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Credit cards

PNB RuPay Platinum Credit Card

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

CashbackNot published as a percentage; PNB lists fuel-surcharge waiver and merchant offers.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 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: Pre-Qualified eligibility is segment-based?

Published source: Minimum income

2Do you meet this requirement: Selected PNB customers in Pre-Qualified target segments?

Published source: Eligibility

3Does your age meet this requirement: issuer checks age, income, and account conduct before offering the variant?

Published source: Eligibility

4Do you meet this requirement: PNB publishes this as a Pre-Qualified variant for selected existing customers?

5Does your age meet this requirement: numeric income and age rules vary by target segment and are not stated for the variant itself?

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 the quarterly-use waiver.
Source
PNB Pre-Qualified Credit Card
Page / section
Card Variant Features — RuPay Platinum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Fee waiverNil joining fee; annual fee waived with at least one use in each quarter in the preceding year.View source
The variant feature list states nil joining fee and quarterly annual-fee waiver.
Source
PNB Pre-Qualified Credit Card
Page / section
Card Variant Features — RuPay Platinum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNot published for the RuPay Platinum variant; Pre-Qualified eligibility is segment-based.View source
PNB describes target segments and assigned limits but no RuPay Platinum income threshold.
Source
PNB RuPay Platinum income review
Page / section
Target Segment and Card Variant Features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilitySelected PNB customers in Pre-Qualified target segments; issuer checks age, income, CIBIL and account conduct before offering the variant.View source
PNB says pre-qualified customers have already met the issuance conditions and lists the target segments.
Source
PNB Pre-Qualified Credit Card
Page / section
Features and
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published on the reviewed variant page.View source
No is stated.
Source
PNB RuPay 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 RuPay 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 RuPay Platinum forex review
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
CashbackNot published as a percentage; PNB lists fuel-surcharge waiver and merchant offers.View source
The variant page does not state a cashback rate.
Source
PNB RuPay Platinum cashback review
Page / section
Card Variant Features — RuPay Platinum
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
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 exciting merchant offers.
Source
PNB RuPay Platinum offers
Page / section
Card Variant Features — RuPay Platinum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Lounge accessDomestic and international lounge access; quota and spend conditions are not published.View source
The variant list states domestic and international lounge access.
Source
PNB RuPay Platinum lounge access
Page / section
Card Variant Features — RuPay Platinum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
NetworkRuPay Platinum.View source
The variant heading identifies RuPay Platinum.
Source
PNB RuPay Platinum network
Page / section
Card Variant Features — RuPay Platinum
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
  • Domestic and international lounge access
  • Insurance cover up to ₹2 lakh
  • Fuel-surcharge waiver and merchant offers

Eligibility

  • PNB publishes this as a Pre-Qualified variant for selected existing customers; numeric income and age rules vary by target segment and are not stated for the variant itself.

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

Documents the bank lists

  • PNB card application and /income documents, unless pre-qualified through PNB channels

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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Try your numbers

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.

Use the published table

Find the exact published value

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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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