← Part of PNB Credit Cards in India
The PNB Rakshak RuPay Platinum Credit Card, issued by Punjab National Bank (PNB) in partnership with RuPay, offers defence personnel a zero-joining fee and zero-annual fee if used once per quarter. This card provides an accidental death or permanent disability cover of ₹2 Lakh, alongside complimentary domestic airport lounge access twice every quarter.
Designed specifically for serving defence personnel, trainees, and veteran pensioners, the card’s credit limit can be double the monthly income or pension, ranging from ₹25,000 to ₹5,00,000. IT also includes various insurance benefits, reward points, and cashback offers across over 300 RuPay merchant outlets.
| Parameter | Details |
|---|---|
| Card Name | PNB Rakshak RuPay Platinum Credit Card |
| Issuing Bank | Punjab National Bank (PNB) |
| Co-partner | RuPay |
| Target Audience | Serving defence personnel, trainees, and veteran pensioners |
| Joining Fee | ₹0 |
| Annual Fee | ₹0 (waived if used at least once per quarter) |
| Accidental Death/Permanent Disability Cover | ₹2 Lakh |
| Domestic Airport Lounge Access | 2 complimentary visits every quarter |
| International Airport Lounge Access | 4 complimentary visits every year |
| Credit Limit Range | ₹25,000 to ₹5,00,000 (or double monthly income/pension) |
| Minimum Annual Salary Eligibility | ₹2.5 lakh (for general PNB RuPay Platinum variant) |
| Application Mode | Offline (visit PNB branch where Rakshak savings account is held) |
| Cashback Credit Timeframe | Within 60 days of transaction date |
| Merchant Offers | 300+ offers under the RuPay program |
| UPI Integration | Yes, can be linked to UPI platforms (Google Pay, PhonePe, Paytm) |
The PNB Rakshak RuPay Platinum Credit Card simplifies financial transactions for defence personnel, offering significant savings on fees and d security through its insurance coverage.
PNB Rakshak RuPay Platinum Credit Card in India: Types, Categories & Key Components Explained
The PNB Rakshak RuPay Platinum Credit Card is specifically designed for defence personnel in India, offering a range of benefits including insurance coverage and airport lounge access. Punjab National Bank (PNB) also issues several other RuPay credit cards, each tailored to different user needs, from travel to daily shopping, with varying fee structures and reward programs as of 2026.
| Type/Category | Details | Key Feature |
|---|---|---|
| PNB Rakshak RuPay Platinum Credit Card | Co-partnered card with RuPay, designed for JCOs/ORs of Indian Army & equivalents, serving defence personnel, trainees, and veteran pensioners. | No joining fee; No annual fee if used once per quarter; full Insurance Cover of ₹2 Lakh (Accidental death or permanent disability); Merchant offers at over 300 RuPay program merchants; Card limit double the monthly income or pension (₹25,000 to ₹5,00,000) |
| PNB Rakshak RuPay Select Credit Card | Special credit card for defence personnel, available under the Rakshak Plus Scheme for serving members, veterans, and trainees. | No joining fee; No annual fee if used once per quarter; full Insurance Cover of ₹10 Lakh (Accidental death or permanent disability); 2 complimentary domestic airport lounge access every quarter and 4 international airport lounge access every year; Card limit double the monthly income or pension (₹50,000 to ₹10,00,000) |
