Hi! it's a good move. But just my thoght. Is it the right thing to take an
undertaking only and only from the VI person which the bank need not to take
from the other custamer? I think when a VI person appli for such facility,
he is wel aware of the risk and other factor than other customer. Is it not
a part of discrimination?
----- Original Message -----
From: "BHAWANI SHANKAR VERMA" <bsvermad...@gmail.com>
To: "access india" <accessindia@accessindia.org.in>
Sent: Wednesday, June 02, 2010 8:41 AM
Subject: [AI] PNB CREDIT CARD FACILITY TO BLIND CUSTOMERS
hello accessindia!
i am pasting the circular for pnb credit card for blind customers, in the
interest of all blind customers. hence, this circular contains tables,
please check the correct formatting before taking printout of the circular.
thanks,
bhawani
PUNJAB NATIONAL BANK
CREDIT CARD VENTURE DIVISION
HO: 12th FLOOR, ATMA RAM HOUSE
1 TOLSTOY MARG, NEW DELHI 110 001
Tel: 011 - 23351759, 23353879 Fax: 23353876
Email: creditcar...@pnb.co.in
31st may, 2010
CCVD Circular No. 08/ 2010 ; Gist:
Issuance of Credit Cards for visually impaired customers maintaining
account for last six months with PNB,
Eligibility Criteria and procedure to be followed
To All Circle Offices / Branches / Training Centres
SCHEME FOR ISSUE OF CREDIT CARD TO VISUALLY IMPAIRED PERSONS
As per Reserve Bank of India directions advising the banks to make available
all the banking facilities to the visually challenged individuals, a scheme
for issuing credit cards has been formulated. The details of the scheme are
as follows:-
1. Eligibility Criteria
Special Feature
A Credit Card applicant who is visually impaired person must possess a
voice enabled mobile phone for the purpose of communication of transaction
happening on the credit card.
S.No
Particulars
1.
Educational qualification
Minimum 10th Class Pass
2.
Age:
For Primary Card
For add-on-Card
21-65 years
18-65 years
3.
Income Criteria :- The applicant must have regular source of income
Salaried Individuals/ Business/ self employed / Professionals
Classic Card
Minimum. Rs.80,000/- pa.
4.
Address Status:
The Applicant should either be resident / employed within the city
limit of identified centre.
5
Banking relationship
The applicant should be a Customer of PNB with a satisfactory track
record for minimum six months
2. Other Specification: Only photo card will be issued
3. Documents to be submitted:
The Printed Credit card Application forms PNB 1151 for public will be
used:-
Applicant, Individual account holder of PNB will submit his/her Application
form along with undertaking as per annexure A, at an urban branch office
where he/she maintains his/her account at the approved centre for credit
card issuance.
Duly completed application form should be accompanied with the following
documents: -
1.. Undertaking from the individual as per Annexure A.
2.. Applicants Photo to be affixed on the Application
3.. Copy of Residence Proof i.e. Voter ID card or Driving License or
Passport or Telephone Bill or Electricity Bill.
4.. Self attested Copy of PAN Card; or, Form 60 / 61 ( with Photo ID).
5.. Copy of Income Proof i.e. copy of Form 16/ Income Tax Return or
Salary Certificate.
4. Card Credit Limit: (Public) Preapproved Credit card limit as
detailed hereafter:
Minimum: Rs.10,000/-
Maximum: Rs.25,000/-
Cash limit: 20% of Card Credit limit
Pre-approved card limits for various income ranges under classic cards for
Public
Income Range
(In Rupees)
80000 to 125000
Over Rs. 125000 to 150000
Over. 150000
to 200000
Over 200000
Card credit Limit
(In Rupees)
10000
15000
20000
25000
5. Terms and Conditions:
- All other terms and conditions as applicable to Individual
/classic will be applicable.
6. Other Terms & conditions:
The following distinctive features have been added to the existing
procedural guidelines, for issue of credit card to visually impaired
persons:-
- A Credit Card applicant who is visually impaired person must
possess a voice enabled mobile phone for the purpose of communication of
transaction happening on the credit card.
- Only Photo-card will be issued. . Applicant must affix his/her
photograph on his
application form.
- Pre-approved credit cards linked to income of the individual will
be issued.
- Cash withdrawal limit for withdrawal of cash at ATM is proposed
at 20% of card Credit limit.
