PNB Patanjali Credit Cards

PNB Patanjali Credit Cards offer similar benefits to its users. However, with ‘Select’ variant, you can avail complimentary lounge access every year. Below mentioned are some of the common benefits of PNB Patanjali Rupay Select Credit Card and PNB Patanjali Rupay Platinum Credit Card:

• 300+ reward points on the first usage
• 2X rewards points on retail merchandise
• Comprehensive insurance coverage
• Over 300 merchant offers from top brands
• 2% cashback (Max. Rs. 50 per transaction) on all transactions above Rs. 2,500 at Patanjali stores
• 5-7% additional cashback to Patanjali Swadeshi Samridhi Card customers on recharge using PNB Patanjali Credit Card

Apart from the above-mentioned benefits, the ‘Select’ variant offers complimentary domestic as well as international lounge access every year to its users.

Below mentioned are the applicable fees and charges for PNB Patanjali Credit Cards:

Type of Fee or Charge	Amount
Joining Fee	Rs. 500 (PNB Patanjali Rupay Select Credit Card) Nil if card is used once in a quarter (PNB Patanjali Rupay Platinum Credit Card)
Annual/ Renewal Fee	Nil if card is used once in a quarter
Finance Charges	2.95% p.m. (35.89% p.a.)
Late Payment Charges	For Outstanding Balance: Below Rs. 1,000: Nil Rs. 1,001 to Rs. 5,000: Rs. 500 Rs. 5,001 to Rs. 10,000: Rs. 600 Above Rs. 10,000: Rs. 750

The applicant must fufill the below-mentioned eligibility criteria to apply for any of the PNB Patanjali Credit Cards:

Criteria	Details
Age Requirement	18 to 60 years
Occupation	Salaried or Self-employed
Documents Required	Click here to check the list of acceptable documents

Suggested Read: Top PNB Credit Cards

PNB Patanjali Credit Cards are co-branded credit cards that offer basic benefits like reward points, cashback and insurance coverage to its users. However, being co-branded credit cards, both the credit cards provide maximum benefits to the loyal customers of Patanjali. PNB Patanjali Credit Cards can be a good choice for people who frequently make purchases at Patanjali stores or have Patanjali Swadeshi Samridhi Card.

Overall, if you want to avail basic benefits, then you can opt for PNB Patanjali Rupay Platinum Credit Card. However, if you want to avail complimentary domestic and international lounge access along with the basic benefits and are ready to pay a joining fee, then you can apply for PNB Patanjali Rupay Select Credit Card. Before applying for any of the credit cards, you must analyze your spending behavior and repayment capacity to make a right decision.

Q. How can I apply for PNB Patanjali Rupay Select Credit Card?

A. You can apply for any of the PNB Patanjali Credit Cards via both online and offline modes. If you want to apply online, you can visit the official website of the bank to fill out the application form. You can also apply offline by visiting the nearest branch of the bank to proceed with the application.

Q. Does PNB Patanjali Credit Cards incur cash advance charges?

A. Yes, the bank charges a cash advance fee of 2% of the withdrawn amount or Rs. 100 (whichever is higher) for withdrawing cash using your credit card. Therefore, it is advisable not to withdraw cash using your credit card as it can hamper your credit score.

Q. Can I avail 2% cashback on every transaction via PNB Patanjali Credit Cards?

A. No, you can only avail 2% cashback on your transactions above Rs. 2,500. This is applicable only on your transactions at Patanjali stores. Also, you can avail a maximum cashback of Rs. 50 in a single transaction.

Q. What should I do if I lost my PNB Patanjali Rupay Platinum Credit Card?

A. As soon as you lose your credit card, you must inform the bank by calling on the PNB Credit Card Customer Care Number. The bank representative will immediately block your credit card to prevent it from any fraudulent transaction. You can also report the loss of your credit card online through the official website of the bank.

Q. What is the maximum credit limit for PNB Patanjali Credit Cards?

A. The credit limit is decided by the bank after scrutinizing your application. You will get to know your credit limit only after the successful verification. The bank considers various factors like credit score, income, repayment capacity and more while deciding your credit limit.

Q. How can I activate PNB Patanjali Rupay Platinum Credit Card?

A. You can activate any of the PNB Patanjali Credit Cards online by visiting the official website of the bank or offline by calling on the customer care number. You can ask the bank representative to activate your credit card. Apart from this, you can also activate your credit card by texting the PNB ACTIVATE 16-digital credit card number to 22566808.