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PNB Rakshak RuPay Platinum Credit Card

A Rakshak RuPay Platinum card with nil joining fee, ₹500 annual fee waived by quarterly use, 1 point per ₹100 and ₹2 lakh insurance cover.

CashbackNot published as a percentage; fuel-surcharge waiver and merchant offers are listed.Rewards1 reward point per ₹100 spent.OffersFuel-surcharge waiver and merchant offers; offer values are not published.
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Quick eligibility check

PNB Rakshak RuPay Platinum Credit Card

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Rakshak Plus account eligibility is required?

Published source: Minimum income

2Do you meet this requirement: PNB Rakshak Plus customers selected for a Pre-Qualified card?

Published source: Eligibility

3Do you meet this requirement: issuer checks account and credit criteria?

Published source: Eligibility

4Do you meet this requirement: The Rakshak variant is intended for PNB Rakshak Plus customers?

5Does your annual income meet this requirement: the shared page does not publish a separate numeric income threshold?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual / renewal fee₹500 per year; waived when used once in each quarter in the preceding year.View source
PNB publishes ₹500 annual fee and quarterly waiver for the Rakshak Platinum variant.
Source
PNB Pre-Qualified Credit Card
Page / section
Card Variant Features — RuPay Platinum Rakshak
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Fee waiverNil joining fee; annual fee waived with at least one use in each quarter.View source
The Rakshak Platinum variant list states nil joining fee and quarterly waiver.
Source
PNB Pre-Qualified Credit Card
Page / section
Card Variant Features — RuPay Platinum Rakshak
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNot published; Rakshak Plus account eligibility is required.View source
The page identifies Rakshak Plus customers as the target segment but no income threshold.
Source
PNB Rakshak Platinum income review
Page / section
Target Segment
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilityPNB Rakshak Plus customers selected for a Pre-Qualified card; issuer checks account and credit criteria.View source
PNB lists Rakshak Plus customers and the pre-qualified assessment criteria.
Source
PNB Rakshak Platinum eligibility
Page / section
Target Segment and
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published on the reviewed variant page.View source
No is stated.
Source
PNB Rakshak Platinum review
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Monthly finance chargeNot published on the reviewed variant page.View source
No monthly finance-charge rate is stated.
Source
PNB Rakshak Platinum finance-charge review
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Forex markupNot published on the reviewed variant page.View source
No foreign-currency markup is stated.
Source
PNB Rakshak Platinum forex review
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
CashbackNot published as a percentage; fuel-surcharge waiver and merchant offers are listed.View source
The variant list does not state a cashback rate.
Source
PNB Rakshak Platinum cashback review
Page / section
Card Variant Features — RuPay Platinum Rakshak
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Rewards1 reward point per ₹100 spent.View source
PNB publishes one point for every ₹100 spent.
Source
PNB Pre-Qualified Credit Card
Page / section
Card Variant Features — RuPay Platinum Rakshak
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
OffersFuel-surcharge waiver and merchant offers; offer values are not published.View source
The variant list includes fuel-surcharge waiver and merchant offers.
Source
PNB Rakshak Platinum offers
Page / section
Card Variant Features — RuPay Platinum Rakshak
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Lounge accessNot published on the Rakshak Platinum variant list.View source
The Rakshak Platinum list publishes insurance but no lounge access.
Source
PNB Rakshak Platinum lounge review
Page / section
Card Variant Features — RuPay Platinum Rakshak
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
NetworkRuPay Platinum Rakshak.View source
The variant heading identifies RuPay Platinum Rakshak.
Source
PNB Rakshak Platinum network
Page / section
Card Variant Features — RuPay Platinum Rakshak
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Nil joining fee
  • ₹500 annual fee waived when used once in each quarter
  • 1 reward point per ₹100
  • Insurance cover up to ₹2 lakh
  • Fuel-surcharge waiver, merchant offers and concierge

Eligibility

  • The Rakshak variant is intended for PNB Rakshak Plus customers; the shared page does not publish a separate numeric income threshold.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Rakshak Plus salary-account and PNB card application/ documents

Related official documents

PNB Pre-Qualified Credit Card — variant featuresofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,750one thousand seven hundred fifty rupees
Balance after that interest₹51,750fifty-one thousand seven hundred fifty rupees
Monthly rate × 1242%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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RuPay Platinum · Published termsNil joining; ₹500 annual fee waived with quarterly use; 1 point/₹100; domestic/international lounge; insurance up to ₹2 lakh

This value is copied from PNB Pre-Qualified Card variants — published terms. Check the table notes before relying on it.

Source: PNB Pre-Qualified Credit Card · Card Variant Features Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 6 rows · 2 columnsPNB Pre-Qualified Card variants — published termsShared PNB variant fees, rewards, network and benefits.View tableHide table

Scroll sideways to view every column

PNB Pre-Qualified Card variants — published terms
VariantPublished terms
RuPay PlatinumNil joining; ₹500 annual fee waived with quarterly use; 1 point/₹100; domestic/international lounge; insurance up to ₹2 lakh
Rakshak RuPay PlatinumNil joining; ₹500 annual fee waived with quarterly use; 1 point/₹100; insurance up to ₹2 lakh
Rakshak RuPay SelectNil joining; ₹750 annual fee waived with quarterly use; 2 points/₹150; domestic/international lounge; insurance up to ₹10 lakh
Visa ClassicNil joining and annual fee; 1 point/₹100; fuel-surcharge waiver
Visa PlatinumNil joining; ₹500 annual fee waived only when all three usage/quarterly/regularity conditions are met; 2 points/₹150
/finance/forex/incomeNot published for these variants on the reviewed PQCC page
PNB Pre-Qualified Credit Card · Card Variant Features · accessed 30 Aug 2026Open official source ↗

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