PNB RuPay Platinum
81/100
·
₹500/yr
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
Punjab National Bank
PNB RuPay Platinum
RuPay
Rewards
RUPAY
Top Rated
PNB RuPay Platinum
by Punjab National Bank · Data verified 4 days ago
Lifetime free PNB card with RuPay Platinum benefits and UPI linking.
81
Score
Based on rewards, fees, benefits & eligibility
₹500
Fee
Waiver available on spending
1
Reward Pts
Base earn rate (per transaction slab)
0.00%
Cashback
On eligible transactions
1 RP Earn
base reward rate
8 per year Lounges
complimentary
₹500/yr
waiver available
81/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Annual Fee
Card membership
-₹500
Net Annual Value
You save per year!
What's Great
- Zero joining fee and annual fee waived on using card once per quarter
- RuPay on UPI enabled: scan UPI QR codes directly with credit card
- 8 complimentary domestic lounge visits per year (2 per quarter via RuPay Platinum)
- 1 complimentary international airport lounge visit per year
- 300 reward points welcome bonus on first transaction within 90 days
- 1% fuel surcharge waiver up to ₹250 per billing cycle
Things to Consider
- Modest reward rate of 1 reward point per ₹100 spent
- Requires at least 1 retail spend per quarter to get annual renewal fee waiver
- Minimum 1,000 reward points required for redemption
Perfect For
PNB account holders
First-time card users
UPI users
About This Card
PNB RuPay Platinum Credit Card is a lifetime free card from Indias second largest PSB. RuPay Platinum benefits, reward points on spends, fuel surcharge waiver, UPI linking capability.
Annual Fee
₹500
Waiver
Fee waived if card used at least once in each quarter of the preceding year
Joining Fee
FREE
No joining fee
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
2.95% - 2.95%
Foreign Transaction Fee
Markup on international txns
3.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹250/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2.5% of amount (min ₹250) + GST
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹101-₹500
₹100
₹501-₹5,000
₹500
₹5,001-₹20,000
₹750
>₹20,000
₹950
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
1
Reward Pts
₹0.50
Point Value
0.00%
Cashback
Welcome Bonus
300 Reward Points on first retail or online transaction within 90 days
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Other | 1 pts/₹100 | Reward points on all spends |
Point Value: 1 point = ₹0.50
|
Redemption Fee: ₹50 + GST per request
Domestic Lounges
8 per year
Int'l Lounges
1 per year
Travel Insurance
₹2L cover
Concierge
24/7 assistance
Fuel Savings
₹250/mo
Lost Card Cover
₹0
Add-On Card
Free
Dining
- •Earn reward points/cashback on dining transactions
Shopping
- •1X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •1% fuel surcharge waiver
- •8 domestic lounge visits per year
- •International usage enabled
Special Offers & Features
- •Cash withdrawal limit: 20% of card limit
- •Minimum 1,000 reward points required for redemption
- •Redeemable for products, services, movie tickets, hotel bookings, mobile/DTH recharge, merchandise, e-vouchers, or cashback
- •Maximum age for self-employed applicants: 65 years (salaried: 60 years)
EMI Options
- •EMI conversion on eligible purchases
- •Tenure: 3, 6, 9, 12 months
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
✓ Yes
Material
Plastic
Mobile Wallet Support
Google Pay
PhonePe
Paytm
BHIM
CRED
81
out of 100
CardSahayak Score
"Apply Now" takes you to Punjab National Bank's official website.
Eligibility
Salaried
₹20,833/mo
Self-Employed
₹31,250/mo
Age
21-60 yrs
CIBIL
680+
Employment
Salaried, Self-Employed
Card Variant
Platinum
Scores
Rewards
29/100
Fees
98/100
Benefits
54/100
Access
100/100
2 Active Offers
Deals & Offers
Exclusive offers available on PNB RuPay Platinum
BookMyShow
Get Buy 1 Get 1 Free movie tickets up to ₹250 on BookMyShow using your Punjab National Bank (PNB) Credit Card.
250
Till 31 Dec 2026
entertainment
Discount
Buy 1 Get 1 Free up to ₹250
Min Spend
₹250
Max Savings
₹250
Valid Until
31 Dec 2026
How to Avail
Step 1: Go to BookMyShow app or website.
Step 2: Select cinema and 2 or more tickets.
Step 3: Go to Unlock Offers and choose PNB Credit Card Offer.
Step 4: Enter card details to get up to ₹250 discount on second ticket.
Step 2: Select cinema and 2 or more tickets.
Step 3: Go to Unlock Offers and choose PNB Credit Card Offer.
Step 4: Enter card details to get up to ₹250 discount on second ticket.
Terms & Conditions
Valid on all PNB Credit Cards. Minimum 2 tickets required. Maximum discount of ₹250 per transaction. Valid once per month.
Swiggy
Enjoy flat 15% instant savings up to ₹120 on dining and food deliveries on Swiggy using your PNB Credit Card.
15
Till 31 Dec 2026
PNB15
dining
Discount
Flat 15% up to ₹120
Min Spend
₹499
Max Savings
₹120
Valid Until
31 Dec 2026
How to Avail
Step 1: Open Swiggy app.
Step 2: Add food items worth ₹499 or more.
Step 3: Apply promo code PNB15.
Step 4: Pay with PNB Credit Card.
Step 2: Add food items worth ₹499 or more.
Step 3: Apply promo code PNB15.
Step 4: Pay with PNB Credit Card.
Terms & Conditions
Valid on all PNB Credit Cards. Minimum order ₹499. Maximum discount ₹120. Valid once per week.
Use Code:
PNB15
Visit Offer
❓ FAQ
Frequently Asked Questions
Everything you need to know about PNB RuPay Platinum
To be eligible, you need:
- • Min age: 21 years
- • Salaried: ₹20,833/month min
- • Self-employed: ₹31,250/month min
- • CIBIL: 680+ recommended
The annual fee is ₹500.
The fee can be waived by Fee waived if card used at least once in each quarter of the preceding year.
You earn 1 reward points per eligible transaction. Each point is worth approximately ₹0.50.
Welcome bonus: 300 Reward Points on first retail or online transaction within 90 days on activation!
Redeem for flights, hotels, vouchers via Punjab National Bank rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 8 per year
- ✓ International: 1 per year
- → 2 complimentary domestic airport lounge visits per calendar quarter (8 per year) via RuPay Platinum
- → 1 complimentary international airport lounge visit per calendar year via RuPay
- • Instant: Pre-approved Punjab National Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for PNB RuPay Platinum today and unlock amazing rewards and premium experiences.
Community Reviews
What Users Say
💬
No reviews yet for PNB RuPay Platinum.
Be the first to share your experience!
✍️
Share your experience
Sign in to write a review, share your approval data, and help others choose the right card.
Sign in with Google