PNB Rakshak RuPay Platinum Credit Card
Punjab National Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5%
No lounge access
Contents
PNB Rakshak RuPay Platinum Credit Card is a specialised zero-fee credit card designed exclusively for defence, paramilitary and police personnel who maintain a PNB Rakshak salary account. It combines simple, flat reward points on everyday spends with exclusive cashback offers on utility bills, dining and essential household purchases through the RuPay partner network. Cardholders enjoy 300 welcome reward points on first usage, 20–50 days of interest-free credit, access to 300+ RuPay merchant offers and comprehensive insurance benefits tailored for armed forces and uniformed services. This RuPay Platinum credit card is ideal for users who want a no-joining-fee, no-annual-fee credit card with straightforward rewards, essential protections and strong domestic RuPay acceptance without complicated milestones or premium travel frills.
Features of PNB Rakshak RuPay Platinum Credit Card which makes it unique
Defence-Focused Benefits
Specifically curated for armed forces and uniformed personnel drawing salary or pension through PNB Rakshak accounts.
Aligns with the lifestyle, cash flows and protection needs of defence families with simple rewards on daily spends.
More relevant for defence users than generic entry-level bank credit cards.
Zero Annual Fee with Simple Usage Condition
No joining fee and no annual fee as long as the card is used at least once in every quarter.
Makes it easy to maintain the card long term without worrying about high fixed costs.
Simpler and more forgiving than many commercial cards that require high annual spends for fee waiver.
RuPay Merchant and Government Ecosystem
Strong synergy with domestic government payments, tolls, utilities and RuPay partner brands.
Helps cardholders save on daily essentials instead of only premium lifestyle spends.
Optimised for Indian domestic spending patterns compared to international travel-heavy premium cards.
Rewards Structure of PNB Rakshak RuPay Platinum Credit Card
All Retail Spends
baseDomestic POS and online retail transactions that are eligible for rewards as per PNB policy.
This is the standard reward earning rate on most eligible retail spends on the PNB Rakshak RuPay Platinum Credit Card.
Utility Bills and Essential Services
acceleratedElectricity, water, gas, broadband, mobile, DTH and other utility payments routed through partnering RuPay merchants or bill payment platforms.
The Rakshak RuPay Platinum Credit Card is positioned for household and bill payments, with exclusive cashback offers and deals on utility spends from time to time.
Dining and Eateries
acceleratedTransactions at restaurants, cafés and food outlets on eligible RuPay partner merchants.
Cardholders can enjoy extra savings on dining spends when using RuPay partner offers in addition to the base reward points.
Online and RuPay Partner Offers
baseTransactions on RuPay partner e-commerce, travel, lifestyle and shopping platforms during campaign periods.
RuPay regularly runs promotions across leading brands, giving additional value over the base earn rate for Rakshak RuPay Platinum cardholders.
Welcome Reward Points
baseFirst eligible purchase transaction made on the card after issuance.
Welcome bonus points can usually be redeemed against statement credit, merchandise or vouchers as per the PNB rewards catalogue.
Fees & Charges of PNB Rakshak RuPay Platinum Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹250 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:No annual fee if the card is used at least once in every calendar quarter; otherwise standard annual fee policy as per PNB may apply.
Fee Explanation The PNB Rakshak RuPay Platinum Credit Card charges zero joining fee and zero annual fee when used at least once every quarter. Standard PNB credit card charges apply on cash advances, foreign currency transactions, late payments, overlimit usage, and returned payments, with finance charges around 2.95% per month on revolving balances. Always check the latest MITC and schedule of charges from Punjab National Bank before applying.
Detailed Explanation of PNB Rakshak RuPay Platinum Credit Card Fees
Joining Fee: ₹0 (one-time)
No joining fee for PNB Rakshak RuPay Platinum Credit Card for eligible defence and Rakshak salary account holders.
Annual Fee: ₹0 (yearly)
No annual fee if the card is used at least once in each quarter; otherwise PNB may levy applicable maintenance charges as per current schedule.
Finance Charges: 2.95% per month (approx. 35.9% p.a.) (monthly)
Applicable on revolving balances, cash advances and overdue amounts; charged on average daily balance until full payment.
Cash Advance Fee: 2% of amount (min ₹100–₹250 depending on ATM type) (transaction)
Different minimum charges may apply for PNB ATMs, other bank ATMs and overseas ATMs as per the latest MITC.
