Terms & Conditions

BECAUSE THESE TERMS AND CONDITIONS OF USE IMPOSE LEGAL OBLIGATIONS UPON YOU, IT IS IMPORTANT THAT YOU READ THEM CAREFULLY
Terms of Use
By using this Website (“Site”) you indicate your agreement to these terms of use ("Terms"). You further warrant and covenant that you have the power and authority to enter into this agreement. If you do not agree to these Terms, please do not use the Site and exit now.
Signing Up
Membership access to the Site and the PNB Rewardz Program is open to all individual holders of a [savings or current bank ] account with Punjab National Bank. Your membership of the Site shall run coterminous with your membership of the PNB Rewardz Program subject to your conformance with these Terms.
Changes
We may revise these Terms at any time without prior notice by updating this page and such revisions will be effective upon posting to this page. Please check this page periodically for any changes. Your continued use of the Site following the posting of any revisions to these Terms will mean you accept those changes. We reserve the right to alter, suspend or discontinue any aspect of the Site, including your access to it. Unless explicitly stated, any new features, merchandise or services will be subject to these Terms.
Proprietary Rights
Unless otherwise stated, the contents of the Site including, but not limited to, the text, sound and images contained herein, the selection, arrangement, and presentation of all materials (including information in the public domain), and the overall design of this Site are the property of the Company. They are protected by Indian and international intellectual property law.
This platform of Goods and Services will remain dynamic. There will be new goods and services being added continually to keep the redemption options refreshed for you. Card member will need to achieve a threshold of 50 Points to be eligible to redeem. Points need to redeemed within three years (36 months excluding the month of accrual) of earning them. Unredeemed Points will expire at the end of three years.
Purpose
You understand that the Company provides this Site in order for you to review the points accrued by you, and to enable you to redeem them by selecting products or services offered by our partner organizations (“Partners”).
Points
Earning. Points can be accrued by making payments using your Punjab National Bank Debit Card at points of sale for purchases and online purchases. Points earned by you will be credited to your account in 7 working days.

Redemption.You need a minimum of 50 points to start redemption. Redemption can only be made on PNB Rewardz website or by calling the PNB Rewardz Customer Care or at selected brand partner outlets.

Expiry. If not redeemed, Points accrued on your card will expire after 36 months, excluding the month of accrual.

Pricing and Other Errors. If the number of Points you redeem for a product or service is incorrect, regardless of an error in the number of Points posted on the Site or otherwise communicated to you, or if you are able to redeem a product or service that was not supposed to have been released for redemption, then the Company or our Partner will have the right to cancel that redemption and refund to you the Points that you redeemed. This will apply regardless of a human/logical/transactional error.

Final Discount. Any discounts available to you as a member of the PNB Rewardz Program cannot be used in conjunction with other discounts or special prices available to you through other promotional schemes run by the store or other organizations. However, the points accrued through such purchases will be credited to your account, if such purchases meet all eligibility criteria for Points accrual.

Your use of the Site and membership of the PNB Rewardz Program may be subject to additional terms and conditions stated on the Site on specific pages relevant to a feature, service or offer. These include terms governing the accrual, redemption and expiry of your Points that override the above three provisions.
No Warranty
THE SITE IS PROVIDED "AS IS" WITH NO WARRANTY OF ANY KIND AND YOU USE THESE SERVICES AT YOUR OWN RISK. COMPANY EXPRESSLY DISCLAIMS ANY WARRANTY, EXPRESS OR IMPLIED, REGARDING THE SITE OR ITS CONTENT, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.

Furthermore some of the features, facilities and offers on this Site are provided by organisations including Partners, that the Company has made arrangements with, but over which it has no control.The Company does not guarantee or warrant that such benefits and facilities will be available, nor will it be liable for any loss or damage arising from the provision, or non-provision, whether in whole or in part of any such benefits or facilities.
Limitation of Liability
UNDER NO CIRCUMSTANCES WILL THE COMPANY BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH USE OF THE SITE, WHETHER OR NOT COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNDER NO CIRCUMSTANCES SHALL COMPANY BE LIABLE TO YOU FOR ANY AMOUNT.
Indemnity
Whenever you use your debit card in order to obtain or utilise any of the benefits, facilities or arrangements offered or available as a result of your membership of the PNB Rewardz Program, you will be personally liable for any and all costs, charges, claims or liabilities of whatever nature arising from use of such benefits, facilities or arrangements.

You agree to hold harmless and indemnify the Company, and its employees, agents and representatives, from and against any third party claim arising from or in any way related to your use of the Site, including any liability or expense arising from all claims, losses, damages (actual and consequential), suits, judgments, litigation costs and attorneys' fees, of every kind and nature.
Other Restrictions on Conduct
You shall not assign these Terms or assign any rights or delegate any obligations hereunder, in whole or in part, whether voluntarily or by operation of law, without the Company’s prior written consent. Any such purported assignment or delegation by you without the Company’s prior written consent will be null and void and of no force or effect, unless otherwise expressly consented to by the Company at its sole and absolute discretion.
Severability and Enforceability
If any provision or portion of these Terms is held illegal, invalid, or unenforceable, in whole or in part, it shall be modified to the minimum extent necessary to correct any deficiencies or replaced with a provision which is as close as is legally permissible to the provision found invalid or unenforceable and shall not affect the legality, validity or enforceability of any other provisions or portions of these Terms.
Termination/Exclusion
We reserve the right, in our sole discretion, to revoke any and all privileges associated with accessing and/or competing on the Site, and to take any other action we deem appropriate including but not limited to terminating or suspending your use of the Site, for no reason or any reason whatsoever, including improper use of the Site or failure to comply with these Terms.
Choice of Law and Forum
These Terms are governed by the laws of the Republic of India. You hereby agree to submit to the exclusive jurisdiction of the courts at Mumbai. Use of the Site is unauthorized in any jurisdiction that does not give full effect to all provisions of these Terms.
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Please do not share your Debit Card PIN/ OTP details with anyone (including Bank officials) or on any email received as such communications are sent with a malicious intent to dupe customers. Bank never asks for such details.