PNB RuPay Platinum Credit Card
Punjab National Bank
Last updated: Feb 03, 2026
₹500
₹0
Free
No lounge access
Contents
PNB RuPay Platinum is a basic-to-mid-level credit card designed for everyday spending with minimal costs, reward points on retail spends, utility bill cashbacks, and occasional lounge access — a suitable starter card for salaried Indians or first-time credit card users.
Rewards Structure of PNB RuPay Platinum Credit Card
retail spending
baseall retail online/offline spends
Standard earn rate
Fees & Charges of PNB RuPay Platinum Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹500 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | 0 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Fee waived if card used at least once every quarter
Fee Explanation Joining fee is nil; annual fee applies but is waived on quarterly usage.
Detailed Explanation of PNB RuPay Platinum Credit Card Fees
Joining Fee: 0 (once)
Nil
Annual Fee: 500 (yearly)
Waived if card used at least once per quarter
Lounge Access Benefits with PNB RuPay Platinum Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Complimentary lounge access (per PNB offers)
Insurance Coverage with PNB RuPay Platinum Credit Card
accidental insurance
₹2,00,000 (approx)As per PNB insurance policy
Additional Features of PNB RuPay Platinum Credit Card
E-bill registration bonus
50 extra reward points on e-bill registration
PNB GENIE Mobile App
Access to card management, offers & payment tracking via PNB app
Welcome Bonus with PNB RuPay Platinum Credit Card
Welcome Bonus: 300 Reward Points
Bonus Conditions: On first retail or online transaction within 90 days of activation
Application Process for PNB RuPay Platinum Credit Card
Processing Time
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Visit PNB cards portal or branch
Fill application form and submit KYC documents
PNB performs eligibility check
Card issued if approved within a few working days
Required Documents for PNB RuPay Platinum Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried/self-employedAccepted documents:
PNB RuPay Platinum Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India (retail / online / utilities)
International Acceptance
RuPay — limited international acceptance (where RuPay is accepted)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Eligibility Criteria for PNB RuPay Platinum Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
0+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
How Approval Is Decided
- Minimum annual income approx ₹2.50 lakh
- Acceptable credit history
- Valid ID and address proof
Pros of PNB RuPay Platinum Credit Card
- No joining fee
- Annual fee waiver on minimal usage
- Easy-to-understand rewards on retail spend
Cons of PNB RuPay Platinum Credit Card
- Very basic reward rate (1 pt/₹100)
- Limited premium benefits (e.g. few lounge visits, no bonus for dining/travel)
- Not very rewarding for high spenders or frequent travellers
Frequently Asked Questions about PNB RuPay Platinum Credit Card
Is there a joining fee for PNB RuPay Platinum Credit Card?
No, joining fee is nil.
What is the annual fee and can it be waived?
Annual fee is ₹500, and it is waived if you make at least one transaction every quarter.
How many reward points do I earn on retail spends?
You earn 1 reward point for every ₹100 spent on retail purchases.
What is the welcome bonus?
You get 300 reward points on your first retail or online transaction within 90 days of card activation.
Are fuel transactions eligible for reward points?
No — fuel and cash withdrawals generally do not earn reward points.
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