RuPay
Punjab National BankPNB RuPay Platinum Credit Card
JoiningFREE
Annual₹500/yr
RewardReward points on eligible spends, plus 300+ reward points on first usage.
Credit
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🔒 Secure & Free
Punjab National BankRuPay
PNB Patanjali RuPay Select Credit Card
Co-BrandedMidRuPay✦ Patanjali
PNB Patanjali RuPay Select Credit Card
Patanjali co-branded RuPay Select
Annual fee₹750
RewardsDouble reward points on retail merchandise, plus 300+ reward points on first usage.
Forex markup3.5%3.50% of the transaction value
Secure · Free · No spam calls
Independent comparison platform. Not affiliated with Punjab National Bank. Full disclaimer
Welcome benefits
300+ reward points on first card usage
Rewards
Base earn rate
Double reward points on retail merchandise, plus 300+ reward points on first usage.
Fees & charges
- Joining fee
- ₹500
- Annual / renewal fee
- ₹750
- Annual fee waiver
- Annual fee waived when the card is used at least once each quarter in the preceding year.
- Add-on card fee
- ₹500
- Interest rate
- 2.95% per month
- Overlimit fee
- 2.5%
- Forex markup
- 3.50% of the transaction value
Late payment
| Outstanding amount | Late fee |
|---|---|
| ₹0 – ₹1,000 | ₹0 |
| ₹1,001 – ₹5,000 | ₹500 |
| ₹5,001 – ₹10,000 | ₹600 |
| Above ₹10,001 | ₹750 |
Eligibility
NRI eligible: No
Co-branded with Patanjali for its customer base; open to resident individuals meeting the bank’s assessment. UPI-linkable RuPay card.
Features
✓ Contactless✓ Chip & PIN✓ UPI linkage✓ International usage
Additional features
- Cashback at Patanjali stores
- Double reward points on retail merchandise
- Domestic and international lounge programme
- UPI-linked payments via QR
FAQs
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