PNB EMT RuPay Platinum Credit Card
- Updated On: 12 February, 2026
The PNB EMT RuPay Platinum Credit Card is a co-branded card between Punjab National Bank and EaseMyTrip. The PNB EMT RuPay Platinum Credit Card is a fantastic option for those seeking a credit card with various benefits and rewards with a joining fee of ₹2,000. Cardholders can waive the annual fee by spending more than Rs. 1 Lakh in the previous year. As a welcome benefit, cardholders will get 300 reward points on the first transaction. They will also get a welcome voucher worth ₹3,000 that can be used for flight, hotel, and holiday bookings.
This card also provides insurance benefits up to ₹2 lakhs on accidental death and personal total disability. It also provides complimentary access to both domestic and international airport lounges. If you’re a frequent traveler, this card offers various vouchers to help you save money on flights, hotels, and holiday packages. It also provides discounts on multiple bookings for flights, hotels, and even buses, making travel more accessible and affordable. To learn all about the features and benefits continue reading.
PNB EMT RuPay Platinum Credit Card
( 4.3 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
Earn 4 Points For Every ₹100 Spent
Welcome Benefits
Voucher worth ₹3,000 for flight, hotel, and holiday bookings and 300 reward points on the first transaction
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
Earn 4 Points For Every ₹100 Spent
Reward Redemption
N/A
Travel
N/A
Domestic Lounge Access
Complimentary eight annual visits (2 per quarter)
International Lounge Access
2 Complimentary airport lounge access per year
Golf
N/A
Insurance Benefits
Offers coverage for accidental death and personal total disability up to Rs. 2 lakhs
Fees & Charges
Spend-Based Waiver
Annual fee waived on spends of Rs. 1 lakh
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
2.95%
Fuel Surcharge Waiver
1% fuel surcharge waiver from transactions between ₹500 and ₹4000
Cash Advance Charges
2%
Product Details
- Get 300 reward points on your first transaction.
- 1% fuel surcharge waiver on all transactions.
- Complimentary international and domestic lounge access.
Pros/Cons
Pros
- Insurance benefits up to ₹2 lakhs can be availed by customers.
- The card offers cashback and discounts on travel.
Cons
- Does not offer any discounts on movies and dining.
- The card has limited international benefits.
PNB EMT Credit Card: Features and Benefits
Welcome Benefits
- On the first transaction of the EMT Credit Card, cardholders will get 300 reward points.
- A welcome voucher worth ₹3,000 is given to cardholders, which can be used for flights (₹500), hotels (₹1,000), and holidays (₹1,500).
Reward Points
- Earn 1 Reward Point for every ₹100 spent
- Points expire after 3 years from the transaction date
- Valid on all retail spends (excludes cash withdrawal, fuel, and jewellery)
1 Reward Point = ₹0.25
Cashback Benefits
This card offers discounts on booking flights, hotels, and buses.
- For domestic flight bookings, you will get a flat 10% discount (up to ₹1,000) which can be availed at no minimum value.
- You will get a flat 10% discount (up to ₹500) on international flight bookings that can be availed at no minimum value.
- This card offers a flat 20% discount (up to ₹5,000) on booking domestic hotels, with no minimum value.
- For international hotel bookings a flat 20% discount (up to ₹10,000) is given with no minimum value.
- The customers can avail of flat ₹125 off on bus bookings at a minimum value of ₹500.
Customers can avail of a discount on a maximum of 4 monthly transactions. Any transactions beyond the fourth will not be eligible for the discount.
Insurance Benefits
Cardholders will get up to ₹2 lakh as insurance amount in case of accidental death or personal total disability.
Travel Benefits
- Two complimentary domestic airport lounge access is provided per quarter (8 visits annually) in 30+ airport lounges across 17 cities in India.
- Two complimentary domestic airport lounge access is provided annually in 500+ cities across 300 cities worldwide.
Fuel Surcharge Waiver
A fuel surcharge waiver of 1% is applicable for transactions between ₹500 and ₹4,000. The minimum waiver is ₹12.50 and the maximum is ₹250 per billing cycle.
Eligibility Criteria
The eligibility criteria to apply for the PNB EMT RuPay Platinum Credit Card are as follows:
- You should be a citizen of India or a non-resident Indian.
- You should be 18 years of age.
- You should have a steady source of income.
- You should have a good credit score.
The PNB EMT Credit Card Review
The PNB EMT RuPay Platinum Credit Card is a great choice for people who love to travel and want to save money. With this card, you get money back on things like flights and hotels, which makes going on trips cheaper. Plus, when you first get the card, you get some extra points and a voucher to help you save even more. The card also helps keep you safe by giving you insurance if something bad happens like an accident. You can even get into airport lounges for free, which makes waiting for flights more comfortable.
This card makes sense for anyone who travels a lot and wants to keep some extra cash in their pocket. All in all, it’s a smart choice for saving money on travel and making trips more fun and less stressful.
FAQs:
Are there any discounts on travel bookings with this card?
Yes, you can get up to 10% off on domestic and international flight bookings, up to 20% off on hotel bookings, both domestic and international and ₹125% off on bus bookings with certain conditions.
What benefits do I get with the PNB EMT RuPay Platinum Credit Card?
With the PNB EMT Credit Card, you enjoy a wide range of benefits including exclusive discounts on travel bookings, complimentary airport lounge access, reward points on every purchase, and much more. Cardholders will also get 300 reward points on the first transaction as a welcome gift as well as a voucher worth ₹3000 for flight, travel, and holiday bookings.