Foreign Currency Markup: 3.5% of transaction value (transaction)
Charged over and above the RuPay / partner network currency conversion rate on international POS, ATM and e-commerce transactions.
Late Payment Fee: Up to ₹750 per statement (monthly)
Slab-based fee depending on total amount due; no late fee for very small outstanding amounts under the lowest slab.
Overlimit Fee: 2.5% of overlimit amount (min ₹500) (event)
Charged when total outstanding exceeds the sanctioned credit limit.
Returned Payment / Cheque Bounce: ₹250 per instance (event)
Applicable if an ECS, cheque, auto-debit, or standing instruction towards card payment is returned or dishonoured.
Lounge Access Benefits with PNB Rakshak RuPay Platinum Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
No dedicated complimentary domestic airport lounge visits are bundled on the PNB Rakshak RuPay Platinum Credit Card as per publicly available information.
international Lounges
silverVisits per year: 0
Guest access: No
This variant is not marketed as an international lounge credit card; lounge access, if any, may be available only via limited-time RuPay campaigns.
Insurance Coverage with PNB Rakshak RuPay Platinum Credit Card
Personal Accident Insurance
₹2,00,000Accidental death or total permanent disability cover for the primary cardholder, specifically structured for Rakshak segment defence personnel, as per the prevailing group insurance policy.
Credit Card Liability / Lost Card Protection
As per PNB group policy limitsLimited protection against fraudulent transactions post reporting of loss to PNB; detailed terms, exclusions and coverage amounts are governed by the bank’s insurance arrangement.
Purchase Protection (Indicative)
Up to ₹50,000 on eligible itemsCoverage on select transactions for a limited period from purchase date, subject to insurer’s detailed terms and documentation requirements where applicable.
Additional Features of PNB Rakshak RuPay Platinum Credit Card
PNB Genie App Controls
Manage your PNB Rakshak RuPay Platinum Credit Card through the PNB Genie mobile app – set limits, enable or disable channels, generate statements and track spends.
Requires registration on PNB Genie with linked Rakshak salary account and mobile number.
Contactless Payments
Tap-and-pay capability on compatible POS terminals using RuPay contactless technology for faster checkouts on small-ticket transactions.
Contactless transaction limits per tap follow RBI and PNB guidelines; PIN may be required above specified amounts.
RuPay Credit on UPI
Link your RuPay credit card on supported UPI apps to pay using credit at UPI QR and online merchants, while earning reward points on eligible spends.
Available on UPI apps that support RuPay credit card linking; some merchant categories may be restricted from earning rewards.
Add-on Cards
Facility to issue supplementary cards to eligible family members, allowing consolidation of family spending under one credit limit.
KYC and relationship proof for add-on cardholders required as per PNB policy; age and usage limits apply.
Welcome Bonus with PNB Rakshak RuPay Platinum Credit Card
Welcome Bonus: 300 Reward Points
Bonus Conditions: One-time 300 reward points on the first successful purchase transaction on the card for new cardholders, as per PNB Rakshak RuPay Platinum Credit Card terms.
Application Process for PNB Rakshak RuPay Platinum Credit Card
Processing Time
Typically 7–12 working days after successful verification of the PNB Rakshak salary account and submitted documents.
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Open or maintain an eligible PNB Rakshak salary or pension account with regular income or pension credits.
Visit your PNB home branch and request the PNB Rakshak RuPay Platinum Credit Card application form.
Fill in personal, employment or pension, and contact details and select the desired credit limit range, if applicable.
Submit the completed form along with KYC, service ID and income or pension proof for verification.
PNB performs internal credit assessment and approves the Rakshak RuPay Platinum Credit Card for eligible applicants.
On approval, the credit card kit is printed, dispatched and delivered to your registered mailing address, and you can activate and set PIN via PNB channels.
Required Documents for PNB Rakshak RuPay Platinum Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income or Pension Proof
salariedAccepted documents:
Service / Defence ID
defence_personnelAccepted documents:
PNB Rakshak RuPay Platinum Credit Card Merchant Acceptance Network
Domestic Acceptance
Strong domestic acceptance across India at RuPay-enabled POS terminals, ATMs and e-commerce websites for everyday spends like groceries, fuel, utilities, dining and shopping.
