Skip to content
COFFERCards. Points. Value.
Back
PNB Patanjali RuPay Platinum Card
Punjab National Bank

PNB Patanjali RuPay Platinum Card

Checked against Punjab National Bank's 4 documents for this card on 02 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 reward point

First-year fee

₹0

Annual fee

₹0

What it gives back

1 reward point per ₹100 · everyday spends

Read from 4 Punjab National Bank documents, last checked 9 Nov 2026.

Apply on Punjab National Bank
How it compares

Compared with the cards we have read

No annual fee: one of 130 cards that state none, out of the 448 open cards whose annual fee we have read.

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.

Get alerts for this card

Fees

  • Joining feeAnnual fee

    ₹0

  • Add-on card fee

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

Welcome offer

  • Welcome benefit

    300+ Reward Points on first usage.

Rewards

  • Reward rate

    1 reward point per ₹100 · everyday spends1 reward point on every ₹100.

  • What one reward unit is worth

    Value of reward points: 1 pt = ₹0.25.

Card benefits

  • Domestic lounge access

    Complimentary Airport Lounge Access: Domestic — 2 per qtr.

  • International lounge access

    Complimentary Airport Lounge Access: International — 2 per yr.

Also included

  • Surcharge on railway tickets

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

  • 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    2.5% of cash withdrawn or ₹400 at PNB ATMs (₹500 at other ATMs and overseas), whichever is higher, from 01 November 2026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, applicable only on retail purchases and if the previous month’s balance has been cleared 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.

  • Reward redemption fee

    ₹99 per redemption request, from 01 November 2026

  • Utility transaction fee

    1% of total amount of Utility Payment if the total amount exceeds ₹50,000 in a billing cycle, maximum ₹2000 per transaction, from 01 November 2026

  • 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.

  • Minimum amount due

    Minimum Amount Due: The Minimum Amount Due shall be 5% of the outstanding amount or such other amount as may be determined by PNB at its sole discretion.

Eligibility

  • Income requirement

    Annual income of ₹2.50 Lacs p.a.

Points expiring? Use Expiry Rescue

How we know - 4 documents from Punjab National Bank, checked 9 Nov 2026

4 documents from Punjab National Bank, checked 9 Nov 2026.

On these lists

Apply on Punjab National Bank

₹0 for life

Apply

The Sunday Statement.

Every Sunday. What your bank changed this week — before your statement tells you.