PNB Patanjali RuPay Platinum Credit Card

Punjab National Bank · Open to apply

A RuPay co-brand with Patanjali: ₹500 a year (waived if the card is used once every quarter), 1 reward point per ₹100 (₹0.25 a point, 0.25%), 2% cashback (at most ₹50 a transaction) on Patanjali store spends above ₹2,500, and two domestic lounge visits a quarter plus two international a year.

Annual fee
₹500 + GST a year
Joining fee
None
Base rate
1 reward point per ₹100: 1 PNB Rewardz points per ₹100 (about 0.25% at cash value)
Lounges
Domestic: 2 visits a calendar quarter; International: 2 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Where the sources disagree

  • annual fee: The card page and the MITC give a ₹500 annual fee, waived if the card is used at least once in each quarter of the preceding year. The KFS of 2 Nov 2026 gives nil as the annual fee (no usage condition). We use the card page and MITC.

Terms the calculator does not value

  • The 2% Patanjali store cashback (above ₹2,500, at most ₹50 a transaction) is not valued: the page does not say whether the points are also earned on that spend, or when the cashback is credited, and "over and above ₹2,500" may mean the whole transaction or only the part above ₹2,500.
  • The annual fee is waived if the card is used at least once in every quarter of the preceding year; the calculator charges it.
  • PNB publishes no reward exclusions for this card.

Sources

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