All cards / Punjab National Bank
PNB EMT RuPay Platinum Credit Card
PNB's co-branded RuPay Platinum card with online travel agent EaseMyTrip, aimed at customers who book flights, hotels and buses through the platform. The welcome voucher and booking discounts make it worthwhile if you already use EaseMyTrip regularly, though the annual fee waiver requires meaningful annual spend.
Annual fee
₹2,000
Joining fee
₹2,000
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ✈️ Travel
3% reward rate (capped ₹1,000/monthly) · Complimentary domestic and international airport lounge visits.
- 🏨 Hotel
10% discount on EaseMyTrip flight bookings, plus discounts on hotel and bus bookings.
- 🛡️ Insurance
Insurance cover of up to Rs.2 lakh.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Welcome e-voucher worth Rs.3,000 plus 300+ reward points on activation.
- Complimentary domestic and international airport lounge visits.
- 10% discount on EaseMyTrip flight bookings, plus discounts on hotel and bus bookings.
- Insurance cover of up to Rs.2 lakh.
Pros
- + Rs.3,000 welcome voucher plus activation points
- + Domestic and international lounge access
- + Discounts on EaseMyTrip flight, hotel and bus bookings
- + Annual fee waiver on Rs.1 lakh spend
Cons
- − Booking discounts are only useful if you book through EaseMyTrip
- − Base reward rate outside travel is low
- − Annual fee applies until the waiver threshold is met