PNB RuPay Platinum Credit Card

The PNB RuPay Platinum Credit Card by Punjab National Bank provides you with perks and privileges from the bank that have stood for many years for the Indian generation. RuPay Platinum Credit Card fulfils the needs effectively by providing the opportunity to earn cash back on purchases made, reward points for every expenditure, and many others at reasonable rates for different kinds of lifestyles and travel. 

With an EMV chip, this card requires more of itself from you so you can gain more of life and more from a business or enjoyable trip. Let’s comprehend what more it has to offer.

Rewards and Benefits

• Reward Points: 1 Reward Point for every Rs. 100 spent.
• Welcome Bonus: 300 Reward Points as soon as one swipes.
• Insurance: Includes accidental insurance of sum Rs. 2 lakhs.
• Fuel Surcharge Waiver: Up to Rs. 250 per month.
• Concierge Services: Around-the-clock aid in getting around, eating and other facilities.

Fees and Charges

• Joining Fee: Nil
• Annual Fee: Nil (if used once per quarter)
• Cash Withdrawal:  As a processing fee 5% of the transaction amount subject to a minimum of Rs. 200.
• Late Payment Fee: Fee of Rs. 500 or 2%.

PNB RuPay Platinum Credit Card Product Details

1. 1 reward point for every 100 rupees purchased at retail. 
2. Get 300 Reward Points with your first swipe when you sign up today.
3. Complimentary access to domestic and international airport lounges, up to 2 per quarter.
4. Obtain a sum insured Rs. 2 lakhs for accidental insurance.
5. Reduce fuel surcharge to Rs. 250 or less per month.
6. Get round-the-clock support for travel, ordering food etc.

PNB RuPay Platinum Credit Card Features and Benefits

1. Welcome Benefits:

• Bonus Reward Points: As first timers you will receive 300 reward points the first time you use your card for a transaction in a retail outlet/online store within the first 90 days ONLY.

2. Insurance Coverage:

• Accidental Insurance: Personal accident insurance up to ₹ 2 lakhs.

3. Fuel Surcharge Waiver:

• Waiver Details: By this, the customer would be extending a 1% fuel surcharge where they use ₹500 and up to ₹3000 for transactions in all the fuel stations in the country.
• Cap: A maximum of ₹ 250 can be waived off every month.

4. Concierge Services:

• 24/7 Assistance: Dining and Event recommendations and arrangements, travel help and emergency by dialling 1800-2100-131.

5. Additional Benefits:

• Annual Fee Waiver: There is an annual renewal fee of ₹500 but this may be exempted if the cardholder conducts at least one transaction every quarter.

PNB RuPay Platinum Credit Card Reward Offers

• Reward Points: Get 1 Reward Point for every Rs. 100 spent only on retail bills.
• Welcome Bonus: With your first swipe, you will receive 300 reward Points.
• E-Bill Registration: Getting 50 extra Reward Points.

Redemption:

• Equivalent Conversion Rate: 1 Reward Point = Rs. 0. 50.
• Minimum Redemption: 500 Reward Points.
• Redemption Options: Getting a hotel, recharging mobile, purchasing goods and merchandise and many more services.

PNB RuPay Platinum Credit Card Fees and Charges

Fuel Surcharge:

• Waiver: 1% waiver on fuel transactions between ₹500 and ₹3,000 at fuel stations across India.
• Cap: Maximum waiver of ₹250 per month.

Foreign Currency Markup Fee:

• Typically around 3.5% of the transaction amount (varies based on specific terms).

Cash Withdrawal Fee:

• Domestic: 2.5% of the transaction amount or a minimum fee (whichever is higher).
• International: Higher of 3% of the transaction amount or a fixed fee.

Overlimit Fee:

• Fee: Typically a percentage of the over limit amount or a fixed charge (specific terms may apply).

Travel Benefits Available on PNB RuPay Platinum Credit Card

Airport Lounge Access:

• Domestic Lounge Access: Up to 2 complimentary accesses per quarter.
• International Lounge Access: Up to 2 complimentary accesses per quarter.

Travel Insurance:

• Accidental Insurance Coverage: Up to ₹2 lakhs for personal accidents.

Concierge Services:

• 24/7 Assistance: Access to a range of concierge services to enhance your travel experience. Services include:
  • Dining referrals and reservations
  • Event bookings
  • Flight and hotel arrangements
  • Emergency medical support
  • Pre-trip assistance

Who Can Apply for the PNB RuPay Platinum Credit Card?

Age Criteria:

• Primary and Add-on Cardholder: It should be of 21 years and above but less than 65 years of age.

Income Requirements:

• Minimum Income: A minimum income of ₹ 5,00,000 per annum.

Credit History:

• Credit Score: Job applicants should possess good credit of 750 or above and be of good credit standing with a good credit rating.

Residency:

• Location: Candidates should be Indian citizens.

Documentation Needed for PNB RuPay Platinum Credit Card

Identity Proof:	Residential Proof:
PAN Card	Ration Card
Driving License	Voter ID Card
Passport	Utility Bills (Electricity, Water, etc.)
Voter ID Card	Letter issued by Govt. or Gazetted officer
Aadhar Card	Recognized public authority

Income Proof:

For Salaried Individuals:	For Self-Employed Individuals:
Salary Slip	PAN Card
Salary Certificate	Income Tax Return (ITR)
Form 16	Form 60/61

Application Process for PNB RuPay Platinum Credit Card

1. Visit the PNB Website: The first step is to visit the official Punjab National Banks (PNB) website.
2. Locate the Application Section: Go to credit cards and look for credit card applications you will see PNB RuPay Platinum Credit Card.
3. Download the Form: You can also complete the credit card application form online therefore try to download the form from the website.
4. Fill Out the Form: Fill in the information in the form with your personal and financial data. Always ensure that all the details provided are correct to expunge any hitches that can cause a delay.
5. Upload Documents: Submit the files with the needed identity, residential, and income documents as listed on their website.
6. Submit the Form: Fill out the application form, attach the necessary documents and submit them at the nearest branch.

FAQs