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.
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 whose spend is concentrated in utilities, dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 0.25% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter
- International lounge access: 2 complimentary international lounge visits per year
Benefits by category
- 🍽️ Dining & food delivery
Cashback offers on utility bill payments and dining spends
- ✈️ Travel
Complimentary domestic and international airport lounge access
- 🛡️ Insurance
Comprehensive insurance coverage
- ⛽ Fuel
1% fuel surcharge waiver on ₹500–₹4,000 transactions, capped at ₹250/cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 35.89% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹350 per statement cycle
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