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.
|Reward Point Benefits||
|Fuel Surcharge Benefits||
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.
|Type of Fee||Charge|
|Free interest period||20 – 50 days|
|Credit limit over usage||2.5% or Rs.500|
|Finance charges||2.95% per month|
|Card replacement fee||Rs.150|
|Late payment fee||
|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|Cash advance||2% of the cash withdrawn or Rs.100 at PNB ATMs (higher amount will be taken)|
|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.|
|Income Proof||Proof of Address||Identity Proof|
|IT Return||Ration Card||Aadhaar Card|
|Salary Slips||Aadhaar Card||Voter ID|
|Form 16||Passport||Driving License|
Yes, the annual fee of Rs.500 will be waived off if the card is used at least once every 3 months.
Yes, you can visit the official website of PNB Cards and apply for the RuPay Platinum Credit Card online.
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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