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

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

    Key Highlights of the PNB RuPay Platinum Credit Card

    • Get more than 300 reward points on using the card for the first time.
    • Avail a wide range of cashback offers on utility bills, dining expenses, etc.
    • Comprehensive insurance coverage included with the credit card.

    Features and Benefits of the PNB RuPay Platinum Credit Card

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

    PNB RuPay Platinum Credit Card Limit

    The credit limit of your Punjab National Bank RuPay Platinum Credit Card will be assigned by the bank. PNB takes many factors into consideration before assigning a limit such as an applicant’s credit score, past repayment habits, credit utilisation ratio etc.

    PNB RuPay Platinum Credit Card Fees and Charges

    Type of Fee Charge
    Joining fee Nil
    Free interest period 20 – 50 days
    Annual fee Rs.500
    Credit limit over usage 2.5% or Rs.500
    Finance charges 2.95% per month
    Card replacement fee Rs.150
    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
    Minimum amount due 5% of the total amount due
    Duplicate statement fee Rs.50
    Foreign currency transaction 3.50%
    Cash advance 2% of the cash withdrawn or Rs.100 at PNB ATMs (higher amount will be taken)

    Eligibility Criteria for PNB RuPay Platinum Credit Card

    Nationality He or she must be a citizen of India or a non-resident Indian.
    Employment status The primary applicant must have a steady source of income.
    Age The applicant must be least 18 years old.
    Credit Score An ideal CIBIL score is a major factor in getting the application approved.

    Documents Required for the PNB RuPay Platinum Credit Card

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

    FAQs

    1. Is there an annual fee waiver for the PNB RuPay Platinum Credit Card?

      Yes, the annual fee of Rs.500 will be waived off if the card is used at least once every 3 months.

    2. Can I apply for the PNB RuPay Platinum Credit Card online?

      Yes, you can visit the official website of PNB Cards and apply for the RuPay Platinum Credit Card online.

    3. Will there be a fuel surcharge waiver with the PNB RuPay Platinum Credit Card?

      Yes, the fuel surcharge of 1% on transactions will be waived off on all fuel purchases. The maximum waiver will be capped at Rs.250 per billing cycle.

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