PNB RuPay Platinum Credit Card
Annual Fee
₹500
Rewards/₹100 ⓘ
₹0.25
Interest Rate
35.40%
Credit Score
700+
At a Glance
Key Benefits
1 RP per Rs.100, Rs.2L insurance, fuel surcharge waiver, UPI credit line, NCMC
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
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
Fuel
1 /month
1% fuel surcharge waiver on Rs.500-Rs.3,000 transactions (max Rs.200/month)
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 RuPay Platinum is an affordable entry-level RuPay card with basic benefits. Best for those starting their credit journey who want UPI credit line and transit payment features.
Pros
- Low annual fee of Rs.500 (waived on Rs.75K spend)
- 1 reward point per Rs.100 spent
- RuPay network with UPI credit line support
- 1% fuel surcharge waiver (up to Rs.200/month)
- Rs.2 lakh accidental insurance coverage
- Easy fee waiver threshold
- NCMC functionality for transit payments
- Contactless payment enabled
- Interest-free period up to 50 days
Cons
- No airport lounge access
- Basic reward rate of 0.25%
- No bonus categories or accelerated rewards
- No welcome bonus
- 3.5% forex markup on international transactions
- High APR of 35.4% per annum
- Limited premium benefits
- No concierge services
Best For
Entry-level users, UPI users, transit commuters
Not Ideal For
Premium benefit seekers, frequent travelers, high reward seekers
Frequently Asked Questions
What are the fees for PNB RuPay Platinum?
Does this card offer lounge access?
Can I use this card with UPI?
What is the reward structure?
What insurance does this card provide?
User Reviews
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