I am using pnb platinum debit card since eight year .I have two bank account one is pnb and second is SBI .I have two debit and credit card.but in 6 years have have use 4 SBI debit card and 2 pnb debit card.if any simple person will hear this then he will say that what is problem. So I want to tell if you are useing the debit card and if it becomes unacceptable before expiry date then bank will changed about 300 rupees for new debit card.so I waste 900 rupees for SBI card but do not waste any rupees for pnb debit card because it was pnb platinum debit card. So I mostly use platinum card.