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PNB Rakshak Plus RuPay Platinum

Punjab National Bank |
Defense Personnel RuPay

Annual Fee

₹500

Rewards/₹100 ⓘ

₹0.25 - ₹0.50

Normalized to balance base rate with bonus categories

Interest Rate

35.40%

Credit Score

700+

At a Glance

Key Benefits

Rs.5L insurance, 1-2 RP per Rs.100, priority care, UPI credit line, fuel surcharge waiver

Lounge Access

No lounge access available

Eligibility

Defense personnel only, Age: 21-65, Income: Rs.2.5 lakh+, CIBIL: 700+

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 - ₹0.50 #238
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+ #54
Min Monthly Income ₹25
Network RUPAY
Card Replacement Fee 100
Late Payment Fee ₹400
Cash Advance Fee ₹500 2.50% (min ₹500)
Over Limit Fee ₹500
Card Replacement Fee ₹100
Fee Waiver on Spend ₹75,000/yr

Reward Structure

Base

All Spends

₹0.25 /₹100
Cat

CSD/Canteen Stores

₹0.50 /₹100

Reward Calculator

₹
Allocate by Category 100%
CSD/Canteen Stores
2.0 pts
60% ₹0
Other Spends
1.0 pts
40% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Renewal Benefit

Annual fee waiver on spending Rs.75,000 in previous year

Spend ₹75,000 within 365 days

₹500

value

Insurance Coverage

Accident

₹5,00,000

Enhanced accidental death/disability cover for defense personnel

Lost Card

₹50,000

Lost card liability protection

Lifestyle Perks

Fuel

1 /month

1% fuel surcharge waiver on Rs.500-Rs.3,000 transactions

Other

1

Priority customer care for defense personnel

Other

1

UPI credit line - link to UPI apps for payments

Quick Analysis

PNB Rakshak Plus RuPay Platinum is the entry-level option for defense personnel, offering enhanced insurance and priority services at a lower fee than the Select variant.

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

Best For

Defense personnel seeking affordable card, armed forces members

Not Ideal For

Civilians (not eligible), frequent travelers needing lounge access

Frequently Asked Questions

Who is eligible for PNB Rakshak Plus Platinum?
This card is exclusively for defense personnel including serving/retired members of Indian Army, Navy, Air Force, Paramilitary forces.
What is the difference between Select and Platinum?
Select variant offers lounge access and 24x7 concierge with Rs.1,000 fee, while Platinum has Rs.500 fee but no lounge access.
What insurance is provided?
Rs.5 lakh accidental death/disability insurance, enhanced for defense personnel.
Does this card offer lounge access?
No, the Platinum variant does not offer lounge access. For lounges, opt for the Rakshak Plus RuPay Select variant.

User Reviews

Our Rating

3.2
APPLY NOW

on Punjab National Bank's website

Rating Breakdown

Rewards
2.9/5 Top 70%
Benefits
3.4/5 Top 43%
Fees
3.9/5 Top 44%
Value for Money
3.0/5 Top 72%
User Reviews
3.0/5 Top 50%

Important Links

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