Punjab National Bank RuPay Platinum Credit Card
Punjab National Bank · RuPay
Why this card?
- 0.25% back in reward points on eligible spends
- ₹500 annual fee
- 8 domestic and 2 international airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- Punjab National Bank
- Network
- RuPay
- Annual Fee
- ₹500
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 0.25% on all eligible spends
- Forex Markup
- 3.5%
- Domestic Lounge
- 8/yr
- Min. Monthly Income
- ₹20,833
- Rates verified
- 2026-10-06
Our verdict
PNB RuPay Platinum is a low-fee RuPay card from Punjab National Bank. Two domestic lounge visits a quarter (8 a year) plus 2 international visits a year are a meaningful add-on at a ₹500 annual fee and no joining fee. For PNB account holders in Tier 2/3 cities where RuPay acceptance is excellent, this card covers everyday needs without complexity.
Pros
- 2 domestic lounge visits per quarter and 2 international visits a year at a ₹500 annual fee
- 1% fuel surcharge waiver
- No joining fee; annual fee waived when the card is used at least once each quarter
- RuPay wide domestic acceptance
Cons
- Low reward earn rate — 1 point per ₹100, about 0.25% back
- RuPay — limited international acceptance
- Government bank customer service can be slow
- Limited premium benefits