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Punjab National BankFree to apply via CardGuruji · 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.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of Punjab National Bank are often approved on slightly lower scores.
Everything you need to know about Punjab National Bank RuPay Platinum fees, reward conversion, lounge access, and application eligibility.
The joining fee for Punjab National Bank RuPay Platinum is nominal, and the annual renewal fee is ₹500 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for Punjab National Bank RuPay Platinum from Punjab National Bank, a CIBIL score of 650 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
Punjab National Bank RuPay Platinum is designed to reward everyday spends. It currently features: "Nil". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Punjab National Bank's rewards portal.
Punjab National Bank RuPay Platinum does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.
You can apply for Punjab National Bank RuPay Platinum directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
