PNB Platinum Credit Card for Indian Army
Punjab National Bank · Open to apply
A lifetime-free Visa or RuPay Platinum card for Indian Army JCOs and other ranks: 3% cashback on CSD canteen spends (up to ₹1,500 a billing cycle), 2 reward points per ₹100 elsewhere, four domestic lounge visits and one international a year.
- Annual fee
- Lifetime free
- Joining fee
- None
- Base rate
- 2 reward points per ₹100: 2 PNB Rewardz points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 4 visits a calendar year; International: 1 visit a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 3% cashback on CSD spends: 3% cashback (about 3% at cash value)
Where the sources disagree
- fuel surcharge waiver minimum: The card page says the fuel surcharge waiver applies above ₹500 and below ₹4,000; the KFS and MITC of 2 Nov 2026 say above ₹400 for all cards. We use the card page.
Terms the calculator does not value
- Spend milestones of 2,500 points at ₹2.5 lakh, 5,000 at ₹5 lakh and 7,500 at ₹7.5 lakh (worth ₹625, ₹1,250 and ₹1,875) are not entered: the page does not say over what period the spend is counted or whether they add up.
- The restricted MCCs that earn no reward points are not listed. The MITC says the bank is not responsible for cashback not credited because of incorrect MCC mapping of a CSD canteen.
Sources
- PNB Platinum for Indian Army Card (RuPay/VISA) page (Product page, the bank's own, read 6 Nov 2026)
- PNB Fuel Surcharge Waiver page (Product page, the bank's own, read 6 Nov 2026)