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Punjab National Bank · RuPay

PNB RuPay Platinum Credit Card

1 Reward Point per ₹100 on eligible card spends; 300 Reward Points on the first eligible transaction

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SegmentEntry
Joining feeNil
Annual fee₹500 + applicable taxes
Reward typeReward Points

Reward categories

Eligible retail spends1 Reward Point per ₹100

The current PNB rewards page does not publish a card-specific exclusion list.

Welcome & milestones

Welcome

  • 300 Reward PointsFirst retail or online transaction within 90 days of receiving the card

Milestones

None listed in the imported record.

Lounge rules

Domestic: The current issuer product page advertises complimentary domestic lounge access but does not publish a visit count or qualifying-spend rule

International: The current issuer product page advertises complimentary international lounge access but does not publish a visit count or qualifying-spend rule

No unsupported NPCI BMS threshold or visit quota is encoded because PNB's current official product, KFS and MITC material reviewed here does not state one. Cardholders should confirm current eligibility with PNB before visiting a lounge.

Eligibility

Age

    Income

      Employment

        Documents

        • Approval and assigned limit are subject to Punjab National Bank's credit assessment

        Other benefits

        • PNB publishes a credit-limit range of ₹10,000 to ₹5,00,000 for RuPay Platinum
        • RuPay credit card can be linked to UPI for eligible person-to-merchant transactions
        • Comprehensive insurance coverage and 24/7 concierge are advertised, subject to applicable policy and service terms
        • 300+ merchant offers
        • Reward Points expire 3 years after accrual and at least 1,000 points are required for redemption

        Exclusions

        Cash withdrawals do not receive an interest-free periodReward Points attached to a transaction are reversed if that transaction is converted to EMIPNB's current rewards page does not publish a RuPay Platinum reward-exclusion list; no seed exclusions were assumed

        Recent changes

        No effective-dated changes are currently recorded.

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