Ayurvedic Retail Co-Brand with 2% Store Rewards & ₹2 Lakh Accidental Cover
Household grocery shopping at Patanjali Mega Stores, Ayurvedic wellness purchases, and zero-surcharge RuPay UPI payments.
Free
One-time upfront₹500
Waiver terms not verified1 Reward Point on every spend of Rs. 150 and 2% cashback at Patanjali stores.
On eligible spends4 Domestic visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The PNB RuPay Platinum Patanjali Credit Card is an institutional co-branded card designed by Punjab National Bank and Patanjali Ayurved. Tailored for Indian households that purchase organic groceries, herbal healthcare products, and Swadeshi goods, the card rewards loyal patrons with 2% reward points at Patanjali retail stores and Arogya Kendras. The card has a modest annual fee of ?500, which is fully waived by maintaining active quarterly retail transactions (at least one transaction per calendar quarter). Crucially, it provides a built-in accidental death and permanent total disability insurance cover of up to ?2,00,000 at zero additional premium. Its native RuPay architecture provides frictionless UPI merchant payment capability across all Kirana stores and local shops. Who should consider it: Regular Patanjali product buyers and rural/semi-urban households looking for a secure public-sector bank credit card with embedded life cover. Who should avoid it: Metro shoppers who spend predominantly on international brands, luxury dining, or flight bookings, where private-bank cashback cards deliver higher net yields.
1 Reward Point on every spend of Rs. 150 and 2% cashback at Patanjali stores.
300 bonus Reward Points
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Patanjali Store Purchases | 2% cashback on transactions above ₹2,500 at Patanjali retail stores (max ₹50 per txn) | 50 INR (₹) / per transaction | Standard terms apply |
| Other Retail Spends | 1 Reward Point per ₹100 spent (0.25% value; 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 |
|---|---|---|---|---|---|---|
| Patanjali Store Purchases | ₹12,000 | 2% cashback on transactions above ₹2,500 at Patanjali retail stores (max ₹50 per txn) | — | ₹50/per_transaction | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 1 Reward Point per ₹100 spent (0.25% value; 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-₹500
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
? Eligibility: Salaried and self-employed Indian residents aged 21?65 with minimum verifiable annual income of ?2.5 Lakhs. ? Joining Fee: ?0 (Zero joining fee offer); Annual Fee: ?500 + GST (Waived if card is used at least once per calendar quarter in preceding year). ? Patanjali Store Accelerated Points: 2% reward points on purchases at Patanjali Arogya Kendras, Swadeshi Samridhi card reloads, and Mega Stores. ? Standard Retail Spends: 1 Reward Point per ?100 spent on all other eligible merchant categories. ? RuPay UPI Integration: Linkable to UPI apps for merchant QR scanning across India. ? Insurance Protection: Complimentary accidental death and permanent disability insurance cover of ?2,00,000. ? Fuel Surcharge: 1% fuel surcharge waiver for transactions between ?500 and ?3,000 (maximum ?250 per statement cycle).
Evaluate whether this card's perks and waiver threshold justify its ₹500 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 RuPay Platinum Patanjali Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Punjab National Bank portal with paperless verification.
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