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Punjab National Bank
PNB SALARY RuPay Platinum Credit Card
RuPay
PNB SALARY RuPay Platinum Credit Card
A no-fee RuPay Platinum card reserved for PNB salary account holders under the EXCEL scheme; it stays free as long as salary keeps being credited. Points are minimal (0.25%), but quarterly Myntra and Ola/Uber vouchers, an OTT membership and domestic plus international lounge visits make it a solid free card.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to salaried applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.25% base rate
- Reward redemption: Points redeemable (minimum 1,000 points) at 1 point = ₹0.25
- Domestic lounge access: 4 complimentary domestic lounge visits a year (1 per quarter)
- International lounge access: 1 complimentary international lounge visit a year
- Insurance benefits: Personal accident insurance up to ₹2 lakh
Benefits by category
- ✈️ Travel
4 domestic and 1 international lounge visit a year
- 🛡️ Insurance
Personal accident cover up to ₹2 lakh
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried
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- Cash advance charges: 2% of amount withdrawn, minimum ₹100 at PNB ATMs, ₹150 at other domestic ATMs, ₹250 overseas; interest at 2.95% p.m. from the date of withdrawal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
- Quarterly Myntra ₹250 and Ola/Uber ₹100 vouchers; annual spa session and health check-up; Zee5/SonyLiv OTT membership
- 4 domestic and 1 international lounge visit a year
- Personal accident cover up to ₹2 lakh
Pros
- + No joining or annual fee while your salary is credited to PNB
- + Quarterly Myntra and Ola/Uber vouchers plus an OTT membership
- + Includes an international lounge visit, rare for a free card
Cons
- − Only for PNB EXCEL salary account holders
- − 0.25% reward rate
- − No add-on cards