All cards / Punjab National Bank
Punjab National Bank
PNB Rakshak RuPay Platinum Credit Card
RuPay
PNB Rakshak RuPay Platinum Credit Card
A defence-focused RuPay card for PNB Rakshak Plus scheme members (armed forces, paramilitary, police) — zero fee as long as the card is used at least once a quarter.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🛡️ Insurance
Comprehensive insurance benefits for defence, paramilitary and police personnel
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried
- Age: 18–70
Benefits
- 300+ reward points on first retail/online transaction within 90 days
- Comprehensive insurance benefits for defence, paramilitary and police personnel
- Access to 300+ RuPay merchant offers
Pros
- + Zero joining/annual fee (with quarterly usage)
- + Exclusive to defence/paramilitary/police personnel via PNB Rakshak accounts
- + 300+ RuPay merchant offers
Cons
- − Only available to PNB Rakshak Plus account holders — branch visit required, no online application
- − Annual fee waiver requires at least one transaction every quarter