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PNB EMT RuPay Platinum Credit Card
Punjab National Bank

PNB EMT RuPay Platinum Credit Card

Checked against Punjab National Bank's 3 documents for this card on 03 Nov 2026
COFFER Safety Stars3.5 of 5See the five checks
Interest
0.5 of 1
Foreign spends
0 of 1
Spend fees
1 spend fees · Utility transaction fee1 of 1
Clarity
The bank's documents answer 16 of 16 cost questions1 of 1
Fine print
No gaps found1 of 1

Rated 09 Nov 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate

Open to new applications · Earns points

First-year fee

₹2,000 to join.

Annual fee

₹2,000 a year.

What it gives back

Reward Points: 1 pt on ₹100.

Read from 3 Punjab National Bank documents, last checked 8 Nov 2026.

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How it compares

Compared with the cards we have read

₹2,000 annual fee: of the 447 other open cards whose annual fee we have read, 342 state a lower one, 4 state the same and 101 state a higher one.

3.5% forex markup: of the 480 other open cards whose forex markup we have read, 162 state a lower one and 318 state the same.

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Fees

  • Annual fee

    ₹2000 a year.

  • Joining fee

    ₹2000 to join.

  • Fee waiver rule

    Annual fee will be waived if the annual spends on the card is more than ₹1.00 Lakh in the preceding year

  • Add-on card fee

    Add-on cards: Joining Fee NIL; Annual Fees NIL.

Rewards

  • Reward rate

    Reward Points: 1 pt on ₹100.

  • What one reward unit is worth

    Value of reward points: 1 pt = ₹0.25.

Card benefits

  • Domestic lounge access

    Complimentary Domestic Airport Lounge Access: Domestic — 2 per qtr.

  • International lounge access

    Complimentary International Airport Lounge Access: International — 2 per yr.

  • Hotel or travel programme

    Flat 10% off Upto ₹1,000 on domestic flight bookings; Flat 10% off Upto ₹5,000 on international flight bookings; Flat 20% discount Up to ₹5,000 on domestic hotel bookings; Flat 20% discount Up to ₹10,000 on international hotel bookings (NO MOV)

Also included

  • Surcharge on railway tickets

    IRCTC website: Up to 1.8% of the transaction amount.

  • Insurance benefit

    Insurance Coverage upto ₹2 Lacs for Accidental Death and Personal Total Disability

  • Balance transfer terms

    1% of transfer amount or ₹199/-, whichever is higher.

Charges

  • Forex markup

    3.5% on foreign currency transactions.3.50% markup over and above the currency conversion rate

  • Cash advance fee

    2.5% of cash withdrawn or ₹400 at PNB ATMs (₹500 at other ATMs and overseas), whichever is higher, from 01 November 2026

  • Interest on unpaid balance

    2.95% per month

  • Interest-free period

    20-50 days interest-free when you pay in full.

  • Late payment fee

    Nil for ₹500 or less; ₹500 for ₹501 to ₹1000; ₹750 for ₹1001 to ₹10000; ₹1000 for ₹10001 to ₹50000; ₹1200 above ₹50000, from 01 November 2026

  • Over-limit fee

    Over-limit Fee: The Bank may approve certain transactions attempted by the Cardholder which can breach the Credit Limit, an over limit-fee of 2.5% of the over-limit amount (subject to a minimum of ₹500/-) will be levied.

  • Statement or duplicate statement fee

    ₹50/- for all cards.

  • Card replacement fee

    PNB Metal Credit Card Luxura: All other Financial/Service Charges applicable to the Luxura Credit Card issued against a fixed deposit shall be the same as those applicable to the normal Luxura Credit Card. 12 Card replacement fee (for reasons other than technical defects) ₹200/- per card.

  • Utility transaction fee

    Utility Bill Fee 1% of total amount of Utility Payment, if the total amount exceeds ₹50,000/- in a billing cycle, maximum ₹2000/- per transaction

  • Grace days after the due date

    Customers will be allowed a grace period of 3 days from the payment due date, where payments are not overdue.

Eligibility

  • EligibilityIncome requirement

    Annual income of ₹2.50 Lacs p.a.

Ways to redeem your points

  • Gift vouchers and gift cards

    “1.00 Lakh in the preceding year **Features** **Free interest Period :**20-50 days **Reward Points :**1 pt on Rs 100 **Reward Multiplier :**NA **Value of reward points :**1 pt = Rs.0.25 **Redemption of reward points :**Min.1000 **Other Key Features :**Welcome vouchers worth Rs.” Proof

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How we know - 3 documents from Punjab National Bank, checked 8 Nov 2026

3 documents from Punjab National Bank, checked 8 Nov 2026.

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₹2,000 a year

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