| PNB RuPay Platinum Credit Card | A general-purpose credit card aimed at providing various reward offers and benefits for everyday expenses. | Joining fee of ₹500; 300 Reward Points (equivalent to ₹150) as a welcome gift on first swipe; Low joining/annual fees; Domestic lounge access; Insurance cover benefits; Supports seamless UPI integration; 1 reward point for every ₹100 spent (value ₹0.50 per point); Credit limit between ₹10,000 and ₹5,00,000 |
| PNB RuPay Millennial Card | A credit card suitable for consumers who travel frequently. | Joining and annual fee of ₹399 + taxes; Complimentary domestic and international airport lounge visits; Free golf and spa sessions; Up to ₹10 Lakh insurance coverage |
| PNB Patanjali RuPay Platinum Credit Card | Co-branded credit card exclusively crafted for individuals who frequently shop at Patanjali stores online or offline. | 5-7% cashback at Patanjali Ayurved Ltd. On recharging the card; Easy UPI Integration for RuPay scan and pay service; Higher transactions lead to higher rewards; Credit limit between ₹10,000 and ₹5,00,000 |
| PNB RuPay Select Credit Card | A credit card offering premium perks for daily life, suitable for travel and shopping. | Zero annual and joining fee if used once per quarter; Up to ₹10 Lakh insurance coverage; Complimentary domestic and international airport lounge visits; Credit limit between ₹50,000 and ₹10,00,000 |
| PNB Global Platinum Credit Card | A secure card for managing expenses, offering savings and privileges. | Joining fee of ₹500; 300+ reward points on first usage; No annual and joining fee if the card is used once a quarter; 1 reward point per ₹100 spent (value of 1RP ₹0.50); Effective Cashback Rate 0.5% |
| PNB EMT RuPay Platinum Credit Card | Co-branded travel card with exclusive travel benefits. | Exclusive travel benefits with lounge access; Joining fee of ₹2,000 |
| PNB LUXURA Metal Card (RuPay Ekaa) | Premium metal credit card. | Joining Fee – ₹9,000 + GST; Nil forex markup for PNB metal card “Luxura” (RuPay/VISA) |
| PNB Visa Classic Credit Card | A basic credit card suitable for shopping and rewards. | Eligibility for applicants with a minimum annual salary of ₹2.5 lakh; Credit limit between ₹10,000 and ₹1,00,000 |
| PNB RuPay Credit Cards (General) | A wide range of RuPay Credit Cards suitable for daily convenience, issued by Punjab National Bank. | UPI-enabled cards, linkable to Google Pay, PhonePe, and Paytm for secure payments and benefits; Eligibility for resident Indians aged 18 or above, salaried or self-employed individuals. |
| PNB Credit Card Against Fixed Deposit (RuPay Variant) | Credit card issued against a fixed deposit, offering a secured credit option. | No joining fees; Credit limit typically 80% of the fixed deposit value. |
These PNB RuPay credit cards cater to diverse financial needs, from specialized offerings for defence personnel to general-purpose cards with travel and shopping benefits, ensuring a suitable option for most Indian residents.
PNB Rakshak RuPay Platinum Credit Card in India: Key Statistics & Data Points for 2026
The PNB Rakshak RuPay Platinum Credit Card offers defence personnel a zero joining fee and a waived annual fee if used once per quarter. Cardholders receive an accidental death or permanent disability cover of ₹2 Lakh, along with 2 complimentary domestic airport lounge accesses every quarter and 4 international lounge accesses annually (Source: PNB Rakshak RuPay Platinum & Select Credit Cards for Defence).