International Acceptance
Usable at overseas merchants and ATMs where RuPay and its international partner networks are accepted; international acceptance may still be narrower than global Visa or Mastercard in some regions.
Online Acceptance
Widely accepted on Indian online platforms, bill payment portals and government websites that support RuPay credit cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for PNB Rakshak RuPay Platinum Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹25,000
Minimum annual income
Who Can Apply
Important Conditions
- Available only for eligible defence, paramilitary, police and other Rakshak salary account holders with Punjab National Bank. Applicant should have a stable income or pension credit, valid PAN and Aadhaar, and a clean repayment history as per PNB credit policy.
How Approval Is Decided
- Applicant must be an eligible defence, paramilitary, police or similar Rakshak segment customer.
- Active PNB Rakshak salary or pension account with satisfactory conduct and regular credits.
- Minimum annual income or pension generally around ₹2.5 lakh or as per latest PNB policy.
- Good repayment behaviour and acceptable internal or bureau credit score as evaluated by Punjab National Bank.
- Complete and correct documentation, including KYC, service ID and address proof.
Pros of PNB Rakshak RuPay Platinum Credit Card
- No joining fee and effectively zero annual fee when the card is used once per quarter.
- Simple, flat reward structure on everyday retail spends without complicated milestones.
- Exclusive cashback and offers on utility bills, dining and household expenses through RuPay partners.
- Comprehensive accident insurance benefits designed for defence and uniformed personnel.
- RuPay credit-on-UPI support and PNB Genie app controls make it convenient for modern digital payments.
Cons of PNB Rakshak RuPay Platinum Credit Card
- Available only to eligible PNB Rakshak salary account holders in defence, paramilitary and similar segments.
- Limited or no complimentary airport lounge access compared with premium travel credit cards.
- Reward rate is modest and may not suit heavy online shoppers looking for very high accelerated rewards.
- RuPay card acceptance outside India can be more limited than Visa or Mastercard at some international merchants.
- No major milestone benefits or high-end lifestyle privileges like golf or concierge experiences.
Frequently Asked Questions about PNB Rakshak RuPay Platinum Credit Card
Who is eligible for the PNB Rakshak RuPay Platinum Credit Card?
The PNB Rakshak RuPay Platinum Credit Card is typically issued to defence, paramilitary, police and other eligible uniformed personnel who hold a PNB Rakshak salary or pension account and meet the bank’s internal credit and KYC norms.
Is there any joining fee or annual fee on the PNB Rakshak RuPay Platinum Credit Card?
There is no joining fee, and the annual fee is waived as long as you use the card at least once every quarter. This effectively makes the PNB Rakshak RuPay Platinum Credit Card a zero-fee card for active users.
How many reward points do I earn on the PNB Rakshak RuPay Platinum Credit Card?
You generally earn 1 reward point per ₹100 spent on most eligible retail purchases. You also receive a welcome bonus of 300 reward points on your first purchase transaction, and you may get extra value on select utility, dining and RuPay partner offers.
Does the PNB Rakshak RuPay Platinum Credit Card offer airport lounge access?
The Rakshak RuPay Platinum variant is not primarily marketed as an airport lounge card and does not have a clearly defined complimentary lounge program like premium travel cards. Any lounge access would be via limited-time RuPay network campaigns, so users who need regular lounge access should consider a higher-tier travel card.
Can I use the PNB Rakshak RuPay Platinum Credit Card internationally?
Yes, the PNB Rakshak RuPay Platinum Credit Card can be used at international merchants and ATMs where RuPay and its partner networks are accepted, subject to RBI and PNB guidelines. A foreign currency markup fee of around 3.5% of the transaction value is typically applicable on such spends.
Can I link the PNB Rakshak RuPay Platinum Credit Card to UPI apps?
RuPay credit cards can be linked to supported UPI apps such as BHIM, Google Pay and others that enable RuPay credit-on-UPI. Once linked, you can pay using your credit limit at eligible UPI merchants and still enjoy reward points on qualifying spends.
How do I apply for the PNB Rakshak RuPay Platinum Credit Card?
To apply, you generally need to visit your home PNB branch where your Rakshak salary or pension account is maintained, fill out the credit card application form, provide KYC and income or pension documents, and complete any additional verification requested by the bank. Online application journeys may be limited for this segment-specific card.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
