PNB RuPay Platinum Card

Checked against Punjab National Bank's 3 documents for this card on 02 Nov 2026

COFFER Safety Stars3.5 of 5See the five checks

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

₹500 a year.

Rs. 500; waived if the card is used at least once in each quarter of the preceding year

What it gives back

1 reward point per ₹100 · everyday spends

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

How it compares

Compared with the cards we have read

₹500 annual fee: of the 447 other open cards whose annual fee we have read, 208 state a lower one, 33 state the same and 206 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.

Fees

Annual feeRenewal fee
₹500 a year.Rs. 500; waived if the card is used at least once in each quarter of the preceding year
Joining fee
₹0
Fee waiver rule
Annual Fee shall be waived in case the card is used at least once in each quarter in the preceding year
Add-on card fee
Annual fees – Add-on Card Nil.

Welcome offer

Welcome benefit
300 reward points on first swipe within 90 days of receiving the Credit Card

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.
Insurance benefit
Personal accidental insurance of 2 Lacs.
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2.5% of cash withdrawn or ₹400 at PNB ATMs (₹500 at other ATMs and overseas), whichever is higher, from 01 November 2026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.

Eligibility

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

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

On these lists

₹500 a year

Apply

The Sunday Statement.

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