| Metric | Value (as of 2026) | Source |
|---|---|---|
| Issuer | Punjab National Bank (PNB) | PNB Rakshak RuPay Platinum Credit Card – Benefits & Features |
| Co-partner | RuPay | PNB Rakshak RuPay Platinum Credit Card – Benefits & Features |
| Target Audience | Serving defence personnel, trainees, and veteran pensioners | PNB Rakshak RuPay Platinum & Select Credit Cards for Defence |
| Joining Fee | ₹0 | PNB Rakshak RuPay Platinum Credit Card – Benefits & Features |
| Annual Fee | ₹0 (waived if used at least once per quarter) | PNB Rakshak RuPay Platinum & Select Credit Cards for Defence |
| Minimum Annual Salary for Eligibility | ₹2.50 Lakhs p.a. | PNB Credit Card – Features, Eligibility, Documentation, Fees |
| Minimum Credit Limit | ₹25,000 | Key Fact Statement – Punjab National Bank -Credit Card Portal |
| Maximum Credit Limit | ₹5,00,000 | Key Fact Statement – Punjab National Bank -Credit Card Portal |
| Credit Limit Determination | Double the monthly income or pension (subject to bank’s discretion) | PNB Rakshak RuPay Platinum & Select Credit Cards for Defence |
| Interest-Free Period | 20-50 days | PNB Cards & Services |
| Reward Points Earning Rate | 1 point on every ₹100 spent | PNB Cards & Services |
| Accidental Death or Permanent Disability Cover | ₹2 Lakh | PNB Rakshak RuPay Platinum & Select Credit Cards for Defence |
| Complimentary Domestic Airport Lounge Access | 2 per quarter | PNB Rakshak RuPay Platinum & Select Credit Cards for Defence |
| Complimentary International Airport Lounge Access | 4 per year | PNB Rakshak RuPay Platinum & Select Credit Cards for Defence |
| Cashback Credit Timeframe | Within 60 days of transaction date | PNB Rakshak RuPay Platinum & Select Credit Cards for Defence |
| Application Mode | Offline (visit PNB branch where Rakshak savings account is held) | PNB Rakshak RuPay Platinum & Select Credit Cards for Defence |
| UPI Integration | Yes, can be linked to Google Pay, PhonePe, Paytm | PNB RuPay Credit Cards: Benefits, Fees & Eligibility |
| Merchant Offers (RuPay Program) | 300+ offers | PNB Rakshak RuPay Platinum & Select Credit Cards for Defence |
The card’s benefits are specifically tailored for defence personnel, offering substantial insurance coverage and travel perks without recurring annual fees, provided the card is actively used.
How PNB Rakshak RuPay Platinum Credit Card in India Works: Process, Steps & Key Details
Applying for the PNB Rakshak RuPay Platinum Credit Card requires an offline visit to a PNB branch where a Rakshak savings account is maintained. This card is specifically designed for defence personnel, trainees, and veteran pensioners in India.
The application process involves submitting a physical form and necessary documents, with the credit limit potentially set at double the monthly income or pension.
- Eligibility Criteria: The PNB Rakshak RuPay Platinum Credit Card is exclusively for defence personnel, including those serving, in training, and veteran pensioners. Applicants must be resident Indians aged 18 or above.
- Application Mode: As of 2026, the application for this card is strictly offline. IT cannot be applied for through online portals.
- Branch Visit Requirement: Applicants must visit the specific PNB branch where their PNB Rakshak savings account is held to initiate the application.
- Application Form Submission: A physical credit card application form must be filled out at the branch. Alternatively, some PNB RuPay cards allow downloading the form from the official website for submission at a branch.
- Required Documents: Necessary documents, typically including identity proof, address proof, and income proof (or pension statements for veterans), must be attached to the application form.
- Credit Limit Determination: The credit limit for the PNB Rakshak RuPay Platinum Credit Card can be up to double the applicant’s monthly income or pension, subject to the bank’s discretion. The general range for Rakshak RuPay Platinum is ₹25,000 to ₹5,00,000.
- Fee Waiver Condition: The card has no joining fee and its annual fee is waived if the card is used at least once every quarter. This condition helps cardholders avoid the ₹500 annual fee associated with some other PNB RuPay Platinum variants.
- Insurance Coverage: The card provides a full insurance cover, including an accidental death or permanent disability cover of ₹2 Lakh.
The PNB Rakshak RuPay Platinum Credit Card offers specific benefits like complimentary airport lounge access and merchant offers, making IT a tailored financial tool for its target demographic.
PNB Rakshak RuPay Platinum Credit Card in India: Benefits, Advantages & Why Defence Personnel Choose IT
The PNB Rakshak RuPay Platinum Credit Card offers defence personnel a tailored financial solution with significant benefits. This card provides a full insurance cover of ₹2 Lakh for accidental death or permanent disability, alongside travel perks.
Its zero joining and annual fees (if used quarterly) make IT a cost-effective choice for eligible individuals, including serving defence personnel, trainees, and veteran pensioners.
