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Punjab & Sind Bank
Punjab & Sind Bank RuPay Platinum Credit Card
RuPay
Punjab & Sind Bank RuPay Platinum Credit Card
A lifetime-free PSU RuPay entry card with no meaningful rewards beyond a flat token rate — a basic UPI-linkable card rather than a rewards play.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.25%
Card network
RuPay
Card tier
Entry
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹12,000
- Employment: salaried, self-employed
Benefits
- 1% fuel surcharge waiver, capped at ₹250 per billing cycle
- Personal accident insurance cover of ₹1 lakh (NPCI RuPay Platinum)
Pros
- + Lifetime free — no joining or annual fee
- + Low income/credit-score bar
- + Fuel surcharge waiver and NPCI accident cover
Cons
- − Negligible reward rate
- − No lounge access or category bonuses
Applying takes you to Punjab & Sind 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.