PNB RuPay Platinum Credit Card

The PNB RuPay Platinum Credit Card combines the trusted reach of Punjab National Bank—one of India's oldest and largest public-sector institutions—with the technological versatility of the NPCI RuPay network. Its standout advantage is native linkage to UPI applications including Google Pay, PhonePe, Paytm, and BHIM, empowering cardholders to scan QR codes at neighborhood kirana stores, cafes, and local merchants and pay using their PNB credit limit with interest-free billing cycles. At a nominal fee of ₹250 annually (often waived entirely during promotional onboarding or on conducting routine transactions), the card provides exceptional public-sector utility. Cardholders receive 2 complimentary domestic airport lounge visits per calendar year through the RuPay Platinum lounge programme. In addition, the card bundles comprehensive Accidental Death and Permanent Total Disability insurance coverage of up to ₹2,00,000, providing vital peace of mind for account holders and their families. Every ₹100 spent earns 1 reward point, with 2X points on retail shopping. On the downside, the reward earn rate is utilitarian: at approximately ₹0.25 per point, the net return on general spending is around 0.25%, which cannot compete with private-bank cashback powerhouses. Digital management features on PNB's mobile portal can feel less polished than private fintech applications. However, for a dependable, low-cost public sector RuPay card with complimentary lounge privileges and insurance, PNB RuPay Platinum remains a stalwart choice.

Additional Cardholder Privileges

Mandatory Verification Documents