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PNB Rakshak Rupay Platinum Card

Product Details
Credit Card Name : 

PNB Rakshak Rupay Platinum Card

Bank Name :

Punjab National Bank

Type :

Rewards Credit Card

Interest Rate : 

2.95% p.m. (35.89% p. a.)

Eligibility :

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.

PNB Rakshak Rupay Platinum Card
Pros
  • The card comes with No joining fee, and No annual fee ( if the card is used once in each quarter) 

  • 300+ reward points on 1st usage (Welcome Offer). 

  • The card also offers exclusive cash back on utility bills, eateries and restaurants etc., and Comprehensive insurance coverage 24/7 concierge services 

  • Convenient mobile app "PNB GENIE" - One-Stop Solution. 

  • Fuel Surcharge Benefits

Cons
  • No domestic or international lounge access facility.

Pros & Cons
Welcome Benefits
300+ reward points on 1st usage
Rewards System
  • You can earn 1 reward point for every INR 100 spent. 

  • 1 RP= 0.50 paisa 

  • Effective cashback rate = 0.5%

International Forex Markup
3.50% on the conversion amount
Welcome Benefits and Reward System
Special Features
None
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.

Benefits


  • Customers can get 300 reward points on therir first transaction

  • Accelerated reward points of 2x on retail merchandise

  • Accident insurance cover of up to Rs. 2 lakhs

  • Travel insurance cover of up to Rs. 2 lakhs


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
PNB Rakshak Rupay Platinum Card

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

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

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Fees & Charges
  • No joining fee

  • No annual fee ( if card is used once in each quarter) 

  • Cash advance fee: 2% of the cash withdrawn or Rs.150 

  • Interest Rates: 2.95 percent every month 35.89%.p.a. 

  • 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 Fees: 3.5%. 

  • Reward Redemption Fees: NIL

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

30 days

Fees & Charges
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