All cards / Punjab National Bank
PNB RuPay Platinum Credit Card
PNB's no-joining-fee entry RuPay card offering complimentary lounge access and basic insurance, aimed at first-time cardholders.
Rates and fees last verified 19 July 2026.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Eligibility
- Employment: salaried, self-employed
- Age: 21–70
Benefits
- Complimentary domestic and international airport lounge access
- 300+ reward points on first retail/online transaction within 90 days
- 1% fuel surcharge waiver on ₹500–₹4,000 transactions, capped at ₹250/cycle
- Comprehensive insurance coverage
- 24/7 concierge services
- Cashback offers on utility bill payments and dining spends
Pros
- + Zero joining fee
- + Complimentary domestic and international lounge access
- + Comprehensive insurance and 24/7 concierge
Cons
- − High revolving interest rate (35.89% APR)
- − Low base reward rate with no disclosed bonus categories
Applying takes you to Punjab National Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.