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REWARD POINTS CARD

PNB Rupay Platinum Card

Punjab National Bank

RuPay card with ₹500 annual fee, 1 reward point per ₹100 (₹0.25 per point), lounge visits (2 domestic a quarter, 2 international a year) and personal accident insurance of ₹2 lakh.

Annual fee is waived only if the card is used at least once in each quarter of the preceding year. Income criterion ₹2,50,000 a year. Points redeemable from a minimum of 1,000.

PNB Rupay Platinum Card
ANNUAL FEE
₹500
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Complimentary airport lounge access: 2 domestic visits per quarter and 2 international visits per year.
BEST FOR
Included: May suit applicants with annual income of ₹2,50,000 or more who can use the card each quarter to keep the fee waived.
Included: May suit those wanting a RuPay card with airport lounge visits and UPI compatibility.
Included: May suit cardholders who transact every quarter and so may qualify for the annual fee waiver.
Limitation: Those who do not use the card each quarter may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Welcome points apply only to the first swipe within 90 days of receiving the card.
Condition: Personal accidental insurance of ₹2 lakh is listed among key features.

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
Waived if the card is 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: Complimentary airport lounge access: 2 domestic visits per quarter and 2 international visits per year.
Included: Complimentary lounge access: 2 domestic visits per quarter and 2 international visits per year.
Included: Personal accidental insurance of ₹2 lakh; UPI compatible.
Included: 1 reward point per ₹100 spent, valued at ₹0.25 per point.
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.