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Best for: Government employees, PNB account holders, basic rewards
PNB Pride RuPay Platinum
APPLY NOW
on Punjab National Bank's website
Annual fee
₹500
#113Rewards rate
₹0.25/₹100
#276Joining fee
₹500
#112Interest rate
35.40%
#35 Card details
Forex Markup
3.50%
#75
Domestic Lounge
2/year
#92
International Lounge
1/year
#55
Min Credit Score
700+
#54
Min Monthly Income ₹25
Categories Basic Rewards, Government Employees, Lounge Access, RuPay
CardNitty's take
Pros
- Low annual fee of Rs.500 with quarterly waiver
- 1 reward point per Rs.100 spent (0.25% reward rate)
- 2 domestic + 1 international lounge visit per quarter
- 300 welcome bonus reward points on first transaction
- Accidental insurance coverage of Rs.2 lakhs
- 1% fuel surcharge waiver up to Rs.250/month
- 24x7 concierge services for bookings and assistance
- Special focus on government employees
- RuPay network with UPI support
- PNB GENIE mobile app for easy management
Cons
- Annual fee waiver requires quarterly transaction
- Low reward rate of only 0.25% on all spends
- No bonus categories or accelerated rewards
- Limited international lounge access (1 per quarter)
- Forex markup of 3.5% is on the higher side
- High APR of 35.4% per annum (2.95% monthly)
- Reward points valid for only 3 years
- Minimum 1,000 points required for redemption
- No milestone benefits or spend-based bonuses
- Limited to RuPay network acceptance