PNB Patanjali RuPay Platinum Credit Card

The entry Patanjali co-brand from PNB: no joining fee, a ₹500 annual fee waived on quarterly usage, 1 point per ₹100 and a capped 2% cashback on larger Patanjali purchases. For an income bar of ₹2.5 lakh a year, its lounge allowance is generous.

Annual fee

₹500

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. It's worth the annual fee mainly if your points value clears it.

Rewards & benefits

Rewards rate: 0.25% base rate
Reward redemption: Points redeemable (minimum 1,000 points) at 1 point = ₹0.25
Domestic lounge access: 2 complimentary domestic lounge visits per quarter
International lounge access: 2 complimentary international lounge visits a year
Insurance benefits: Personal accident insurance of ₹2 lakh

Benefits by category

✈️ Travel
2 domestic lounge visits per quarter and 2 international visits a year
🌍 Forex / international spend
3.5% forex markup on international transactions

Eligibility

Minimum monthly income: ₹20,833
Employment: salaried, self-employed

Fees & charges

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Cash advance charges: 2% of amount withdrawn, minimum ₹100 at PNB ATMs, ₹150 at other domestic ATMs, ₹250 overseas; interest at 2.95% p.m. from the date of withdrawal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

2% cashback on transactions above ₹2,500 at authorised Patanjali stores/website, capped at ₹50
300+ reward points on first use
2 domestic lounge visits per quarter and 2 international visits a year

Pros

+ No joining fee; annual fee waived on at least one use per quarter
+ Low ₹2.5 lakh annual income requirement
+ Domestic and international lounge visits

Cons

− 0.25% base reward rate
− Patanjali cashback capped at ₹50 per transaction
− 3.5% forex markup

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Best for

RuPay credit cards