Core Rewards :
  • 1%
Milestone Rewards :
  • Monthly : N/A
  • Quaterly : N/A
  • Annual : N/A
No rewards on spends : Jewelry purchases, fuel transactions, and cash withdrawals.
Rewards Redemption
How to Redeem :
  • Redeem RPs on Gift Voucher, Recharge, Travel Booking
Redemption options : Gift Voucher, Recharge, Travel Booking
Redemption fee : NIL
Transfer partners : N/A
Complementary Benefits
Lounge access :
  • Domestic Lounge : 2 per quarter
  • International Lounge : 2 per quarter
  • Railway Lounge : N/A
Insurance Benefits :
  • Lost card liability : N/A
  • Personal accidental insurance : 2,00,000
  • Air accidental insurance : N/A
Other Benefits :
  • Lounge Membership : N/A
  • Memberships Available With Cards : N/A
  • Spa Benefits : N/A
Golf Benefits :
  • Lessons : N/A
  • Games : N/A
Joining fees : 0
Annual fees : 500
Welcome Benefits : 300 bonus Reward Points after first transaction within 90 days.
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 3.50%
Fee reversal criteria : Use it once per quarter for annual fee waiver (No minimum spends criteria).
Minimum age : 21
Minimum ITR : 2.5L
Minimum Salary : 21,000

PNB Rupay Platinum Credit Card Welcome Benefits

  • The PNB RuPay Platinum Credit Card offers a welcome benefit of 300 Reward Points (RPs) to its cardholders.

PNB Rupay Platinum Credit Card Reward Points/Cashback

  • Core Rewards: 1% cashback on card spends.
  • No specific milestone rewards, and no rewards for jewelry purchases, fuel, or cash withdrawals.
  • Earn 1 Reward Point for every Rs. 100 spent.
  • Redeem Reward Points through the PNB Rewardz website at the rate of 1 Reward Point = Rs. 0.50.
  • Enjoy complimentary airport lounge access every year.
  • No specific golf benefits.
  • Access up to 2 complimentary domestic airport lounges and 2 international lounges every quarter.
  • Provides insurance coverage for personal accidents.
  • Zero Liability Protection for unauthorized transactions when reported promptly.

PNB Rupay Platinum Credit Card Reward Point Redemption

  • Log in to the PNB Rewardz website.
  • Explore various redemption options, including Gift Vouchers, Mobile Recharge, and Travel Booking.
  • Redeem your Reward Points against the products or categories of your choice.
  • The redemption rate is 1 Reward Point = Rs. 0.50.
  • Ensure you have a minimum of 500 Reward Points for redemption.
  • Enjoy the benefits of your redeemed points with your preferred choice of rewards.

Pros of PNB Rupay Platinum Credit Card

  • N/A

Cons of PNB Rupay Platinum Credit Card

  • N/A

PNB Rupay Platinum Credit Card Benefits

  • PNB RuPay Platinum Credit Card provides 2 domestic and 2 international lounge visits per quarter.
  • Cardholders receive 300 bonus Reward Points on their first retail/online transaction within the first 90 days.
  • Enjoy 2 complimentary domestic/international airport lounge visits every quarter (8 per year).
  • The card includes accidental insurance coverage worth Rs. 2 lakhs.
  • Cardholders have access to 24*7 concierge services for various assistance.
  • Receive a 1% fuel surcharge waiver at Indian fuel stations for transactions between Rs. 500 and Rs. 3,000, with a maximum waiver of Rs. 250 per month.

PNB Rupay Platinum Credit Card Charges and Fee

  • Annual Fee: Rs. 500.
  • Over-Limit Fee: Varies based on outstanding balance.
  • Foreign Transaction Fee: 3.5% of the transaction amount.
  • Late Payment Charges: Vary based on the outstanding amount.

Frequently Asked Questions

  • Q: How can I apply for the PNB Rupay Platinum Credit Card?
    A: You can apply for the PNB Rupay Platinum Credit Card through the PNB website or by visiting a branch.
  • Q: What is the eligibility criteria for this card?
    A: The eligibility criteria typically include a minimum age, income requirement, and credit score. Check with PNB for specific criteria.
  • Q: Can I get my annual fee waived?
    A: The annual fee for this card is Rs. 500 and may not be waived.