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PNB BLISS RuPay Platinum Credit Card
RuPay
PNB BLISS RuPay Platinum Credit Card
PNB's BLISS is a lifestyle-focused RuPay Platinum card whose value comes from quarterly vouchers (Nykaa, Ola/Uber, BookMyShow) and memberships, not points: it earns just 1 point per ₹100 (0.25%). The ₹510 annual fee is waived on ₹1 lakh yearly spend, so it suits PNB customers earning ₹3.6 lakh a year who will use the vouchers.
Annual fee
₹510
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Quarterly BookMyShow voucher (₹250 off); 3-month Swiggy One membership
- Rewards rate: 0.25% base rate
- Reward redemption: Points redeemable (minimum 1,000 points) at 1 point = ₹0.25
- Domestic lounge access: 4 complimentary domestic airport lounge visits a year (1 per quarter)
- International lounge access: 1 complimentary international airport lounge visit a year
- Insurance benefits: Personal accident and permanent total disability cover of ₹2 lakh
Benefits by category
- ✈️ Travel
4 domestic (1 per quarter) and 1 international lounge visit a year
- 🛡️ Insurance
Personal accident cover of ₹2 lakh
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 2.95% p.a.
- Fuel surcharge waiver: 1% fuel surcharge refund on fuel transactions between ₹400 and ₹4,000, capped at ₹350 per statement cycle
- Cash advance charges: 2% of amount withdrawn, minimum ₹100 at PNB ATMs, ₹150 at other domestic ATMs, ₹250 overseas; interest at 2.95% p.m. from the date of withdrawal
Benefits
- Quarterly vouchers: Nykaa ₹500, Ola/Uber ₹100 and ₹250 off on BookMyShow
- 12-month Gaana Plus and 3-month Swiggy One memberships, annual health check-up and 20% off at Netmeds
- 4 domestic (1 per quarter) and 1 international lounge visit a year
- Personal accident cover of ₹2 lakh
Pros
- + Quarterly Nykaa, Ola/Uber and BookMyShow vouchers can outweigh the fee
- + Low ₹510 annual fee, waived on ₹1 lakh spend
- + Domestic and international lounge access at an entry price point
- + RuPay, so it works for UPI payments
Cons
- − Reward rate is only 0.25%
- − 3.5% forex markup
- − Joining fee of ₹510 applies to existing PNB cardholders switching to this variant