PNB Patanjali RuPay Platinum
Annual Fee
₹500
Rewards/₹100 ⓘ
₹0.25 - ₹0.75
Interest Rate
35.40%
Credit Score
700+
At a Glance
Key Benefits
3x rewards at Patanjali, Rs.2L insurance, fuel surcharge waiver, UPI credit line
Lounge Access
No lounge access available
Eligibility
Age: 21-65 years, Annual income: Rs.2.5 lakh+, CIBIL: 700+
Quick Details
Reward Structure
All Spends
Patanjali Stores
Reward Calculator
Milestone Benefits
Annual fee waiver on spending Rs.75,000 in previous year
Spend ₹75,000 within 365 days
value
Insurance Coverage
Accident
₹2,00,000
Accidental death or permanent disability coverage
Lost Card
₹50,000
Lost card liability protection
Lifestyle Perks
Shopping
Exclusive discounts and offers at Patanjali outlets and online store
Fuel
1 /month
1% fuel surcharge waiver on Rs.500-Rs.3,000 transactions
Other
1
UPI credit line - link to UPI apps for seamless payments
Other
1
NCMC functionality for metro, bus and transit payments
Quick Analysis
PNB Patanjali RuPay Platinum is ideal for regular Patanjali shoppers who can maximize the 3x rewards at Patanjali stores. A niche card for those committed to the Patanjali ecosystem and Ayurveda products.
Pros
- 3x reward points on Patanjali store purchases
- Low annual fee of Rs.500 (waived on Rs.75K spend)
- Exclusive discounts at Patanjali outlets
- 1-3 reward points per Rs.100 spent
- RuPay network with UPI credit line support
- 1% fuel surcharge waiver
- Rs.2 lakh accidental insurance coverage
- NCMC functionality for transit payments
- Support for Made in India brand
Cons
- No airport lounge access
- Limited bonus rewards to Patanjali stores only
- Basic reward rate (0.25%) on non-Patanjali spends
- No welcome bonus
- 3.5% forex markup
- High APR of 35.4% per annum
- Niche appeal - best for Patanjali loyalists
Best For
Patanjali loyalists, Ayurveda/wellness enthusiasts, Swadeshi supporters
Not Ideal For
General spenders, travelers, premium benefit seekers
Frequently Asked Questions
What are the fees for PNB Patanjali card?
What are the rewards at Patanjali stores?
Does this card offer lounge access?
Can I use this card with UPI?
What insurance does this card provide?
Are there exclusive Patanjali discounts?
User Reviews
Ready to Apply for PNB Patanjali RuPay Platinum?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.
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