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PNB Pride RuPay Platinum

Punjab National Bank |
Basic Rewards Government Employees Lounge Access RuPay

Annual Fee

₹500

Rewards/₹100 ⓘ

₹0.25

Normalized to balance base rate with bonus categories

Interest Rate

35.40%

Credit Score

700+

At a Glance

Key Benefits

1 RP per Rs.100, Rs.2L insurance, fuel surcharge waiver, 24x7 concierge, quarterly fee waiver

Lounge Access

2 domestic + 1 international lounge visits per quarter (8+4 per year)

Eligibility

Age: 21-65 years, Monthly income: Rs.25,000+, CIBIL: 700+, PNB account preferred

Quick Details

Annual Fee
₹500 #113
Joining Fee
₹500 #112
Interest Rate
35.40% p.a. #35
Forex Markup
3.50% #75
Rewards/₹100
₹0.25 #276
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
2/year #92
International Lounge Visits
1/year #55
Min Credit Score
700+ #54
Min Monthly Income ₹25
Network RUPAY
Card Replacement Fee 100
Late Payment Fee ₹500
Cash Advance Fee ₹500 2.50% (min ₹500)
Over Limit Fee ₹500
Card Replacement Fee ₹100

Reward Structure

Base

All Spends

₹0.25 /₹100

Reward Calculator

₹
Allocate by Category100%
Other Spends
1.0 pts
100%₹50,000
Your Rewards
Points Earned500
Cash Value₹125
Breakdown
Other Spends500
Total Value₹125
Quick amounts:

Milestone Benefits

Welcome Bonus

300 welcome bonus reward points on first retail/online transaction within 90 days

₹75

value

Annual Benefit

Annual fee waiver on making at least one transaction per quarter

₹500

value

Airport Lounge Access

Domestic Free
2

visits per quarter

Complimentary access via Dreamfolks/Loungekey

International Free
1

visits per quarter

International lounge access via RuPay network

Insurance Coverage

Accident

₹2,00,000

Accidental death or permanent disability cover of Rs.2 lakhs

Lost Card

₹50,000

Lost card liability protection up to Rs.50,000

Lifestyle Perks

Fuel

1 /month

1% fuel surcharge waiver on transactions between Rs.500-Rs.3,000, max waiver Rs.250/month

Concierge

24x7 concierge services for travel bookings, hotel reservations, and gift suggestions

Dining

Discounts and offers at 300+ partner merchants

E Bill

1

50 bonus reward points on registering for E-bill facility

Quick Analysis

PNB Pride RuPay Platinum is a decent entry-level card for government employees seeking basic rewards and lounge access at a nominal fee. Best suited for those with existing PNB banking relationship seeking simple benefits without high spending requirements.

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

Best For

Government employees, PNB account holders, basic rewards

Not Ideal For

High spenders, international travelers, premium benefits seekers

Frequently Asked Questions

What is the joining and annual fee for PNB Pride Credit Card?
The joining fee and annual fee is Rs.500 + GST each. However, the annual fee is waived if you make at least one transaction every quarter.
What is the reward points structure?
You earn 1 reward point for every Rs.100 spent on all retail and online transactions. Each reward point is worth Rs.0.25, giving an effective reward rate of 0.25%.
How do I redeem reward points?
Reward points can be redeemed through the PNB Rewardz website (rewardz.pnbcard.in) at the rate of 1 RP = Rs.0.25 for hotel bookings, mobile recharges, merchandise, and more. Minimum 1,000 points required for redemption.
How long are reward points valid?
Reward points are valid for 3 years from the date of accrual. Points will expire after this period.
What are the lounge access benefits?
You get 2 complimentary domestic airport lounge visits per quarter (8 per year) and 1 international lounge visit per quarter (4 per year) via Dreamfolks/Loungekey.
What are the welcome benefits?
Get 300 welcome bonus reward points (worth Rs.75) on your first retail or online transaction made within 90 days of card activation.
Is there a fuel surcharge waiver?
Yes, get 1% fuel surcharge waiver at all fuel stations in India for transactions between Rs.500 to Rs.3,000, with a maximum waiver of Rs.250 per month.
What insurance coverage does the card provide?
The card provides accidental death or permanent disability insurance cover of Rs.2 lakhs and lost card liability protection up to Rs.50,000.
What is the interest rate?
The interest rate is 2.95% per month on a reducing basis, which amounts to an APR of 35.40% per annum. You get up to 50 days interest-free period if you pay the full bill on time.
What is the forex markup fee?
The forex markup fee is 3.5% of the transaction amount for all international transactions in foreign currency.
Who is eligible to apply for PNB Pride Credit Card?
You need to be between 21-65 years old with a minimum monthly income of Rs.25,000 (Rs.3 lakh annual). A CIBIL score of 700+ is preferred. Having a PNB savings account for at least 6 months is beneficial but may not be mandatory.
Can I get add-on cards?
Yes, you can get up to 2 add-on cards for family members above 18 years of age with the same benefits as the primary card.
What are the late payment charges?
Late payment charges start from Rs.500 + applicable GST if you fail to pay at least the minimum amount due by the payment due date.
What are the cash advance charges?
Cash advance fee is 2.5% of the withdrawal amount or Rs.500, whichever is higher. Interest is charged from the date of transaction until payment.
Is there a 24x7 concierge service?
Yes, the card includes complimentary 24x7 concierge services to help with travel bookings, hotel reservations, gift suggestions, and other assistance.
Can I use this card for UPI payments?
Yes, PNB Pride is a RuPay credit card that supports UPI payments, allowing you to link it to UPI apps for seamless transactions.
How can I manage my card?
You can manage your card easily through the PNB GENIE mobile app, which provides access to statements, bill payments, reward points tracking, and other card services.
What is the over-limit fee?
Over-limit fee is Rs.500 + GST if you exceed your credit limit on the card.

User Reviews

Our Rating

3.4
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on Punjab National Bank's website

Rating Breakdown

Rewards
2.6/5 Top 86%
Benefits
4.3/5 Top 12%
Fees
3.8/5 Top 51%
Value for Money
3.5/5 Top 40%
User Reviews
3.0/5 Top 50%

Important Links

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