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REWARD POINTS CARD

PNB Patanjali RuPay Platinum Card

Punjab National Bank

Earns 1 reward point per ₹100, with 2% cashback above ₹2,500 at Patanjali (ceiling ₹50), a first-usage bonus of 300+ points and lounge visits.

Annual fee waiver needs at least one use each quarter of the preceding year. Cashback has a ceiling of ₹50. Points redeem from 1,000 points at ₹0.25 each.

PNB Patanjali RuPay Platinum Card
ANNUAL FEE
₹500
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
2% cashback on transactions above ₹2,500 at authorised Patanjali store/website
BEST FOR
Included: May suit those who shop at Patanjali stores or its website and use the card at least once every quarter
Included: May suit spends at authorised Patanjali stores or website
Included: May suit those who use the card at least once every quarter
Included: May suit those wanting lounge visits each quarter and year
Limitation: Those wanting higher reward rates may wish to compare other cards.
Limitation: Those expecting a high reward point value (₹0.25 per point) may wish to compare other cards.
Limitation: Those who rarely use a card may wish to compare other cards.
Limitation: Those who shop little at Patanjali, given the ceiling of ₹50 on cashback may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward points can be redeemed from a minimum of 1,000 points
Condition: Contactless transactions are allowed up to ₹5,000 for a single transaction

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
₹500
Fee waived at
Card used at least once in each quarter in the preceding year
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
Recorded — count not stated — 2 per quarter
International airport lounge
Recorded — count not stated — 2 per year
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
Not stated
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 2% cashback on transactions above ₹2,500 at authorised Patanjali store/website
Included: 1 reward point per ₹100 at ₹0.25 per point
Included: Complimentary lounge access: domestic 2 per quarter, international 2 per year
Included: Personal accidental insurance of ₹2,00,000; UPI compatible
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.