Co-Branded Travel Savings — Up to 20% Off Hotels & 10% Off Flights on EaseMyTrip
Frequent leisure and business travelers who book flights, hotels, and holidays via EaseMyTrip and want direct booking discounts combined with RuPay UPI perks.
₹2,000
One-time upfront₹2,000
Waived on ₹1 lakh annual spendEarn 4 Points per ?100 spent (Flat 20% hotel & 10% flight discount on EaseMyTrip)
On eligible spends8 Domestic + 2 International visits/year
Complimentary visitsLast verified 9 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The PNB EMT RuPay Platinum Credit Card combines Punjab National Bank's credit infrastructure with online travel aggregator EaseMyTrip's competitive pricing engine. Built for domestic and regional travelers, the card delivers immediate, tangible discounts on travel bookings: cardholders receive a flat **20% instant discount on domestic and international hotel bookings** and a flat **10% instant discount on flight bookings** when booked via EaseMyTrip web or app channels using exclusive cardholder promo codes. At an annual fee of ₹2,000 + GST, booking just one or two family vacations or hotel stays each year easily offsets the entire annual charge through direct ticket savings. The card operates on the RuPay Platinum network, conferring 2 complimentary domestic airport lounge visits per calendar year and seamless linking to UPI apps (Google Pay, PhonePe) for daily merchant QR code transactions. Spending ₹1,00,000 annually waives the ₹2,00,000 renewal fee entirely, a very accessible threshold for anyone who travels once or twice a year. The primary trade-off is platform exclusivity: the accelerated travel discounts require booking exclusively through EaseMyTrip and using the designated cardholder coupon codes. Direct airline website bookings (such as IndiGo or Air India) do not receive the 10% to 20% discount. Furthermore, general retail spending earns standard public-sector reward rates (~0.25%). But for travelers who consistently compare and book trips through online travel aggregators, the PNB EMT Card offers substantial upfront trip savings.
Earn 4 Points For Every ₹100 Spent
Voucher worth ₹3,000 for flight, hotel, and holiday bookings and 300 reward points on the first transaction
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| EaseMyTrip Hotel Bookings | 20% instant discount on domestic and international hotel stays via EaseMyTrip | No Cap | Standard terms apply |
| EaseMyTrip Flight Bookings | 10% instant discount on domestic and international flight bookings via EaseMyTrip | No Cap | Standard terms apply |
| Other Retail Spends | 2 Reward Points per ₹100 spent on all other purchases (0.50% return; 1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| EaseMyTrip Hotel Bookings | ₹6,000 | 20% instant discount on domestic and international hotel stays via EaseMyTrip | — | None | Calculating... | Under cap |
| EaseMyTrip Flight Bookings | ₹6,000 | 10% instant discount on domestic and international flight bookings via EaseMyTrip | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent on all other purchases (0.50% return; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹2,000
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹2,000 + 18% GST. • Annual Renewal Fee: ₹2,000 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual fee waived on achieving cumulative retail spends of ₹1,00,000 or more in the preceding anniversary year. • Hotel Bookings: Flat 20% instant discount on domestic and international hotel stays via EaseMyTrip (using exclusive promo code). • Flight Bookings: Flat 10% instant discount on domestic and international flight tickets via EaseMyTrip. • Bus Bookings: Up to ₹125 discount on bus bookings via EaseMyTrip. • RuPay UPI Integration: Linkable to Google Pay, PhonePe, and Paytm for merchant QR payments. • Domestic Lounge Access: 2 complimentary domestic airport lounge visits per calendar year via RuPay Platinum. • Fuel Surcharge Waiver: 1% fuel surcharge waiver across India on transactions between ₹500 and ₹4,000. • Foreign Currency Markup: 3.50% + GST on international transactions. • Finance Charges (APR): 2.95% per month (35.40% annualized) on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹2,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding PNB EMT RuPay Platinum Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Punjab National Bank portal with paperless verification.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
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Standard Chartered EaseMyTrip Credit Card
Best for: Budget Flight Bookers, EaseMyTrip Loyalists & Economy Domestic Travelers
Rewards: 2 Reward Points per Rs 100 on retail spends
Lounge access: 2 Domestic visits/year
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Last verified 2 Oct 2026
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Lounge access: Unlimited Domestic visits · ₹20k preceding billing-cycle spend required
Forex markup: 0% (Zero Forex)
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Lounge access: Unlimited Domestic visits · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
Last verified 15 Oct 2026
Best for: Zero Forex Markup, Scapia Travel Rewards & RuPay UPI
Rewards: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.
Lounge access: Unlimited Domestic visits · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
Last verified 15 Oct 2026
