GST)
The card this affects
PNB has published a revised schedule of credit-card charges that takes effect on 1 November 2026. On the EaseMyTrip RuPay Platinum, the cash advance line changes:
| Cash advance | Until 31 Oct 2026 | From 1 Nov 2026 |
|---|---|---|
| Charge | 2% or ₹100, whichever is higher | 2.5% or ₹400, whichever is higher |
| On a ₹5,000 withdrawal | ₹100 | ₹400 |
| On a ₹20,000 withdrawal | ₹400 | ₹500 |
All figures are before GST. The new ₹400 floor is the part that hurts. Any withdrawal up to ₹16,000 pays the floor, so a small ATM withdrawal now costs four times what it did. Interest on a cash advance still starts on the day you withdraw, on top of the charge.
The table is for a PNB ATM. At any other ATM, and abroad, the new floor is ₹500.
Correction, 17 October 2026. An earlier version of this post said the same notice left PNB’s other cards at their current cash-advance rates. It does not. Those figures were the notice’s “existing” column, which is all the search extracts showed us. Read in full, the notice moves every PNB Visa and RuPay card to 2.5% or ₹400 at a PNB ATM (₹500 elsewhere) on 1 November. It also raises the late-payment fee to as much as ₹1,200, charges 2% (minimum ₹400) for a bounced payment, adds ₹99 to every reward redemption and puts a 1% fee on utility payments above ₹50,000 a cycle.
None of this affects what the card is for. People hold the EMT card for 10–20% off EaseMyTrip flights and hotels, not for cash. Don’t use it at an ATM.
Source: Punjab National Bank — public notice on revised credit-card service charges, read through search extracts on 6 October 2026 and in full on 17 October 2026.
Comparisons this changes
PNB BLISS vs PNB EMT RuPay Platinum
Same points, and neither card transfers anywhere — the redemption catalogue is the ceiling for both, so this one is decided on earn and fee, nothing else: 0.3% at nothing to join, then ₹510/yr against 0.3% at ₹2,000/yr.
PNB EMT RuPay Platinum vs PNB Patanjali RuPay Platinum
Same points, and neither card transfers anywhere — the redemption catalogue is the ceiling for both, so this one is decided on earn and fee, nothing else: 0.3% at ₹2,000/yr against 0.3% at nothing to join, then ₹500/yr.
PNB EMT RuPay Platinum vs PNB RuPay Platinum
Same points, and neither card transfers anywhere — the redemption catalogue is the ceiling for both, so this one is decided on earn and fee, nothing else: 0.3% at ₹2,000/yr against 0.3% at nothing to join, then ₹500/yr.
Sources
- The story’s source: creditcard.pnb.bank.in
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