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Credit cards

PNB Visa Platinum Credit Card

A Visa Platinum card with ₹500 annual fee, spend-and-usage waiver conditions and 2 points per ₹150.

CashbackNot published as a percentage; fuel-surcharge waiver and merchant offers are listed.Rewards2 reward points per ₹150 spent.OffersFuel-surcharge waiver and merchant offers; values are not published.
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Quick eligibility check

PNB Visa Platinum Credit Card

0 of 2 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: PNB applicants offered the Visa Platinum variant through applicable PNB channels?

Published source: Eligibility

2Does your age meet this requirement: The shared variant page does not publish a separate numeric income or age threshold?

0 of 2 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byPunjab National Bank

India and international Visa acceptance

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 if previous-year usage exceeds the card limit, at least one retail transaction occurs each quarter and the account has never been irregular.View source
PNB publishes the ₹500 annual fee and all three waiver conditions.
Source
PNB Pre-Qualified Credit Card
Page / section
Card Variant Features — Visa Platinum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Fee waiverNil joining fee; annual fee waived only when all three published usage, quarterly-retail and account-regularity conditions are met.View source
The Visa Platinum variant list publishes nil joining fee and conditional annual-fee waiver.
Source
PNB Visa Platinum fees
Page / section
Card Variant Features — Visa Platinum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNot published for Visa Platinum.View source
The page offers Visa Platinum by segment but states no income threshold.
Source
PNB Visa Platinum income review
Page / section
Target Segment
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilityPNB applicants offered the Visa Platinum variant through applicable PNB channels; issuer approval and published waiver conditions apply.View source
PNB lists Visa Platinum as an offered variant and describes its annual-fee waiver conditions.
Source
PNB Visa Platinum eligibility
Page / section
Card Variant Features — Visa Platinum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published on the reviewed variant page.View source
No is stated.
Source
PNB Visa 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 Visa 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 Visa 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
No cashback rate is stated.
Source
PNB Visa Platinum cashback review
Page / section
Card Variant Features — Visa Platinum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Rewards2 reward points per ₹150 spent.View source
PNB Rewardz publishes two points per ₹150 for Visa Platinum.
Source
PNB Rewardz programme
Page / section
- PLATINUM
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
OffersFuel-surcharge waiver and merchant offers; values are not published.View source
The variant list includes fuel-surcharge waiver and merchant offers.
Source
PNB Visa Platinum offers
Page / section
Card Variant Features — Visa Platinum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Lounge accessNot published for Visa Platinum on the reviewed variant page.View source
No lounge benefit is stated for Visa Platinum.
Source
PNB Visa Platinum lounge review
Page / section
Card Variant Features — Visa Platinum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
NetworkVisa Platinum.View source
The variant heading identifies Visa Platinum.
Source
PNB Visa Platinum network
Page / section
Card Variant Features — Visa Platinum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Nil joining fee
  • ₹500 annual fee waived when previous-year usage exceeds card limit, at least one retail transaction occurs each quarter and the account has never been irregular
  • 2 reward points per ₹150
  • Fuel-surcharge waiver and merchant offers
  • Cash advance, revolving credit, and auto-debit facilities

Eligibility

  • The shared variant page does not publish a separate numeric income or age threshold; issuer approval applies.

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

Documents the bank lists

  • PNB card application, and income documents

Related official documents

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

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

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

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

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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