Showing 2 cards
Best for: Defense personnel, armed forces members, veterans
PNB Rakshak Plus RuPay Select
APPLY NOW
on Punjab National Bank's website
Annual fee
₹1,000
#183Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹1,000
#183Interest rate
35.40%
#35 Card details
Forex Markup
3.50%
#75
Domestic Lounge
3/year
#87
International Lounge
2/year
#41
Min Credit Score
700+
#54
Min Monthly Income ₹50
Categories Defense Personnel, Lounge Access, RuPay
CardNitty's take
Pros
- Exclusive card for defense personnel and armed forces
- 3 domestic + 2 international lounge visits per quarter
- Rs.10 lakh accidental insurance (enhanced for defense)
- 1-2 reward points per Rs.100 spent
- 24x7 concierge and priority customer care
- 1% fuel surcharge waiver (up to Rs.300/month)
- UPI credit line and NCMC functionality
- Annual fee waiver on Rs.1.5L spend
- Special benefits at CSD/canteen stores
Cons
- Limited to defense personnel only
- Rs.1,000 annual fee
- Fee waiver requires Rs.1.5 lakh annual spend
- 3.5% forex markup
- High APR of 35.4% per annum
- Basic reward rate
- Limited acceptance compared to Visa/Mastercard internationally
Best for: Defense personnel seeking affordable card, armed forces members
PNB Rakshak Plus RuPay Platinum
APPLY NOW
on Punjab National Bank's website
Annual fee
₹500
#113Rewards rate
₹0.25 - ₹0.50/₹100
#238Joining fee
₹500
#112Interest rate
35.40%
#35 Card details
Forex Markup
3.50%
#75
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Defense Personnel, RuPay
CardNitty's take
Pros
- Exclusive card for defense personnel
- Low annual fee of Rs.500 (waived on Rs.75K spend)
- Rs.5 lakh accidental insurance (enhanced for defense)
- 1-2 reward points per Rs.100 spent
- Priority customer care for defense personnel
- 1% fuel surcharge waiver
- UPI credit line and NCMC functionality
- Lower eligibility requirements than Select variant
Cons
- Limited to defense personnel only
- No airport lounge access
- Lower credit limit (max Rs.3 lakh)
- 3.5% forex markup
- High APR of 35.4% per annum
- No 24x7 concierge services