Updated On

Issued by the Punjab National Bank, the PNB RuPay Platinum Credit Card is aimed at providing its customers with various reward offers and other benefits. With a joining fee of Rs. 500, the card gets you 300 Reward Points on your card’s first swipe as a welcome gift. You get 1 Reward Point on every Rs. 100 you spend using this card, and 50 extra Reward Points on registering for the E-bill facility. To provide you with extra-luxurious travel experiences, the card provides complimentary lounge access to domestic as well as international airport lounges.

The card has a nominal annual fee of Rs. 500, which can be waived off just by making one transaction every quarter. The Union Bank also offers a Platinum Credit Card on the RuPay network, which is quite similar to the card offered by PNB. The other benefits of the PNB RuPy Platinum card include a fuel surcharge waiver, accidental insurance coverage, etc. Keep reading the information given below to know all about the PNB RuPay Platinum Credit Card and its advantages:

PNB RuPay Platinum Credit Card feature

Joining Fee


Renewal Fee


Best Suited For

Travel | Shopping |

Reward Type

Reward Points

Welcome Benefits

300 Reward Points

Movie & Dining


Rewards Rate

1 Reward Points per Rs. 100 spent

Reward Redemption

You can redeem your earned Reward Points by logging in to the PNB Rewardz website. 1 Reward Point = Rs. 0.50.


Complimentary airport lounge access every year

Domestic Lounge Access

Up to 2 complimentary domestic lounge access every quarter

International Lounge Access

Up to 2 complimentary international lounge access every quarter



Insurance Benefits

Insurance cover for the personal accident is provided

Spend-Based Waiver

The renewal fee is waived off if the PNB RuPay Platinum Credit card is used once every quarter.

Rewards Redemption Fee


Rewards Redemption Fee


Foreign Currency Markup

3.5% on all foreign currency transactions

Interest Rates

2.95% per month

Fuel Surcharge

1% fuel surcharge is waived off for all fuel transactions between Rs. 500 and Rs. 3,000.

Cash Advance Charges

2% of the amount withdrawn or Rs. 100 (whichever is higher) at PNB ATMs. 2% of the amount withdrawn or Rs. 150 (whichever is higher) at Other ATMs. 2% of the amount withdrawn or Rs. 250 (whichever is higher) at Overseas

  • You get 1 Reward Point for every retail spend of Rs. 100 using your PNB RuPay Platinum Credit Card.
  • 50 Reward Points on E-bill registration.
  • Welcome bonus of 300 Reward Points.
  • Easy redemption of Reward Points.
  • Complimentary domestic & international lounge access.
  • Accidental insurance coverage.
  • 1% fuel surcharge waiver.
  • Spend-based annual fee waiver.
  • Zero liability against a lost card.

PNB RuPay Platinum Credit Card Features and Benefits

The RuPay Platinum Credit Card offered by the Punjab National Bank is one of the popular offerings of the bank. It comes with a really good reward rate and several other privileges across different categories, including travel, insurance, fuel, and many more. The detailed features and benefits of this card are given below:

Welcome Benefits

You get 300 bonus Reward Points as a welcome benefit on your first card swipe for retail/online transactions if done within the first 90 days after the card set-up date.

Travel Benefits

You get 2 complimentary domestic/international airport lounge access every quarter (8 per year).

Insurance Cover

You get accidental insurance coverage worth Rs. 2 lakhs.

Concierge Benefits

The Punjab National Bank provides you with 24*7 concierge services that can be availed by calling on 1800-2100-131. The service can help you in the following ways:

  • Dining referrals & reservations.
  • Flowers & gifts.
  • Event bookings.
  • Pre-trip assistance.
  • Flight/Hotel bookings.
  • Emergency medical support.

Fuel Surcharge Waiver

  • The 1% fuel surcharge is waived off at all fuel stations in India for all transactions between Rs. 500 & Rs. 3,000.
  • The maximum fuel surcharge waiver is capped at Rs. 250 per month for this card.

PNB RuPay Platinum Credit Card Rewards:

  • You get 1 Reward Point on every Rs. 100 you spend on retail purchases.
  • You earn 50 extra Reward Points on successful E-bill registration.
  • You don’t earn any Reward Points on jewelry purchases, fuel transactions, and cash withdrawals.
  • The Reward Points are valid only for 3 years from the date of accumulation.

Rewards Redemption

  • To redeem your earned Reward Points, you will have to log in to the PNB Rewardz
  • You can redeem your Reward Points against various products and categories, such as hotel bookings, mobile recharge, merchandise, etc, at a rate of 1 Reward Point = Rs. 0.50.
  • You should have a minimum of 500 Reward Points for redemption.

PNB RuPay Platinum Card Eligibility Criteria

There are some specific eligibility requirements that need to be fulfilled by the applicants in order to get approved for the PNB RuPay Platinum Credit Card. The eligibility criteria of this card are as follows:

  • Age of Primary Cardholders – 21 years to 65 years.
  • Age of add-on cardholders – 18 years to 65 years.
  • Income – Rs. 5,00,000 or more.
  • Educational qualification – 10th pass / literate.
  • The applicant should also have a decent credit history.

Documents Required

The documents required to apply for the PNB RuPay Platinum Credit Card are listed below:

  • Identity Proof: PAN Card, Driving Licence, Passport, Voter ID Card, or Aadhar Card.
  • Residential Proof (any of the following): Ration Card, Voter ID card, Utility bills, Letter from any recognized public authority
  • Income Proof: For salaried people – Salary slip, salary certificate, Form 16. For self-employed people – PAN Card, IT return, Form 60/61.

How To Apply For The PNB RuPay Platinum Credit Card?

You can apply for the PNB RuPay Platinum Credit Card offline by visiting the branch with all the required documents and then filling out the physical application form. Another method is to download the form from the PNB’s official website, fill it out, and submit it to your nearest branch, along with all the necessary documents. The following are the steps to download the application form:

  • Click on the Apply Now button.
  • Download the application form and fill it out.
  • Attach all the required documents and submit them to your nearest branch.


The PNB RuPay Platinum Credit Card gives you amazing opportunities to save every time you spend. To give you a great start, the card welcomes you with 300 Reward Points, which are equivalent to Rs. 150. So, you save Rs. 150 at the very beginning of your journey with the card. With a very nominal joining & annual fee, the card allows you to enjoy exclusive benefits, such as complimentary airport lounge access, insurance coverage, an annual fee waiver, and many more.

Keeping all these points in mind, it can be concluded that the PNB RuPay Platinum Credit Card is a significant choice for people looking for a credit card with low joining/annual fees, great saving opportunities & exciting travel benefits.


The maximum benefit you can get through the fuel surcharge waiver on the PNB RuPay Platinum Credit Card is Rs. 250 per month.
Yes, the Reward Points you earn through your PNB Credit Cards can be redeemed at the PNB Rewardz website.
Yes, you can get the annual fee waived off for your PNB RuPay Platinum Credit Card by making at least 1 online or retail transaction every quarter.
To avail of the concierge services, you can simply call the 24*7 concierge desk on 1800-2100-131.


Leave a Reply

Your email address will not be published. Required fields are marked *

Add cards to start comparing

Compare Cards
Scroll to Top