Summary
Aimed to recognize customers, provide discounts, and grant exclusive access, the premium PNB RuPay Platinum Credit Card from Punjab National Bank is for those who value regular purchases. They will find this card ideal with easy reward points, travel benefits, and gasoline savings.
The reward point system is its main benefit since consumers earn two points for every ₹150 spent. Among the several advantages redeeming these points provides are gift cards, rebates, and other incredible discounts. Free admission to airport lounges at many domestic airports up to two times a quarter also benefits regular guests. This function improves the travel experience by way of comfort and ease.
For individuals who regularly run their automobiles, the 1% fuel surcharge waiver on purchases between ₹500 and ₹3,000 helps to cut total gasoline expenditures. Additionally providing up to ₹2 lakh accidental death insurance, the card provides financial stability should unanticipated circumstances occur.
Introduction
The PNB RuPay Platinum Card is a special credit card issued by Punjab National Bank, which is specially designed for those who want to get great benefits on their everyday expenses. Through the Punjab National Bank RuPay Platinum Card, you not only get the facility of cashless transactions, but you can also avail yourself of various rewards and offers. The Punjab National Bank RuPay Platinum Card is accepted domestically and internationally so that you can easily pay anywhere without cash.
The Latinum Card is beneficial for those who want to get special discounts and rewards on their expenses. With the Punjab National Bank RuPay Platinum Card, you get reward points, which you can redeem on different products or services. Apart from this, through the Punjab National Bank RuPay Platinum Card, you can also avail yourself of a fuel surcharge waiver, airport lounge access, and many great discounts on online shopping.
The Punjab National Bank RuPay Platinum Card also comes with features like travel insurance, purchase protection insurance, and accident insurance, which keeps your travel and shopping experience safe. Cardholders also get specially designed offers and cashback schemes, which make it special from other credit cards.
In today’s article, we will discuss in detail the Punjab National Bank RuPay Platinum Card. In this article, we will tell you in detail about its benefits. Along with this, we will also discuss the fees of the Punjab National Bank RuPay Platinum Card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problem later.
What is the PNB RuPay Platinum Card?
Designed especially for those consumers who wish to maximize perks and facilities on their regular purchases, Punjab National Bank issues Platinum Cards as credit cards. Approved both domestically and internationally, the Punjab National Bank RuPay Platinum card runs on the RuPay network.
Along with many more fantastic offers on retail, travel, and online purchases, the Punjab National Bank RuPay Platinum card entitles you to cashback. This credit card is extremely special and handy because of benefits like a fuel surcharge waiver, insurance cover, a nd lounge access.
What is the design of the PNB RuPay Platinum Card?
Modern and elegant, the Punjab National Bank RuPay Platinum Credit Card has a trendy finish and a premium look. The PNB emblem mixed with the RuPay Platinum branding produces the elegant style of the card. Usually, it runs in a sophisticated dark or metallic tone.
A chip is inserted for safe transactions; card information—name and number—is legibly printed. Given its stylish and useful design, it is a great choice for premium consumers.
What are the benefits of the PNB RuPay Platinum Card?
These are its main advantages:
- Points for Reward and Cashback
- For every ₹150 spent, earn two reward points.
- Redeem gifts, coupons, or discounts with reward points.
- Special Access to the Lounge
- Access to certain domestic airport lounges is free (up to thrice a quarter).
- Waiver of Fuel Surcharge
- For fuel purchases between ₹500 and ₹3,000, receive a 1% fuel surcharge waiver.
- Coverage of Insurance
- Coverage for accidental death insurance up to ₹2 lakh.
- Contactless and EMI Payments
- Transform expensive transactions into simple EMIs.
- Use the Tap & Pay functionality to make secure, speedy payments.
What are the PNB RuPay Platinum Card fees?
Here is a simple Punjab National Bank 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, 3. there is a 5% 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 RuPay Platinum Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the Punjab National Bank RuPay Platinum Card.
- 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.
- A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.
- Your credit score plays a role in the selection process. Punjab National Bank tends to favor borrowers with a better credit score, usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- 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.
- 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 RuPay Platinum Card?
The documents that you will have to submit to Get a Punjab National Bank 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 RuPay Platinum Card be used?
Here is the list of places where you can use it:
- With the Punjab National Bank 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.
- You can use your Punjab National Bank RuPay Platinum Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Punjab National Bank 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 RuPay Platinum Card?
The credit amount you can spend is what you are provided with a Punjab National Bank 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 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’.
- On that page, you can see numerous options for credit cards issued by the Punjab National Bank; for instance, you can choose the Punjab National Bank RuPay Platinum Card.
- Just hover your cursor on the Punjab National Bank 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 Punjab National Bank RuPay Platinum Card.
- Request for the credit card application form for the Punjab National Bank 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 RuPay Platinum Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Punjab National Bank Card website or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a PNB RuPay Platinum Card in 2025 be right?
Yes, getting a Punjab National Bank 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. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.
Conclusion
Apart from cashless payments, the Punjab National Bank RuPay Platinum card offers users exclusive discounts, rebates, and reward points, all things considered. It is a superb credit card choice made especially for those who seek bigger benefits on their daily purchases. Its worth increases locally and international, ly especially for frequent visitors or internet purchases.
Apart from other credit cards, the Punjab National Bank RuPay Platinum card distinguishes itself with its benefits, including insurance coverage, access to airport lounges, a nd the elimination of fuel surcharges. Cardholders should maximize the Punjab National Bank RuPay Platinum card for better financial management—that is, for timely and correct utilization of reward points and bill payment.
Since handling and application procedures are simple, everyone just uses the Punjab National Bank RuPay Platinum card. Whether your regular purchases demand some additional benefits, such as being a shoppingaholic or frequent traveler, the PNB RuPay Platinum card can be a fantastic fit for you. Combining simplicity, security, and incentives enables you to use credit cards more wisely and safely.
Frequently Asked Questions (FAQs)
Ans: Anyone eighteen years of age or above with a solid credit history—CIBIL score—can apply for a Punjab National Bank RuPay Platinum Card.
Ans: With the Punjab National Bank RuPay Platinum Card, your travel and shopping are safe since it offers purchase protection insurance and accident and trip insurance.
Ans: The minimum payment amount shown on your credit card statement must be deposited within the designated period every month to prevent a negative credit score impact.
Ans: The Punjab National Bank RuPay Platinum Card’s yearly fee could vary depending on the bank’s policies. One might get fee-relevant information from the bank during application.
Ans: Through PNB’s mobile banking app or net banking portal, you may check your credit card information—including outstanding amount, reward points, and transaction history.
