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Features of the PNB Rupay Platinum Credit Card

  • Contactless Payment Technology: One of the standout features of the PNB RuPay Platinum Credit Card is its support for contactless payments. This technology allows cardholders to make quick and secure transactions by simply tapping the card on a Point of Sale (POS) terminal equipped with Near Field Communication (NFC). Transactions up to ₹5000 can be completed without entering a PIN, making it ideal for small, everyday purchases such as groceries, coffee, or public transport fares. The contactless feature enhances convenience, reduces transaction time, and aligns with modern payment trends where speed and efficiency are paramount. For larger transactions, a PIN may be required for added security, ensuring a balance between ease of use and protection against fraud. The contactless payment system is particularly beneficial in high-traffic environments like shopping malls, restaurants, or fuel stations, where quick transactions improve the customer experience. The card’s compatibility with RuPay’s contactless infrastructure ensures it is widely accepted across merchants in India, making it a practical tool for daily financial needs.
  • Reward Points Program: The PNB RuPay Platinum Credit Card offers a robust reward points program that incentivizes spending. Cardholders earn 1 Reward Point for every ₹100 spent on retail purchases, excluding specific categories like fuel, cash withdrawals, and jewelry. Additionally, new cardholders receive a welcome bonus of 300 Reward Points (equivalent to ₹150, as 1 Reward Point = ₹0.25) upon making their first transaction within 90 days of card issuance. This welcome bonus serves as an immediate incentive, encouraging cardholders to start using the card right away.
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    • Complimentary Lounge Access: Travel enthusiasts will appreciate the card’s complimentary lounge access feature. The PNB RuPay Platinum Credit Card offers 8 complimentary domestic lounge visits per year (2 visits per quarter) at select airports in India. Additionally, it provides 1 complimentary international lounge visit annually, enhancing the travel experience for cardholders who occasionally travel abroad. This feature is particularly valuable for frequent flyers or those who value comfort and convenience during layovers or delays. Lounge access includes amenities such as comfortable seating, complimentary food and beverages, Wi-Fi, and business facilities, making travel more enjoyable. The cardholder must present the PNB RuPay Platinum Credit Card and a valid boarding pass to avail of this benefit, ensuring seamless access to these exclusive facilities.
    • Comprehensive Insurance Coverage: The card includes comprehensive insurance coverage of up to ₹2 lakh for accidental death or permanent disability. This feature provides financial security to cardholders and their families in unforeseen circumstances. The insurance is automatically activated upon card issuance and does not require additional registration, making it a hassle-free benefit. This coverage is particularly appealing for individuals who prioritize financial protection and want a credit card that offers more than just transactional benefits.
    • Fuel Surcharge Waiver: The PNB RuPay Platinum Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4000 at fuel stations across India. The waiver is capped at ₹250 per billing cycle, providing significant savings for cardholders who frequently use their vehicles. This feature is particularly relevant in India, where fuel costs can add up, and the waiver applies to all fuel stations accepting RuPay cards, ensuring widespread usability.
    • Annual Fee Waiver: The card comes with a nominal joining fee of ₹500 and an annual fee of ₹500, but the annual fee can be waived if the card is used at least once every quarter. This spend-based waiver encourages regular use of the card while making it cost-effective for active cardholders. By making just one transaction every three months, cardholders can avoid the annual fee, effectively making the card free to maintain after the first year.
    • Wide Acceptance and UPI Integration: The PNB RuPay Platinum Credit Card is widely accepted at over 30,000 ATMs and approximately 400,000 merchant establishments in India, ensuring cardholders can use it for a variety of transactions, from shopping to dining to bill payments. Additionally, the card can be linked to UPI apps, allowing cardholders to make seamless digital payments for merchant transactions. This integration with UPI enhances the card’s versatility, catering to the growing popularity of digital payments in India.
    • Mobile App Integration with PNB Genie: The card is supported by the PNB Genie mobile app, which provides a user-friendly interface for managing card transactions, checking statements, paying bills, and setting up auto-debit instructions. The app also allows cardholders to track their reward points, monitor spending patterns, and receive real-time transaction alerts, enhancing transparency and control over finances.
    • Add-On Cards: The PNB RuPay Platinum Credit Card allows cardholders to issue up to two add-on cards for family members above 18 years of age at no extra cost. These add-on cards share the primary card’s credit limit and reward points program, making it convenient for families to manage shared expenses while earning rewards collectively.
