Who can apply for the PNB Salary RuPay Platinum Credit Card?

PNB salary account holders under the EXCEL scheme with gross monthly income above ₹25,000.

Is the card lifetime free?

Yes, while you maintain a salary account under the eligible PNB scheme.

Punjab National BankRuPay

PNB Salary RuPay Platinum Credit Card

Banking RelationshipPlatinumRuPay

PNB Salary RuPay Platinum Credit Card

Lifetime-free salary card with lounge access

Annual feeLifetime Free

Rewards1.00%

Forex markup3.5%3.50% of the transaction value

Apply Now Check Eligibility →

Secure · Free · No spam calls

Rewards

Base earn rate

One reward point for every ₹100 spent, with UPI merchant payments enabled.

Detailed reward breakdown not available from source

Lounge access

Domestic

4visits / year

International

1visits / year

Fees & charges

Joining fee: ₹0 (Free)
Annual / renewal fee: Lifetime free
Annual fee waiver: Lifetime free while a salary account is maintained under the eligible PNB scheme.
Interest rate: 2.95% per month
Overlimit fee: 2.5%
Forex markup: 3.50% of the transaction value

Late payment

Nil up to ₹1,000; ₹500 for ₹1,001–₹5,000; ₹600 for ₹5,001–₹10,000; ₹750 above ₹10,000

View official MITC →

Eligibility

Income (salaried): ₹25,000/month

NRI eligible: No

Features

✓ Contactless✓ Chip & PIN✓ UPI linkage✓ International usage

Additional features

Lifetime free with an eligible salary account
Domestic and international lounge visits
Quarterly Myntra and ride vouchers
Annual health check-up and OTT membership

FAQs

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📖 Guides about this card

🔧 Useful tools

Punjab National BankRuPay

PNB Salary RuPay Platinum Credit Card

Banking RelationshipPlatinumRuPay

PNB Salary RuPay Platinum Credit Card

Lifetime-free salary card with lounge access

Annual feeLifetime Free

Rewards1.00%

Forex markup3.5%3.50% of the transaction value

Apply Now Check Eligibility →

Secure · Free · No spam calls

Rewards

Base earn rate

One reward point for every ₹100 spent, with UPI merchant payments enabled.

Detailed reward breakdown not available from source

Lounge access

Domestic

4visits / year

International

1visits / year

Fees & charges

Joining fee: ₹0 (Free)
Annual / renewal fee: Lifetime free
Annual fee waiver: Lifetime free while a salary account is maintained under the eligible PNB scheme.
Interest rate: 2.95% per month
Overlimit fee: 2.5%
Forex markup: 3.50% of the transaction value

Late payment

Nil up to ₹1,000; ₹500 for ₹1,001–₹5,000; ₹600 for ₹5,001–₹10,000; ₹750 above ₹10,000

View official MITC →

Eligibility

Income (salaried): ₹25,000/month

NRI eligible: No

Features

✓ Contactless✓ Chip & PIN✓ UPI linkage✓ International usage

Additional features

Lifetime free with an eligible salary account
Domestic and international lounge visits
Quarterly Myntra and ride vouchers
Annual health check-up and OTT membership

PNB Salary RuPay Platinum Credit Card

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Guides and tools

PNB Salary RuPay Platinum Credit Card

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Guides and tools