PNB RuPay Platinum Credit Card
Punjab National Bank · Open to apply
PNB's basic RuPay card: no joining fee, a ₹500 annual fee waived if the card is used once every quarter, 1 reward point per ₹100 (₹0.25 a point, so 0.25%), 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
- fuel surcharge waiver band: The fuel surcharge waiver page (undated) gives ₹500 to ₹4,000 for RuPay Platinum; the KFS and MITC of 2 Nov 2026 give more than ₹400 and less than ₹4,000 for all cards. We use the KFS and MITC.
- reward point value: The rewards programme page still says 1 reward point is worth ₹0.50 (and gives a 3-year expiry, as the MITC does); PNB's notice effective 1 Sep 2024 and the MITC give ₹0.25. We use ₹0.25, the later notice.
Terms the calculator does not value
- The ₹500 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 (fuel, rent, wallet loads and similar may not earn).
Sources
- PNB RuPay Platinum Card page (Product page, the bank's own, read 6 Nov 2026)
- PNB Rewardz programme page (Reward terms, the bank's own, read 6 Nov 2026)
- PNB credit card FAQ (PDF of 23 Jul 2024) (FAQ, the bank's own, read 6 Nov 2026)
- PNB Fuel Surcharge Waiver page (Product page, the bank's own, read 6 Nov 2026)