PNB Patanjali RuPay Platinum Card: Features & Benefits

Summary

The PNB Patanjali RuPay Platinum Card is a credit card issued by Punjab National Bank (PNB) in association with Patanjali to provide several benefits and features to the customers. One of the most prominent features of the card is that it is on the RuPay network, which provides safe and easy transactions throughout India. This card offers various special offers and deals, especially for the health and wellness sector, which are consistent with the theme of the Patanjali brand.

The customers are provided cashback points and offers on Patanjali products, hence making it a great choice for customers who regularly buy Ayurvedic and natural products. Numerous lifestyle rewards are provided by the card, such as dining coupons, fuel surcharge rebates, etc. Reward points are also earned by cardholders on each purchase transaction, which can be used for thrilling rewards and discounts on numerous shopping platforms.

The Patanjali RuPay Platinum Card also features a contactless payment facility, giving one the convenience and speed of transaction. It also carries a useful mobile app to aid in tracking one’s expenses, rewards, and card balance.

Introduction

The PNB Patanjali RuPay Platinum Card is a special credit card launched in collaboration with Punjab National Bank and Patanjali Ayurveda. The Punjab National Bank Patanjali RuPay Platinum Card is a great option for those who prefer health and indigenous products, along with savings on their daily purchases. This Card can be used to shop at Patanjali stores and other places where you get cashback and other special discounts.

Through the Punjab National Bank Patanjali RuPay Platinum Card, not only can you avail yourself of special discounts on Patanjali products, but you can also ensure that you are managing your needs as well as your budget in a better way. The PNB Patanjali RuPay Platinum Card also offers features like lifestyle benefits, health checkups, and insurance, making it a very valuable option.

The Punjab National Bank Patanjali RuPay Platinum card is especially beneficial for those who believe in Patanjali products and are looking for an affordable credit card. Apart from this, the Punjab National Bank Patanjali RuPay Platinum card has been introduced through the RuPay network to promote digitization in India, which facilitates safe and easy transactions.

In today’s article, we will discuss in detail the Punjab National Bank Patanjali RuPay Platinum Card. In this article, we will tell you in detail about its benefits. So read this article till the end so that you do not have any problem later.

What is the PNB Patanjali RuPay Platinum Card?

The platinum card is a high-end credit card launched jointly by Patanjali Ayurveda and Punjab National Bank (PNB). The Punjab National Bank Patanjali RuPay Platinum card is customized particularly for buyers of Patanjali products preferring local stuff. The PNB Patanjali RuPay Platinum card operates on the RuPay network, India’s domestic payment network.

With the Punjab National Bank Patanjali RuPay Platinum card, you can shop at Patanjali stores and beyond, and apart from this, you also receive cashback, discounts, and offers. Apart from this, there are various benefits associated with the Punjab National Bank Patanjali RuPay Platinum card, like insurance coverage, health checkup benefits, and lifestyle benefits.

What is the design of the PNB Patanjali RuPay Platinum Card?

The design of the Platinum card is quite stylish and simple. The Punjab National Bank Patanjali RuPay Platinum card features both the Patanjali Ayurveda logo and the Punjab National Bank (PNB) logo, clearly indicating the collaboration between the two brands. The Punjab National Bank Patanjali RuPay Platinum card has predominantly green and white colours, which matches Patanjali’s idea of ​​natural and indigenous products.

Apart from this, the RuPay logo is also displayed on the card, which establishes that it is connected to India’s home payment system. The overall design is simple, clean, and good-looking, which, apart from making it look beautiful, also makes it convenient and easy to handle.

What are the benefits of the PNB Patanjali RuPay Platinum Card?

The advantages of the Platinum card are:

1. Lifestyle Benefits:

• Fuel Surcharge Waiver: You get the privilege of a 1% fuel surcharge waiver at the time of filling fuel using the Punjab National Bank Patanjali RuPay Platinum card.

• Airport Lounge Access: Enjoy a complimentary visit to lounges of some domestic and international airports with a PNB Visa Signature card. By which your travel is made easy going.

• Insurance: You also enjoy the benefit of insurance with the PNB Visa Signature card. In case of an untimely death in an accident, you are eligible to claim the insurance benefit.

2. Reward & Cashback Benefits:

• Welcome Benefit: As a welcome benefit of the PNB Patanjali RuPay Platinum card, you get 300 reward points.

• Reward Points: You get 2 reward points on a purchase of Rs 150 made using a PNB Patanjali RuPay Platinum card. Which you can also redeem subsequently.

• Patanjali Cashback: In case you purchase Rs 2,500 worth of goods from a Patanjali store by using a PNB Patanjali RuPay Platinum card, then you get 2% cashback.

3. Other Benefits:

• Add-on Card: With the PNB Patanjali RuPay Platinum card, you also enjoy the facility of an add-on card, under which you can also add your members to the PNB Patanjali RuPay Platinum card.

• Zero Annual Fee: With the PNB Patanjali RuPay Platinum card, you do not have to pay an annual fee.

What are the PNB Patanjali RuPay Platinum Card fees?

Here is a simple Patanjali RuPay Platinum Card fee breakup.

Joining Fee	Nil
Annual Fee	Nil
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, there is a 2.95 % per month (42% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a PNB Patanjali RuPay Platinum Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the Punjab National Bank Patanjali RuPay Platinum Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1,00,000 is usually the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. Punjab National Bank favors borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get a PNB Patanjali RuPay Platinum Card?

The documents that you will have to submit to Get a Patanjali RuPay Platinum Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the PNB Patanjali RuPay Platinum Card be used?

Here is the list of places where you can use it:

• With the Punjab National Bank Patanjali RuPay Platinum Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• The Punjab National Bank Patanjali RuPay Platinum Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the PNB Patanjali RuPay Platinum Card?

The credit amount you can spend is what you are provided with a Punjab National Bank Patanjali RuPay Platinum Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a PNB Patanjali RuPay Platinum Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Punjab National Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• Just hover your cursor on the Punjab National Bank Patanjali RuPay Platinum Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Punjab National Bank branch to apply for the Patanjali RuPay Platinum Card.

• Request for the credit card application form for the Punjab National Bank Patanjali RuPay Platinum Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Punjab National Bank Patanjali RuPay Platinum Card by post at the same postal address.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a PNB Patanjali RuPay Platinum Card in 2025 be right?

Yes, getting a Punjab National Bank Patanjali RuPay Platinum Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.

Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit.

Conclusion

The Punjab National Bank Patanjali RuPay Platinum Card is a great credit card that came into existence under the partnership between Punjab National Bank and Patanjali Ayurveda. The PNB Patanjali RuPay Platinum Card would be particularly beneficial for people who use Patanjali products on an everyday basis and who prefer things indigenous to the Indian market.

With the PNB Patanjali RuPay Platinum Card, you can get special discounts at Patanjali stores and other shops. It also has cashback offers, which provide you with an opportunity to save on every transaction.

The PNB Patanjali RuPay Platinum card is designed attractively and with simplicity, featuring the Patanjali logo and the RuPay logo. This reflects that the PNB Patanjali RuPay Platinum card is a secure and trustworthy one for the Indian market. With its features and design, the PNB Patanjali RuPay Platinum card offers a robust and wonderful experience to customers.

Frequently Asked Questions (FAQs)