Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • PNB Rakshak RuPay Platinum Credit Card

    The Rakshak RuPay Platinum Credit Card by Punjab National Bank (PNB) co-partnered card with RuPay. This PNB credit card offers many benefits to the cardholder which includes insurance benefits, reward points, cashback benefits. The card has no joining fee and a minimal annual fee of Rs.500 and comes with an interest rate of 2.95% per month.

    Key Highlights of the PNB Rakshak RuPay Platinum Credit Card

    • Cashback offered on payment of utility bills, dining expenses, etc.
    • Insurance coverage included with the card.
    • Get 300 reward points on your first transaction made with the card.

    Features and Benefits of the PNB Rakshak RuPay Platinum Credit Card

    Reward Point Benefits
    • Avail 300 reward points on your first transaction.
    Insurance Benefits
    • Get a comprehensive insurance package.
    Cashback Benefits
    • Get cashback benefits on paying your utility bills and dining expenses
    Fuel Surcharge Benefits
    • 1% fuel surcharge will be waived on all transactions.

    PNB Rakshak RuPay Platinum Credit Card Limit

    The credit limit of the Punjab National Bank Rakshak RuPay Platinum Credit Card is assigned by the bank. The Punjab National Bank considers many factors before assigning a limit such as the credit score of the primary applicant, credit utilisation ratio, past repayment habits, etc.

    PNB Rakshak RuPay Platinum Credit Card Fees and Charges

    Type of Fee Charge
    Joining fee Nil
    Finance charges 2.95% per month
    Annual fee Rs.500
    Card replacement fee Rs.150
    Free interest period 20 – 50 days
    Credit limit over usage 2.5% or Rs.500
    Minimum amount due 5% of the total amount due
    Foreign currency transaction 3.50%
    Late payment fee
    • If Rs.100 or Less – Nil
    • Between Rs.101 to Rs.1,000 - Rs.200
    • Rs.1,001 to Rs.5,000 - Rs.500
    • Rs.5,001 to Rs.10,000 - Rs.600/-
    • Above Rs.10,000 - Rs.750
    Cash advance 2% of the cash withdrawn or Rs.100 at PNB ATMs (higher amount will be taken)
    Duplicate statement fee Rs.50

    Eligibility Criteria for PNB Rakshak RuPay Platinum Credit Card

    Employment status The primary applicant must have a steady source of income.
    Age The primary applicant must be least 18 years old.
    Nationality He or she must be a citizen of India or a non-resident Indian.
    Credit Score An ideal CIBIL score is important to apply for a credit card.

    Documents Required for the PNB Rakshak RuPay Platinum Credit Card

    Proof of Address Income Proof Identity Proof
    Voter ID Salary Slips Driving License
    Aadhaar Card IT Return Voter ID
    Passport Form 16 Aadhaar Card
    Ration Card - -

    FAQs

    1. How can I redeem the reward points earned?

      You can redeem your reward points by logging in to your net banking account and choose the ‘rewardz’ option on the menu. Your total points will be displayed and can be redeemed in exchange for various products.

    2. Is there a joining fee for the PNB Rakshak RuPay Platinum Credit Card?

      No, there is no joining fee of the PNB Rakshak RuPay Platinum Credit Card.

    3. Can I activate my PNB Rakshak RuPay Platinum Credit Card online?

      Yes, you can log in to your net banking account and register your card using the card details and PIN. Once the details are entered, your card will be registered.

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