PNB RuPay Platinum Credit Card

Below are the key highlights of the PNB RuPay Platinum Credit Card benefits:

• Rs. 500 joining and annual fee is waived in case the card is used at least once every quarter in the preceding year, making it one of the lifetime free credit cards. 
• 300+ reward points on first card usage.
• If you want cash back credit cards, this card offers exclusive cash back on utility bills, eateries, restaurants, etc.
• Comprehensive insurance coverage.
• 24/7 concierge services.
• If you want airport lounge access credit cards, this card gives you complimentary domestic and international lounge visits.
• The convenient mobile app "PNB GENIE" is your one-stop solution for all credit card needs.
• 300+ merchant offers.
• The cash withdrawal limit is 20% of the card limit. 
• Interest-free period of 20-50 days on retail purchases and if the previous month’s balance was cleared in full. 
• This is one of the best RuPay credit cards that gives an attractive card limit of Rs. 25,000 to Rs. 5,00,000, depending on your eligibility.
• Up to 2 add-on cards for spouse/ mother/ father/ major son or daughter (unmarried).

This PNB RuPay credit card offers the following welcome benefits:

• Rs. 500 joining fee is waived in case the card is used at least once every quarter in the preceding year. 
• 300+ reward points on first card usage.
• 24/7 concierge services.
• The convenient mobile app "PNB GENIE" is your one-stop solution for all credit card needs.
• 300+ merchant offers.
• Complimentary PNB RuPay Platinum credit card lounge access to partner domestic and international airport lounges.

The PNB RuPay Platinum Credit Card offers the following insurance benefits, which are valid worldwide:

• Personal Accident Insurance Cover: Rs. 2,00,000.
• Permanent Total Disability Coverage: Up to Rs. 2,00,000 (depends on the extent of disablement).

• Joining fee for primary card: Rs. 500; Nil if the card is used once a quarter.
• Annual fee for primary card: Rs. 500; Nil if the card is used once a quarter.
• Joining & annual fee for add-on cards: Nil. 
• Foreign currency transaction: 3.50% markup over & above the currency conversion rate.
• Finance charges/ interest rate on revolving credit/ cash withdrawn/ amount overdue: 2.95% p.m. (1.5% p.m. for cards against FD).
• Annualised percentage rate (APR) on revolving credit: 35.89% p.a. (19.56% p.a. for cards against FD).
• Cash advance transaction charges for domestic PNB ATMs: 2% of cash withdrawn or Rs. 100, whichever is higher.
• Cash advance transaction charges for domestic other ATMs: 2% of cash withdrawn or Rs. 150, whichever is higher.
• Cash advance transaction charges for overseas: 2% of cash withdrawn or Rs. 250, whichever is higher.
• Late payment fee: Rs. 0 - Rs. 750, depending on the total outstanding amount due.
• Charges for over-the-credit-limit usage: 2.5% or minimum Rs. 500 (minimum Rs. 250 for cards against FD).
• Return of cheques/ dishonour of ECS/ Auto debit (SI): Rs. 200 (Rs. 100 for cards against FD) per instrument.
• Duplicate statement (beyond 3 months): Rs. 50 (nil for e-statement & card against FD). 
• Card replacement fee: Rs. 200 per card.
• PIN replacement fee: Rs. 100 per card (nil for electronic PIN/E PIN & Rs. 50 per card for cards against FD). 
• Retrieval of charge slip: Rs. 100. 
• Balance transfer processing fee: 1% of transfer amount or Rs. 199, whichever is higher. 
• Balance transfer interest charges: 0.99% p.m. under the EMI scheme for a period of 6 months.
• Railway ticket purchase/ cancellation charges: 2.5% on the transaction amount at the counter & up to 1.8% of the transaction amount on the IRCTC website. 
• Custom duty/ airport tax/ excess baggage: 2.25% of transaction amount (minimum Rs. 75).
• Fuel surcharge: 1% (exclusive of service tax & other charges) of transaction amount.
• PNB EMI plan: A processing fee of 2% of the transaction amount (minimum Rs. 200), finance charges of 18% p.a. (1.5% p.m.) & prepayment charges of 3% on outstanding amount (nil for card against FD).
• Instant EMI facility: A processing fee of 2% of the transaction amount (minimum Rs. 100) & finance charges of 12%-14% p.a.
• GST: GST as notified by the Government of India is applicable on all fees, interest and other charges.

• Age: The age of the applicant should be 21 to 70 years. Minimum age should be 18 years and there is no ceiling on the upper age limit for in case of credit card against FD and add-on cards. 
• Income: Minimum annual income of Rs. 2.50 Lakhs. 
• Credit score: The applicant should have a good credit score of 750 or above.
• Profile: Salaried or self-employed individual.

If you meet the above-mentioned eligibility criteria, you can apply for the card with the following documents:

• PAN Card
• Aadhaar Card or officially valid document) for address proof
• Recent income proofs (such as salary slips, bank account statements, or ITR)

You can apply for the PNB RuPay Platinum Credit Card through any of the following channels: 

• Internet banking
• Do It Yourself (DIY) link available on the bank’s website
• PNB One mobile application
• By visiting the PNB branch. 
• By making a missed call at 1800-180-5555, 

You can download the application form from the bank’s credit card portal or get it from any of the bank’s branches.

Everyday spenders, Travellers, and frequent UPI users, who are looking for an affordable, entry-to-mid-level credit card. This card offers complimentary domestic and international lounge access, zero annual fees (if used at least once a quarter), comprehensive personal accident insurance, 300+ reward points on first card usage, and much more.