CardsGurujiCompare · Choose · SaveCheck all categoriesCheck all issuers
⌘K
Card Categories
Pick a card that matches how you actually spend.
Card Issuers
Explore cards from India's leading banks.
Last updated: 12 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
1 Point per ₹100
Basic rewards
The privileges that come bundled in, beyond the reward points.
Merchant offers on UPI
Utility cashback
An honest read on where this card earns its keep — and where it doesn't.
Low interest
UPI
Basic features
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Punjab National Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Punjab National Bank RuPay Platinum stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
Stay informed with recent credit card news, policy updates, and expert guides for Punjab National Bank RuPay Platinum.
A roundup of credit card offers from HDFC, SBI, ICICI, Axis and others for Flipkart's Big Billion Sale 2026.
Unlock massive savings during the 2026 Amazon Great Indian Festival! Discover the top credit cards from ICICI, SBI, and HDFC that offer the best instant discounts, unlimited cashback, and ultimate shopping perks.
RBI's new rules from October 15, 2026 reshape fees, rewards and eligibility for UPI and credit cards in India.
Everything you need to know about Punjab National Bank RuPay Platinum fees, reward conversion, lounge access, and application eligibility.
Punjab National Bank RuPay Platinum has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "RuPay payment functionality; no unique introductory reward confirmed.".
Punjab National Bank RuPay Platinum earns Points at a primary rate of 1 Point per ₹100. Specifically, Basic rewards. Spends in Entry Level categories provide the maximum valueback per transaction on this card.
Yes, because Punjab National Bank RuPay Platinum is on the RuPay network, you can link it directly to any UPI application including Google Pay, PhonePe, Paytm, and BHIM. This allows you to scan merchant QR codes at local stores and pay from your credit card account while earning reward points.
A CIBIL credit score of 650 or above is strongly recommended for approval of Punjab National Bank RuPay Platinum. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Punjab National Bank RuPay Platinum levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Punjab National Bank RuPay Platinum currently features a welcome offer: "RuPay payment functionality; no unique introductory reward confirmed.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Low interest and UPI. However, keep in mind that Basic features. Overall, Punjab National Bank RuPay Platinum delivers strong value if your regular spending aligns with Entry Level.
Punjab National Bank RuPay Platinum is focused on Entry Level valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
You can apply for Punjab National Bank RuPay Platinum directly through Punjab National Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