- Zero Fees: The PNB Rakshak RuPay Platinum Credit Card has no joining fee and waives the annual fee if the card is used at least once per quarter. This makes IT highly economical for regular users.
- Insurance Coverage: Cardholders receive an accidental death or permanent disability cover of ₹2 Lakh, providing financial security.
- Airport Lounge Access: Users get 2 complimentary domestic airport lounge accesses every quarter and 4 international airport lounge accesses annually, travel convenience.
- Reward Points & Cashback: The card offers various reward points and cashback benefits on transactions, with cashback credited within 60 days of the transaction date.
- Merchant Offers: Access over 300 exclusive merchant offers available under the RuPay program, providing savings on various purchases.
- Tailored for Defence: Specifically designed for serving defence personnel, trainees, and veteran pensioners, the card’s features align with their unique financial needs.
- Flexible Credit Limit: The credit limit can be up to double the monthly income or pension, ranging from ₹25,000 to ₹5,00,000, subject to the bank’s discretion.
These benefits collectively make the PNB Rakshak RuPay Platinum Credit Card a practical and advantageous option for India’s defence community.
PNB Rakshak RuPay Platinum Credit Card in India: Vs Alternatives: Which Option is Best?
The PNB Rakshak RuPay Platinum Credit Card offers specific benefits for defence personnel, including zero joining and annual fees under certain conditions. Other PNB RuPay cards, like the PNB RuPay Platinum and PNB RuPay Millennial, cater to broader audiences with varying fee structures and benefits as of 2026.
| Feature | PNB Rakshak RuPay Platinum Credit Card | PNB RuPay Platinum Credit Card | PNB RuPay Millennial Card |
|---|---|---|---|
| Target Audience | Defence personnel (JCOs/ORs of Indian Army & equivalents), trainees, and veteran pensioners | General customers seeking basic credit card benefits | Consumers who travel frequently, seeking lounge access and insurance |
| Joining Fee | ₹0 | ₹500 | ₹399 + taxes |
| Annual Fee | ₹0 (if used once per quarter) | ₹0 (if used once per quarter) | ₹399 + taxes |
| Credit Limit Range | ₹25,000 – ₹5,00,000 | ₹10,000 – ₹5,00,000 | ₹50,000 – ₹10,00,000 |
| Insurance Cover | Accidental death or permanent disability cover of ₹2 Lakh | full insurance coverage | Up to ₹10 Lakh insurance coverage |
| Lounge Access | 2 complimentary domestic airport lounge access every quarter and 4 international airport lounge access every year | Eligible domestic and international lounges twice in every quarter | Complimentary domestic and international airport lounge visits |
| Minimum Annual Salary for Eligibility | Double the monthly income or pension (subject to bank’s discretion) | ₹2.5 lakh | Resident Indians aged 18+ (salaried/self-employed) |
| Application Mode | Offline (visit PNB branch where Rakshak savings account is held) | Offline (visit branch or download form from PNB website) | Offline (visit branch or download form from PNB website) |
The PNB Rakshak RuPay Platinum Credit Card stands out for its zero fees and extensive lounge access, specifically tailored for defence personnel.
Common Misconceptions About PNB Rakshak RuPay Platinum Credit Card in India
The PNB Rakshak RuPay Platinum Credit Card offers specific benefits for defence personnel, including accidental death or permanent disability cover of ₹2 Lakh. Many users misunderstand its eligibility and fee structure, which differs from other PNB RuPay cards.
- Misconception 1: Online Application is Available: The PNB Rakshak RuPay Platinum Credit Card cannot be applied for online. Applicants must visit the PNB branch where their PNB Rakshak savings account is held to complete the application process.
- Misconception 2: Fixed Annual Fee: The card has no annual fee if used at least once per quarter. This waiver condition means the fee is not automatically charged each year, unlike some other credit cards.
- Misconception 3: Universal Eligibility: This card is exclusively for defence personnel, including serving members, trainees, and veteran pensioners. IT is not available to the general public, unlike the standard PNB RuPay Platinum Credit Card.
