← Part of PNB Credit Cards in India
The PNB RuPay Platinum Credit Card offers a 20 to 50-day interest-free grace period, making IT a popular choice for daily spending in India. This card provides over 300 exclusive merchant offers and a welcome benefit of 300 reward points (worth ₹150) on the first swipe, issued by Punjab National Bank.
| Parameter | Details |
|---|---|
| Card Type | Credit Card |
| Card Network | RuPay Platinum |
| Issuer | Punjab National Bank (PNB) |
| Joining Fee | ₹500 (waived if used once per quarter) |
| Annual Fee | ₹500 (waived if used once per quarter) |
| Interest Rate | 2.95% per month |
| Interest-Free Grace Period | 20-50 days |
| Welcome Benefit | 300 Reward Points (equivalent to ₹150) on first swipe |
| Reward Points Earning | 1 point on every ₹100 spent |
| Credit Limit Range | ₹10,000 to ₹5,00,000 (assigned by bank) |
| Cash Withdrawal Limit | 20% of existing credit limit |
| Eligibility (Age) | 21-65 years |
| Eligibility (Income) | Minimum annual salary of ₹2.5 lakh |
| Key Benefits | Reward points, cashback offers, full insurance, UPI integration, domestic lounge access (twice per quarter), merchant offers |
| Exclusive Merchant Offers | Over 300 offers available |
| Cashback Offers | Available on utility bills and dining (e.g., ₹250) |
The PNB RuPay Platinum Credit Card combines low fees with practical benefits, making IT suitable for individuals seeking a basic yet rewarding credit card for everyday transactions.
PNB RuPay Platinum: Features & Benefits
The PNB RuPay Platinum Credit Card offers a welcome gift of 300 Reward Points, equivalent to ₹150, on its first swipe. Cardholders also receive full insurance coverage up to ₹2 lakh for accidental death and total personal disability, as of 2026.
| Type/Category | Details | Key Feature |
|---|---|---|
| Welcome Benefit | 300 Reward Points on first card swipe (equivalent to ₹150) | Instant Savings |
| Reward Points | 1 Reward Point for every retail spend of ₹100 | Earn on every spend |
| Cashback Offers | Wide range of cashback offers on utility bills and dining expenses | Savings on daily expenses |
| Insurance Coverage | Up to ₹2 lakh for accidental death and personal total disability | Financial security |
| Annual Fee Waiver | Annual fee of ₹500 waived if card is used at least once every 3 months | Cost-effective |
| Lounge Access | Complimentary domestic and international airport lounge access (twice every quarter) | Travel comfort |
| UPI Integration | Seamless integration with UPI apps like Google Pay, PhonePe, and Paytm | Modern payment convenience |
| Interest-Free Period | 20 to 50 days | Extended payment window |
| Merchant Offers | Over 300 exclusive merchant offers available | Exclusive discounts |
| Concierge Services | Round-the-clock concierge services for travel and medical assistance | Personalized support |
| Credit Limit | Assigned by the bank, typically between ₹10,000 and ₹5,00,000 | Flexible spending power |
| Cash Withdrawal Limit | Up to 20% of the existing credit limit | Emergency cash access |
The card’s annual fee waiver, based on quarterly usage, makes IT a cost-effective option for regular spenders seeking travel and daily expense benefits.
PNB RuPay Platinum: Fees & Charges
The PNB RuPay Platinum Credit Card typically carries a joining fee of ₹500 and an annual fee of ₹500. However, both fees can be waived if the card is used at least once every three months, making IT a cost-effective option for regular users.
| Metric | Value (₹) | Source |
|---|---|---|
| Joining Fee | 500 | PNB RuPay Platinum Credit Card: Check Benefits & Apply Here |
| Annual Fee | 500 | PNB Rupay Platinum Credit Card – Check Features & Benefits |
| Annual Fee Waiver Condition | Used at least once every 3 months | PNB Rupay Platinum Credit Card – Check Features & Benefits |
| Interest Rate (per month) | 2.95% | PNB Rupay Platinum Credit Card – Check Features & Benefits |
| Interest-Free Grace Period | 20-50 days | PNB RuPay Platinum Credit Card – Benefits, Fees & Reward |
| Fuel Surcharge Waiver (max per billing cycle) | 250 | KEY FACT STATEMENT I. |
| Reward Points on First Swipe | 300 | PNB RuPay Platinum Credit Card: Check Benefits & Apply Here |
| Reward Points per ₹100 retail spend | 1 | PNB RuPay Platinum Credit Card: Check Benefits & Apply Here |
The card’s finance charge stands at 2.95% per month, aligning with standard rates for similar credit cards in India. Cardholders can also benefit from an interest-free grace period of 20-50 days on their purchases.
PNB RuPay Platinum: Eligibility & Documents
To apply for the PNB RuPay Platinum Credit Card in 2026, applicants must be Indian citizens aged 21 to 65 years. A steady source of income is mandatory, with a minimum annual salary of ₹2.5 lakh required for eligibility.
