PNB Patanjali RuPay Platinum Credit Card
Punjab National Bank
Last updated: Feb 03, 2026
₹0
₹0
Free
No lounge access
Contents
The PNB Patanjali RuPay Platinum Credit Card is a low-cost, co-branded card aimed at regular Patanjali shoppers and value buyers. It offers an introductory reward (300 points on first use), targeted cashback at Patanjali stores, merchant offers across essential categories and basic insurance cover. The card is best suited to domestic use, everyday purchases, and customers seeking a fee-friendly co-branded option.
Features of PNB Patanjali RuPay Platinum Credit Card which makes it unique
Co-branded Offers
Special cashback and extended offers at Patanjali outlets.
Higher value for Patanjali shoppers.
Better Patanjali-specific value than generic reward cards.
Low-fee Co-branded Design
No regular annual fee when used once per quarter.
Low cost of ownership for infrequent users.
Cheaper than many bank reward cards with fixed annual fees.
Rewards Structure of PNB Patanjali RuPay Platinum Credit Card
Welcome Reward
basefirst retail transaction
Complimentary 300 reward points on first transaction (subject to T&C).
Patanjali Cashback
acceleratedPatanjali stores, transactions above ₹2,500
2% cashback on Patanjali store purchases above ₹2,500, subject to a ₹50 per-transaction cap as per product launch and PNB announcements.
Retail Rewards
acceleratedselected retail/merchant partners
Select retail merchandise earns higher points under periodic offers and partner tie-ups.
Base Reward
baseall other retail spends
Base earn rate applies to non-partner spends; check monthly statements for merchant-level exclusions.
Fees & Charges of PNB Patanjali RuPay Platinum Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Nil if the card is used at least once every quarter; standard fee otherwise.
Fee Explanation PNB Patanjali RuPay Platinum is designed as a low-fee co-branded domestic RuPay card. Joining and annual fees are typically waived if the card is used at least once per quarter. Forex/ international usage is generally not the focus for this domestic RuPay product; check bank terms before overseas use. Fees such as cash advance, late payment and returned payments follow standard PNB charge slabs. Sources: PNB product pages and press releases.
Detailed Explanation of PNB Patanjali RuPay Platinum Credit Card Fees
Joining Fee: 0 (one-time)
Nil if card used once every quarter.
Annual Fee: 0 (yearly)
Nil if card used once every quarter.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction.
Late Payment Fee: ₹750 (per instance)
Standard bank slab for overdue repayments.
Lounge Access Benefits with PNB Patanjali RuPay Platinum Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
This RuPay Platinum co-brand focuses on domestic retail benefits; lounge access is not a standard feature.
Insurance Coverage with PNB Patanjali RuPay Platinum Credit Card
Purchase Protection
₹50,000Covers new purchases against theft/damage for a limited period (check card T&C).
Accidental Insurance
Up to ₹10,00,000 (varies)Basic insurance cover bundled with select PNB co-branded cards; confirm exact coverage in policy documents.
Additional Features of PNB Patanjali RuPay Platinum Credit Card
Contactless Payments
Tap-and-pay enabled for fast checkout.
PNB Genie App
Card management and offers via PNB Genie mobile app.
Welcome Bonus with PNB Patanjali RuPay Platinum Credit Card
Welcome Bonus: 300 Reward Points
Bonus Conditions: 300 points credited on first successful retail transaction; T&C apply.
Application Process for PNB Patanjali RuPay Platinum Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via PNB card portal or partner site
Upload KYC and income documents
PNB completes verification call and KYC checks
Card dispatched within 5–7 business days after approval
Required Documents for PNB Patanjali RuPay Platinum Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
PNB Patanjali RuPay Platinum Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India at RuPay-accepting merchants; strongest value at Patanjali outlets and partner merchants.
International Acceptance
Limited — verify RuPay acceptance abroad before travel; product primarily targets domestic usage.
Online Acceptance
Yes, accepted at merchants that accept RuPay online.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for PNB Patanjali RuPay Platinum Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹20,833
Minimum annual income
Self-Employed Applicants
₹29,167
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must have a valid PAN and Aadhaar. Age, income and KYC subject to PNB verification.
How Approval Is Decided
- Minimum age 21 years and Indian resident
- Monthly income roughly ₹20,833+ (approx. ₹2.5 Lakh p.a.) for salaried applicants
- Credit profile acceptable to PNB (score 650+ recommended)
Pros of PNB Patanjali RuPay Platinum Credit Card
- Low or no fees for regular retail users
- Targeted cashback for Patanjali shoppers
- Simple reward structure and wide merchant offers
Cons of PNB Patanjali RuPay Platinum Credit Card
- Limited international/forex focus (RuPay domestic emphasis)
- Lower premium travel benefits and lounges
- Cashback caps on Patanjali purchases
Frequently Asked Questions about PNB Patanjali RuPay Platinum Credit Card
Is there a joining fee for PNB Patanjali RuPay Platinum?
No — joining fee is typically nil if you use the card at least once every quarter; otherwise standard joining fees may apply as per bank policy.
How do I earn the welcome points?
The card credits 300 reward points on your first successful retail transaction. Points are subject to verification and T&C.
What is the cashback on Patanjali stores?
You get 2% cashback on Patanjali purchases above ₹2,500, capped at ₹50 per transaction (as per launch terms).
Can I use this card internationally?
This RuPay Platinum co-branded card is primarily designed for domestic use. Check PNB for international/RuPay acceptance before overseas travel.
How do I get the annual fee waived?
Annual fee is typically waived if the card is used at least once in every quarter. Confirm waiver criteria in the card T&C.
What documents are required to apply?
PAN and Aadhaar are required, plus income proof for salaried/self-employed applicants as per bank KYC requirements.
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