Welcome Benefit: 300+ reward points on 1st usage.
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PNB Rakshak Rupay Platinum Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: 300+ reward points on 1st usage.
Milestone Benefits
None.
Cashback Rate
Users can earn 1 reward point for every INR 100 spent.
1 RP = INR 0.50.
General Cashback Rate = 0.5%
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
The card comes with no joining fee, and no annual fee, if the card is used once in each quarter)
The card also offers exclusive cashback on utility bills, eateries and restaurants etc.,
Comprehensive insurance coverage
24/7 concierge services
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: 300+ reward points on 1st usage.
Milestone Benefits
None.
Cashback Rate
Users can earn 1 reward point for every INR 100 spent.
1 RP = INR 0.50.
General Cashback Rate = 0.5%
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
The card comes with no joining fee, and no annual fee, if the card is used once in each quarter)
The card also offers exclusive cashback on utility bills, eateries and restaurants etc.,
Comprehensive insurance coverage
24/7 concierge services
Lounge Access
None.
Fees & Charges
Joining Fee
No joining fee
Annual Fee
No annual fee ( if card is used once in each quarter)
Cash Advance Fee
Cash advance fee: 2% of the cash withdrawn or Rs.150
Interest rate
Interest Rates: 2.95 percent every month 35.89%.p.a.
Late Payment Fee
Late payment fee- Rs. 1,000 or less: Nil Rs. 1,001 to Rs. 5,000: Rs. 500 Rs. 5,0001 to Rs. 10,000: Rs. 600 Above Rs. 10,000: Rs. 750
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: NIL
Fees & Charges
Joining Fee
No joining fee
Annual Fee
No annual fee ( if card is used once in each quarter)
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 2.95 percent every month 35.89%.p.a.
Late Payment Fee
Late payment fee- Rs. 1,000 or less: Nil Rs. 1,001 to Rs. 5,000: Rs. 500 Rs. 5,0001 to Rs. 10,000: Rs. 600 Above Rs. 10,000: Rs. 750
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: NIL
Special Features
Eligibility Criteria
Age: The primary cardholder must be between 21 and 65 years of age.
Educational qualification: The applicant must have passed the 10th standard (passed).
Income: The applicant must have a minimum annual income of INR2 lakhs.
Cibil score: A credit score of 750+ is considered good to apply for this credit card.
Employment: The applicant must be employed or self-employed.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Online Visit the PNB Cards website and click on the "Apply Online" button.
Select the PNB Rakshak RuPay Platinum Credit Card and click on the "Apply Now" button.
Fill in the application form with your personal and financial details.
Upload the required documents, such as your PAN card, Aadhar card, and income proof.
Review and submit your application.
The required documents for applying for a PNB Rakshak RuPay Platinum Credit Card are: PAN card Aadhar card Income proof (salary slip, salary certificate, Form 16 for salaried individuals; PAN card, IT return, Form 60/61 for self-employed individuals)
Once your application is approved, you will receive your PNB Rakshak RuPay Platinum Credit Card within 7-10 business days.
Contact Details
Toll Free No. 1800 1800 1800 2021 1800 180 2222 1800 103 2222
Tolled No. 0120-2490000 Landline :011-28044907
care[at]pnb[dot]co[dot]in
Account Opening and Procedure
The PNB Rakshak Rupay Platinum Card offers a variety of benefits and features that can be valuable for defence personnel. The high credit limit, fuel surcharge waiver, and interest-free cash withdrawal can be especially useful for this demographic. However, the limited reward program and high interest rate are drawbacks to consider.
The PNB Rakshak Rupay Platinum Card offers a variety of benefits and features that can be valuable for defence personnel. The high credit limit, fuel surcharge waiver, and interest-free cash withdrawal can be especially useful for this demographic. However, the limited reward program and high interest rate are drawbacks to consider.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai