PNB BLISS RuPay Platinum Credit Card
Punjab National Bank · ₹510 a year · fee waived on ₹1,00,000 of annual spend
A lifestyle-voucher card for women customers, with basic points.
What PNB BLISS RuPay Platinum Credit Card really returns
On a typical ₹50,000 a month of card spend, with points counted as cashback, PNB BLISS RuPay Platinum Credit Card returns about ₹1,230 a year after its fee (0.21% of spend). That ranks 213 out of 260 cards SahiCard can score. Earns most on online shopping (₹300) and groceries (₹240). Put in your own spending to see your figure, with the working shown.
Best credit cards for ₹50,000 a month · All guides
Base rate: 0.25% as Reward Point.
What the bank says
- 1 reward point per ₹100, worth 25 paise
- Quarterly Nykaa voucher of ₹500, Ola or Uber voucher of ₹100 and BookMyShow offer of ₹250
- Swiggy One for 3 months and Gaana Plus for 12 months each year
- Annual health check-up and a spa session
- Annual fee ₹510, waived on ₹1 lakh of spend in the previous year
Things that catch people out
- Earns 1 point per ₹100 at 25 paise a point, which is 0.25%. That is a low rate, and the fee is only worth paying if the waiver applies.
- The vouchers are worth more than the points, but we leave them out of the figure.
- PNB does not list the spends that earn nothing, so we apply the usual exclusions for fuel, rent and insurance.
Joining fee: ₹510.
Foreign currency markup: not published.
The facts
- Annual fee: ₹510
- Fee waived at: ₹1,00,000 of spend a year
- Domestic lounge visits: not published
- Minimum income: ₹3,60,000 a year
Read from Punjab National Bank’s own page on 2026-10-06.
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