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PNB RuPay Platinum Credit Card

Product Details
Credit Card Name : 

PNB RuPay Platinum Credit Card

Bank Name :

Punjab National Bank

Type :

Shopping Credit Card

Interest Rate : 

2.95% per month

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 RuPay Platinum Credit Card
Pros
  • No annual and joining fee ( if card is used one in a quarter) 

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

  • Exclusive cash back in utility bills, eateries and restaurants etc. 

  • Comprehensive insurance coverage. 

  • 24/7 concierge services 

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

  • 300+ merchant offers available for customers 

  • Complimentary Domestic and International lounge access benefit

Cons
  • High interest rate (2.95% per month) 

  • Minimum credit card limit of Rs. 25,000 Not accepted at all merchants

Pros & Cons
Welcome Benefits
300+ reward points on 1st usage
Rewards System
  • 1 Reward Points per Rs. 100 spent 

  • 1RP= Rs. 0.50. 

  • Effective cashback rate= 0.5%

International Forex Markup
3.5% on all foreign currency transactions
Welcome Benefits and Reward System
Special Features
Complimentary Domestic and International lounge access benefit
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


  • You'll typically earn reward points on all your spending, with the rate varying depending on the card and category of spending.

  • You can redeem these points for various rewards, such as travel vouchers, merchandise, gift cards, or even statement credits.

  • You may also enjoy benefits like complimentary add-on cards, mobile app access for managing your account, and discounts on various partner brands.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Visit the PNB Cards website and click on the "Apply Online" button. 

  • Select the PNB 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 bank will review your application and get in touch with you if you are approved for the card. 

  • The required documents for applying for a PNB 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 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 RuPay Platinum Credit Card

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. 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.

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 annual and joining fee ( if card is used one in a quarter) 

  • Cash advance fee: 2.5% or a minimum of Rs.500. 

  • Interest Rates: 2.95 percent every month 

  • Late payment fee- 30% of the minimum amount due or a minimum of Rs.500 / billing cycle. 

  • 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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