The application process can be completed both online through the PNB Cards official website or offline by visiting a PNB branch.
- Age Criteria: Applicants must be between 21 and 65 years of age to be eligible for the PNB RuPay Platinum Credit Card.
- Nationality: Only Indian citizens are eligible to apply for this credit card.
- Income Requirement: A minimum annual salary of ₹2.5 lakh is required for the PNB RuPay Platinum Credit Card, ensuring a steady repayment capacity.
- Employment Status: Both salaried and self-employed individuals with a consistent income source can apply for the card.
- CIBIL Score: While not explicitly stated, a CIBIL score of 750 or higher typically improves approval chances for credit cards in India.
- Application Mode (Online): You can apply directly via the PNB Cards official website by filling out the online application form.
- Application Mode (Offline): Alternatively, visit any PNB branch with your documents or download the form from the PNB website, fill IT, and submit IT at a branch.
- Document Submission: Required documents generally include identity proof (PAN card, Aadhaar), address proof, and income proof (salary slips, bank statements, ITR).
- Card Delivery: For approved online applications, the PNB RuPay Platinum Credit Card is typically delivered within 7–10 working days.
Meeting these eligibility criteria and providing the necessary documents streamlines the application process for the PNB RuPay Platinum Credit Card.
Applying for PNB RuPay Platinum Card
Applying for the PNB RuPay Platinum Credit Card is straightforward, with both online and offline options available for Indian citizens aged 21-65 years. The card requires a minimum annual salary of ₹2.5 lakh for eligibility.
The application process typically involves submitting necessary documents and can result in card delivery within 7-10 working days for approved online applications.
- Online Application: Visit the official PNB Cards website to complete the application form digitally. This method is often faster for initial processing.
- Offline Application (Branch Visit): Applicants can visit any Punjab National Bank branch, fill out the physical application form, and submit IT with required documents.
- Offline Application (Download Form): Download the application form from the PNB official website, fill IT out, and submit IT to your nearest PNB branch.
- Document Submission: Ensure all required documents, such as identity proof, address proof, and income proof, are ready for submission with your application.
- Eligibility Check: Confirm you meet the age criteria (21-65 years) and have a steady income source, with a minimum annual salary of ₹2.5 lakh.
- Application Tracking: After submission, you can typically track your application status online or by contacting PNB customer service.
- Card Delivery: Approved online applications for the PNB RuPay Platinum Credit Card are generally delivered within 7-10 working days.
Choosing the right application method depends on your preference for digital convenience or in-person assistance at a PNB branch.
PNB RuPay Platinum vs Other RuPay Cards
PNB offers several RuPay credit card variants, each designed for different spending patterns. The PNB RuPay Platinum card provides a balance of benefits for daily use, while cards like RuPay Select and Millennial offer d features for specific needs.
| Feature | PNB RuPay Platinum | PNB RuPay Select | PNB RuPay Millennial |
|---|---|---|---|
| Joining Fee | ₹500 (waived if used once per quarter) | ₹500 (waived if used once per quarter) | ₹399 + taxes |
| Annual Fee | ₹500 (waived if used once per quarter) | ₹750 (waived if used once per quarter) | ₹399 + taxes |
| Welcome Benefit | 300 Reward Points (equivalent to ₹150) | 300 bonus Reward Points | 300 bonus reward points (on first purchase within 90 days) |
| Minimum Annual Salary for Eligibility | ₹2.5 lakh | Not specified (standard PNB criteria apply) | ₹5 lakh |
| Interest Rate (per month) | 2.95% | 2.95% | Not specified (standard PNB rates apply) |
| Lounge Access | Complimentary domestic and international airport lounge access (twice per quarter) | Domestic airport lounge access (spend-based, ₹5,000 spend in preceding month) | Airport lounge access (more frequent than Select cards) |
| Key Benefits | Reward points, cashback, insurance, UPI integration, merchant offers | Reward programs, full insurance, travel privileges | Lifestyle benefits, premium health checkups, gym membership, reward points on retail/online |
| Credit Limit Range | Assigned by bank (typically ₹10,000 to ₹5 lakh) | Assigned by bank | Assigned by bank |
The PNB RuPay Platinum card suits users seeking a low-fee card with benefits and UPI integration. Higher-tier cards like RuPay Select and Millennial offer more premium features, including d lounge access and lifestyle perks, for a slightly higher fee structure.
PNB RuPay Platinum: Important Considerations
The PNB RuPay Platinum Credit Card offers a balance of benefits and low fees, making IT suitable for everyday spending. As of 2026, its interest-free grace period ranges from 20 to 50 days, providing flexibility for cardholders.
- Annual Fee Waiver: The card’s ₹500 annual fee is waived if used at least once every three months. This makes IT a cost-effective option for regular users.
