PNB Rupay Platinum Credit Card

The various features and benefits of the credit are:

Fees – Get annual fee and joining fee waiver when the card is used at least once in each quarter of the previous year.

Reward Points – Get 300+ reward points on first usage.

Cashback Offers – Get cash back on paying utility bills, eateries and restaurant bills.

Insurance Offer – Avail comprehensive insurance coverage.

Concierge Service – Customers can use the 24×7 concierge service to make travel bookings, hotel bookings or get gift suggestions.

Mobile App – Use ‘PNB GENIE’ App to clear credit card bills, set standing instructions and so on.

Merchant Offers – Customers can use the card to avail discounts and other offers at over 300 merchants.

PNB Rupay Platinum Credit Card
Good For: People who want a basic credit card People who want rewards People who want a low annual fee credit card	Bad For: Customers who want to earn air miles Customers who want premium serivces Customers who want extensive offers on their credit card

Fees/Charges	Amount
Joining Fee	Nil
Annual Fee	Rs. 500
Add-on Card Fee	Nil
Finance Charges	2.95% per month/35.89% per annum
Cash Advance Charges	PNB ATM – 2% of amount/Min. Rs. 100 Other ATMs – 2% of amount/ Min. Rs. 150 Overseas – 2% of amount/ Min. Rs. 250
Late Payment Fees	Nil – Amount less than Rs. 100 Rs.200 – Amount between Rs. 101 and Rs. 1,000 Rs. 500 – Amount between Rs. 1,001 and Rs. 5,000 Rs. 600 – Amount between Rs. 5,001 and Rs. 10,000 Rs. 750 – Amount over Rs. 10,001
Charges on Over Limit Account	2.5% of the amount or Rs. 500
Payment dishonour Fee	Rs. 200 per instrument
Card Replacement Fee	Rs. 200
Foreign Currency Transaction Fee	3.50% of the amount
GST	18%

Punjab National Bank provides credit card to those customers who meet the following criteria:

• Salaried individuals must be between the ages of 21 and 60 years
• Self-employed individuals should be between 21 and 65 years of age

Besides this the Bank seeks PAN card, Aadhaar card, Form-60 along with other documents to establish proofs of identity, address and income.

This credit card is currently not being provided on Paisabazaar’s platform. Those who wish to apply for the card can either visit the official website of PNB or can apply by visiting the nearest branch.

What is the interest free grace period on this credit card?
The interest free grace period on this credit card is 20 to 50 days.

What is the annual fee for PNB Rupay Platinum Credit Card?
The annual fee on this credit card is Rs. 500 which will be waived if customer uses their credit card every quarter in the previous year.

What offers and benefits does this card offer?
Punjab National Bank regularly updates its offers on credit cards. Currently customers can avail discounts on movie ticket bookings made via BookMyShow.

Who can avail PNB Rupay Platinum Credit Card?
Indian citizens who are between 21 and 65 years of age with a steady source of income can apply for this credit card.

Does PNB Rupay Platinum Credit Card offer concierge service?
Yes, this card does offer concierge services to the user.