- An undertaking as per format 'Annexure A ' to be obtained from
the visually impaired person , whereby the individual will be responsible
for all transactions taking place through usage of Credit Card at POS
terminals/ATMs or through internet.
- PIN mailer will be sent to the Card Holder through 'Registered
post only.
7. Staff cases: In case of staff the card holder limit and
Classic/Gold will be issued as per scheme for issuing credit card to staff.
8. Procedure to be followed by Branch Office
Ø Incumbent-In-Charge of the branch will forward the application with
recommendation only after he/she is satisfied that branch officials have
performed the DIP check and applicant is fulfilling the KYC norms.
Ø Branch will then proceed to enter the application in the CBS system
as per procedure detailed in Annexure II to ITD/CBS Circular No. 88
dated11.12.2008. The Applications will be entered in CBS by invoking the
menu CCAPPL.
Ø After entering and verification of all applications through 'CCAPPL'
for the day the 'Application Forwarding Schedule' will be generated by
invoking Menu Option 'APPLSCHD'. Branch will print out the format in
triplicate.
Ø Two sets of schedule along with Application and Annexure A
(undertaking by the individual applicant along with attached documents will
be sent to PNB Credit Card Processing Center at A 37, Sector 60 NOIDA and
one copy of the schedule will be retained by the branches for their
records."
9. PROCEDURE FOR ISSUING CREDIT CARD
1.. Credit Card (when issued) will not be dispatched directly to the
Applicant. Instead the Credit card will be sent to HO; Credit card Venture
Division by the service provider.
2.. CCVD will get the card deactivated and dispatch the card to Incumbent
In-charge of the branch which has sourced the application.
3.. Branch Official will deliver the deactivated Credit card to Applicant
Card Holder against his/her acknowledgement.
4.. Card Holder will get the card activated by calling up the Call centre.
5.. Cardholder will be advised by the application sourcing branch to
immediately change the ATM PIN code at the nearest ATM machine so that the
ATM PIN is only known to cardholder.
All concerned are requested to go through the above guidelines for issuance
of credit card to visually impaired persons.
Asstt. General Manager
*Hindi version follows
Annexure A
(Letter of Undertaking from Visually Impaired persons)
Place_________________
Date_________________
The Manager
Punjab National Bank
Credit Card Processing Centre
A-37, Sector 60 NOIDA (UP)
PIN 201301
Reg: Request for Issuance of Credit Card
With reference to my application for issuance of Credit Card, I hereby
declare and confirm that:-
1. I work as.......and my visual disability creates no hurdle in
performing of my work. I can very well handle credit card if issued to me.
2. The Most Important Terms and Conditions of Credit card and features
of the credit card have been read and clearly explained to me. I have
understood the terms and conditions and features of credit card and
perceived risk factors have been explained to me.
3. I understand the risk involved in handling the credit card, which
are higher than the customer having normal eye vision.
4. I shall operate at ATM/and use credit card at Point of sale at my
own risk and responsibility.
I am in full agreement of terms and conditions and request you to issue
credit card to me and undertake that in case of any unauthorized withdrawal
or misuse of credit card issued to me in any manner, Punjab national bank
will not be held liable or responsible for the same.
I have been read out the contents the contents of application form filled up
on the basis of information given by me and all information recorded therein
have been provided by me and the same are correct.
Thanking you,
That contents of the above undertaking and MITC and features of credit
card have been read over to Mr/Ms..........
(Name of the customer) and who has signed /affixed thumb impression on
this undertaking after understanding the contents and in token of having
explained the contents as above to the customer, we append our signaturesto
this undertaking as witnesses.
Yours faithfully,
Signatures
Address________________________
_______________________
________________________
Witnessed:-
1.........Signature.....................(Address)
2.........Signature.....................(Address)
DECLARATION BY THE BANK OFFICIAL POSTED AT APPLICATION SOURCING BRANCH
OFFICE
I........... .son/daughter of .......... aged...years and
residing at.................do hereby state and declare and olemnly affirm
that
I have read out and explained all the contents of of the application for
credit card of Punjab National bank and terms and conditions applicable to
the same to mr./ms............and he/she has confirmed to me that he/she
has understood all such terms and conditions. I have been fully authorized
by Mr./Ms..........
To complete all formalities with respect to issuance of credit card in
accordance with his/her instructions.
Dated this......on this day.......
Signature of Bank Official
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