- Welcome Reward: Cardholders receive 300 Reward Points, equivalent to ₹150, upon the card’s first swipe. This welcome gift provides immediate value.
- Minimum Income: Applicants need a minimum annual salary of ₹2.5 lakh to be eligible for the PNB RuPay Platinum Credit Card. This criterion aligns with other entry-level cards.
- Application Process: You can apply for the card both online through the PNB Cards official website or offline by visiting a PNB branch. Online applications for PNB RuPay Credit Cards typically see card delivery within 7-10 working days.
- Domestic Network: As a RuPay card, IT supports UPI payments at merchant outlets, its utility for digital transactions across India.
Considering these points helps evaluate if the PNB RuPay Platinum Credit Card aligns with your spending habits and financial goals.
PNB RuPay Platinum: Official Resources
Accessing official information for the PNB RuPay Platinum Credit Card ensures accurate details on features and application. Punjab National Bank provides dedicated online portals and downloadable forms for cardholders and applicants.
| Resource | Type | Where to Access/Download |
|---|---|---|
| PNB Credit Card Portal | Official Website | https://pnbcard.in/types.html |
| PNB Cards & Services | Official Website | https://pnbcsl.in/view/credit-cards |
| PNB RuPay Platinum Credit Card Application Form | Application Form | PNB’s official website or nearest PNB branch |
| RuPay Select & Platinum Benefit Program Guide & FAQs | Guide/FAQ Document | https://pnb.bank.in/downloadprocess.aspx?fid=W84isAhMU3o3YepWesgT+g%3D%3D |
| PNB RuPay Platinum Credit Card Product Page | Card Details | https://pnbcsl.in/view/card-detail-page/547 |
| PNB Patanjali RuPay Platinum Credit Card Details | Card Details | Pice App Blog |
| PNB EMT RuPay Platinum Credit Card Details | Card Details | Paisabazaar.com |
| RBI Credit Card Guidelines | Regulatory Information | RBI.org.in |
These official resources provide full details on the PNB RuPay Platinum Credit Card, including eligibility, fees, and application procedures for 2026.
Key Takeaways
- The PNB RuPay Platinum Credit Card has a joining fee of ₹500 and an annual fee of ₹500, with waivers possible if used once per quarter.
- Applicants must be Indian citizens aged 21-65 years with a minimum annual salary of ₹2.5 lakh.
- The card offers 300 reward points (worth ₹150) on first usage and an interest-free grace period of 20-50 days.
Check your eligibility and apply for the PNB RuPay Platinum Credit Card through the official PNB Cards & Services website or by visiting a PNB branch.
Frequently Asked Questions (FAQs)
What are the key benefits of the PNB RuPay Platinum Credit Card?
The PNB RuPay Platinum Credit Card offers reward points, cashback benefits, and comprehensive insurance coverage. Cardholders receive 300 reward points (equivalent to ₹150) on their first card swipe. IT also provides cashback offers on utility bills and dining expenses.
What is the annual fee for the PNB RuPay Platinum Credit Card?
The PNB RuPay Platinum Credit Card typically has an annual fee of ₹500. However, some variants, like the PNB Rakshak RuPay Select Card, may offer zero annual and joining fees if the card is used at least once per quarter. Always verify the current fee structure with PNB.
What are the eligibility criteria for the PNB RuPay Platinum Credit Card?
Indian citizens aged between 21 and 65 years with a steady source of income can apply for the PNB RuPay Platinum Credit Card. Applicants generally need a minimum annual salary of ₹2.5 lakh to be eligible. Both salaried and self-employed individuals are eligible.
How can I apply for the PNB RuPay Platinum Credit Card?
You can apply for the PNB RuPay Platinum Credit Card both online and offline. To apply online, visit the official PNB Cards website. For offline applications, visit a PNB branch with your documents or download the form from the PNB website and submit IT at a branch.
Does the PNB RuPay Platinum Credit Card offer any welcome benefits?
Yes, the PNB RuPay Platinum Credit Card provides a welcome benefit of 300 reward points upon the first card swipe. These reward points are equivalent to ₹150, offering an initial saving for new cardholders. This is a standard welcome offer as of 2026.
What is the interest rate on the PNB RuPay Platinum Credit Card?
As of 2026, the PNB RuPay Platinum Credit Card typically carries an interest rate of 2.95% per month. This translates to an annual percentage rate (APR) of approximately 35.4% on outstanding balances. Interest rates can vary, so confirm with PNB.
Are there any co-branded versions of the PNB RuPay Platinum Credit Card?
Yes, Punjab National Bank offers co-branded versions, such as the PNB EaseMyTrip RuPay Platinum Credit Card, which provides exclusive travel benefits. There is also the PNB Patanjali RuPay Platinum Credit Card, offering benefits related to Patanjali products. These cards cater to specific spending patterns.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.