PNB RuPay Platinum Credit Card
Punjab National Bank · ₹500 a year
A RuPay Platinum card whose fee is waived if you use it every quarter.
What PNB RuPay Platinum Credit Card really returns
On a typical ₹50,000 a month of card spend, with points counted as cashback, PNB RuPay Platinum Credit Card returns about ₹730 a year after its fee (0.12% of spend). That ranks 238 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
- 2 domestic lounge visits a quarter and 2 international a year
- UPI compatible
- Annual fee ₹500, waived if the card is used at least once each quarter in the previous year
- ₹2 lakh personal accident cover
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 page says the card is UPI compatible but does not say UPI payments earn points, so we count none.
- PNB does not list the spends that earn nothing, so we apply the usual exclusions for fuel, rent and insurance.
Joining fee: ₹0.
Foreign currency markup: not published.
The facts
- Annual fee: ₹500
- Fee waived at: no waiver published
- Domestic lounge visits: 8 a year
- Minimum income: ₹2,50,000 a year
Read from Punjab National Bank’s own page on 2026-10-06.
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