Welcome Benefit: Users will receive 300+ reward points on 1st usage.; No annual and joining fee ( if the card is used once a quarter).
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PNB RuPay Platinum Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will receive 300+ reward points on 1st usage.; No annual and joining fee ( if the card is used once a quarter).
Milestone Benefits
None.
Cashback Rate
Users will get 1 reward point per INR 100 spent.
The value of 1RP= INR 0.50.
Effective Cashback Rate= 0.5%.
Movie Benefits
None.
Dining Benefits
Exclusive cashback on utility bills, eateries and restaurants etc, from time to time.
Other Benefits
No annual and joining fee ( if the card is used once a quarter).
Comprehensive insurance coverage.
24/7 concierge services
Convenient mobile app "PNB GENIE".
300+ merchant offers are available for customers.
Lounge Access
2 free domestic lounge visits per quarter.
2 free international lounge visits per year.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will receive 300+ reward points on 1st usage.; No annual and joining fee ( if the card is used once a quarter).
Milestone Benefits
None.
Cashback Rate
Users will get 1 reward point per INR 100 spent.
The value of 1RP= INR 0.50.
Effective Cashback Rate= 0.5%.
Movie Benefits
None.
Dining Benefits
Exclusive cashback on utility bills, eateries and restaurants etc, from time to time.
Other Benefits
No annual and joining fee ( if the card is used once a quarter).
Comprehensive insurance coverage.
24/7 concierge services
Convenient mobile app "PNB GENIE".
300+ merchant offers are available for customers.
Lounge Access
2 free domestic lounge visits per quarter.
2 free international lounge visits per year.
Fees & Charges of
PNB RuPay Platinum Credit Card
Joining Fee
No annual and joining fee ( if card is used one in a quarter)
Annual Fee
Nil
Cash Advance Fee
Cash advance fee: 2.5% or a minimum of Rs.500.
Interest rate
Interest Rates: 2.95 percent every month
Late Payment Fee
Late payment fee- 30% of the minimum amount due or a minimum of Rs.500 / billing cycle.
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: NIL
Joining Fee
No annual and joining fee ( if card is used one in a quarter)
Annual Fee
Nil
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 2.95 percent every month
Late Payment Fee
Late payment fee- 30% of the minimum amount due or a minimum of Rs.500 / billing cycle.
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: NIL
Fee and Charges of
PNB RuPay Platinum Credit Card
Special Features
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.
Eligibility Criteria
Complimentary domestic and international lounge access benefit.
Speical Feature, Eligibility and Benefits of
PNB RuPay Platinum Credit Card
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 of
PNB RuPay Platinum Credit Card
Find Offers on Your Credit Card
Find Offers on Your 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.
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
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai