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PNB
Platinum
•••• •••• •••• 0000
Platinum
RuPayPunjab National Bank • RuPay• Platinum
Annual Fee
Free
Base Reward Rate
0.25%
Foreign Tx Fee
3.5%
Tier
Platinum
Joining Fee
Free
Verified
2026-05-28
Domestic & international access details and eligibility criteria
✓ No activation spend required — access is unconditional.
2 complimentary domestic airport lounge visits per quarter (8/year) via RuPay Platinum lounge program. No activation spend required.
Estimate annual rewards based on your typical monthly spend
Annual earnings
₹1,470
Blended 0.24% effective return
Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.
PNB RuPay Platinum Credit Card. ₹0 joining; ₹500 annual fee — **WAIVED on just one transaction per quarter**. Welcome benefit: 300 RP on first swipe (within 90 days of card set-up). +50 RP one-time bonus on E-bill registration. Rewards: 1 RP per ₹100 retail; 1 RP = ₹0.25 (redeem via PNB Rewardz; min 500 RP for redemption; 3-year validity). **No rewards on jewelry purchases, fuel, or cash withdrawals.** **Lounge access:** 2 complimentary domestic lounges/quarter + **1 complimentary international lounge visit/year** (RuPay Platinum program). Insurance: ₹2 Lakh accidental personal accident cover. Zero liability on lost card (after reporting). 24×7 concierge (1800-2100-131) — dining/flowers/event bookings/pre-trip/flight & hotel/emergency medical. Fuel surcharge waiver: 1% on ₹500-3,000 txns, max ₹250/month. Forex 3.5%. Interest 2.95%/month. Cash advance: 2% min ₹100 (PNB ATMs), ₹150 (other), ₹250 (overseas). UPI-on-RuPay enabled. Eligibility: 21-65 yrs (primary), ₹5L+ annual income, 10th-pass/literate. Up to 2 add-on cards.
✓ No activation spend required — access is unconditional.
1 complimentary international airport lounge visit per year via RuPay Platinum lounge program.
Excluded categories