- Misconception 4: Same Benefits as PNB RuPay Select: While both are Rakshak cards, the Platinum variant offers ₹2 Lakh accidental death/permanent disability cover, whereas the Rakshak RuPay Select card provides a higher cover of ₹10 Lakh.
- Misconception 5: Standard Credit Limit: The credit limit for the PNB Rakshak RuPay Platinum Credit Card is typically double the monthly income or pension. This is subject to the bank’s discretion and can range from ₹25,000 to ₹5,00,000.
Understanding these specific details helps cardholders maximize the benefits of the PNB Rakshak RuPay Platinum Credit Card.
What to Do Next: Actionable Steps
Applying for the PNB Rakshak RuPay Platinum Credit Card in 2026 requires an offline application process. Defence personnel, including trainees and veteran pensioners, are eligible for this card.
The card offers a credit limit up to double your monthly income or pension, subject to PNB’s discretion.
- Visit a PNB Branch: Go to the Punjab National Bank branch where your PNB Rakshak savings account is held.
- Complete Application Form: Fill out the physical credit card application form provided at the branch.
- Attach Required Documents: Submit all necessary documents along with your application form.
- Verify Eligibility: Ensure you meet the criteria as serving defence personnel, a trainee, or a veteran pensioner.
- Confirm Fee Waivers: The card has no joining fee, and the annual fee is waived if used at least once per quarter.
- Understand Benefits: Review the accidental death or permanent disability cover of ₹2 Lakh and complimentary airport lounge access (2 domestic per quarter, 4 international per year).
Key Takeaways
- The PNB Rakshak RuPay Platinum Credit Card is exclusively for defence personnel, including trainees and veteran pensioners.
- This card features no joining fee and an annual fee waiver if used at least once every quarter.
- Applicants must apply offline by visiting a PNB branch where their Rakshak savings account is maintained.
Visit your nearest PNB branch to initiate the application process for the PNB Rakshak RuPay Platinum Credit Card.
Frequently Asked Questions (FAQs)
Is there a joining fee for the PNB Rakshak RuPay Platinum Credit Card?
No, the PNB Rakshak RuPay Platinum Credit Card does not have a joining fee. IT also waives the annual fee if you use the card at least once per quarter, making IT a cost-effective option for eligible users in 2026.
Can I activate my PNB Rakshak RuPay Platinum Credit Card online?
Yes, you can activate your PNB Rakshak RuPay Platinum Credit Card online through the PNB credit card portal or mobile banking app. You will typically need your card details and registered mobile number to complete the activation process.
How to claim the cashback earned on using the Rakshak RuPay credit card?
Cashback earned from using the PNB Rakshak RuPay Platinum Credit Card at partner outlets is automatically credited to your credit card account. This credit typically appears within 60 days of the transaction date, reducing your outstanding balance.
How can I save from paying the annual fee on the PNB Rakshak credit card?
You can save on the annual fee for the PNB Rakshak RuPay Platinum Credit Card by using IT at least once every quarter. This condition ensures that the annual fee is waived, as per PNB’s terms for 2026.
Who is eligible for a PNB RuPay Credit Card?
Applicants for PNB RuPay Credit Cards must be resident Indians aged 18 or above. Both salaried and self-employed individuals can apply, provided they meet PNB’s income and credit score criteria for 2026.
What insurance benefits does the PNB Rakshak RuPay Platinum Credit Card offer?
The PNB Rakshak RuPay Platinum Credit Card provides a comprehensive insurance cover of ₹2 lakh for accidental death or permanent disability. This benefit is a key feature for defence personnel and their families in 2026.
Does the PNB Rakshak RuPay Platinum Credit Card offer airport lounge access?
Yes, the PNB Rakshak RuPay Platinum Credit Card offers complimentary airport lounge access. Cardholders receive 2 complimentary domestic airport lounge accesses every quarter, travel convenience.
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.