RuPay
Punjab National BankPNB RuPay Platinum Credit Card
JoiningFREE
Annual₹500/yr
Reward1%
Credit
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Lifetime-free salary card with wider lounge access
Independent comparison platform. Not affiliated with Punjab National Bank. Full disclaimer
Base earn rate
Two reward points for every ₹150 spent, with UPI merchant payments enabled.
International
2visits / year
Late payment
Nil up to ₹1,000; ₹500 for ₹1,001–₹5,000; ₹600 for ₹5,001–₹10,000; ₹750 above ₹10,000
Additional features
Rewards / year
₹1,998
≈ 0.33% effective
Annual fee
₹0
no published waiver
Net steady-state return
+₹1,998/year
Strong fit at this spend
At ₹50,000/month, rewards outrun the fee by ₹1,998 a year.
Based on published rates as of 2026-08-07; assumes 1 PNB Credit Card reward point = Rs 0.25, per PNB portal notice effective 01/09/2024 (issuer-stated redemption value).. Rewards estimates, not guarantees.
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Punjab National Bank🔒 Secure & Free
Punjab National Bank🔒 Secure & Free
Punjab National Bank🔒 Secure & Free