    • Interest-Free Credit Period: Cardholders benefit from an interest-free credit period of 20 to 50 days, depending on the transaction date and billing cycle. This feature allows cardholders to make purchases and pay later without incurring interest, provided the outstanding balance is cleared in full by the due date. This flexibility is ideal for managing cash flow, especially for large purchases or unexpected expenses.
    • Concierge Services: The card offers 24/7 concierge services to assist with travel bookings, hotel reservations, gift suggestions, and event planning. This feature adds a layer of convenience for cardholders who lead busy lives and need assistance with lifestyle-related tasks. The concierge service is accessible via a dedicated helpline, ensuring prompt support whenever needed.
    • Merchant Discounts and Offers: Cardholders can avail discounts and cashback offers at over 300 merchant partners, including dining, shopping, and entertainment outlets. For example, the card offers discounts on movie ticket bookings via platforms like BookMyShow, making it appealing for leisure-focused customers. These offers are periodically updated, ensuring cardholders have access to fresh deals.
    • Zero Liability on Lost Cards: In case of card loss or theft, cardholders are protected with zero liability for unauthorized transactions, provided the loss is reported immediately to PNB’s 24-hour helpline. This feature ensures peace of mind, safeguarding cardholders from financial losses due to fraud.
    • Cash Advance Facility: The card allows cash withdrawals up to 20% of the credit limit, with a single transaction cap at 50% of the available cash limit. However, cash advances incur fees (2% of the withdrawn amount or ₹100–₹250, depending on the ATM) and a finance charge of 2.95% per month, making this a feature best used in emergencies.
    • Balance Transfer and EMI Options: The card offers a balance transfer facility, allowing cardholders to transfer outstanding balances from other credit cards to the PNB RuPay Platinum Credit Card at a lower interest rate. Additionally, large purchases can be converted into Equated Monthly Installments (EMIs), making it easier to manage high-value transactions. These features provide flexibility for cardholders with significant credit needs.
    • Advanced Security Features: EMV chip-enabled card ensures security against fraud. Two-factor authentication and real-time fraud monitoring add layers of protection during online transactions.
    • Customizable Credit Limits: Credit limits range from ₹25,000 to ₹5,00,000 based on your credit profile. Limit increases can be requested subject to approval by PNB.
    • Eco-Friendly Design: he card is designed with sustainability in mind, using eco-friendly materials where possible. This aligns with modern consumer preferences for environmentally conscious products and reflects PNB’s commitment to responsible banking.
    • Integration with Digital Wallets: The card can be linked to digital wallets like Paytm, PhonePe, or Google Pay, enabling cardholders to make seamless online and offline payments. This feature caters to tech-savvy users who prefer digital payment methods.
    • Exclusive RuPay Offers: As a RuPay card, it provides access to exclusive offers on the RuPay network, such as discounts on travel bookings, dining, and online shopping. These offers are periodically updated on the RuPay website, ensuring cardholders can maximize their savings.
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Benefits of the PNB RuPay Platinum Credit Card

  • Financial Savings Through Cashback and Discounts: The card offers cashback on utility bill payments, dining, and retail transactions, helping users save on everyday expenses. Cardholders can also avail discounts at over 300 partner merchants, including restaurants, retail stores, and entertainment platforms like BookMyShow.
  • Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹250 per billing cycle. This benefit is ideal for frequent drivers, reducing the effective cost of fuel across stations nationwide.
  • Reward Points on Every Spend: Earn 1 Reward Point for every ₹100 spent on retail purchases, with a welcome bonus of 300 points (worth ₹150). Points can be redeemed for vouchers, merchandise, or travel benefits via the PNB Rewardz portal, with a 3-year validity period.
    • Add-On Cards for Family Convenience: The ability to issue two add-on cards for family members (aged 18 and above) at no extra cost is a significant benefit for households.
    • EMI and Balance Transfer Options: The EMI facility allows cardholders to convert large purchases into affordable monthly installments, making it easier to manage high-value transactions.
    • Wide Merchant Acceptance: The card’s acceptance at over 400,000 merchant establishments and 30,000 ATMs in India ensures cardholders can use it for a wide range of transactions, from shopping to bill payments.
    • Enhanced Security Features: The card’s EMV chip and two-factor authentication for online transactions provide robust security, protecting cardholders from fraud and unauthorized use.
    • Exclusive RuPay Network Benefits: As a RuPay card, the PNB RuPay Platinum Credit Card provides access to exclusive offers on the RuPay network, such as discounts on online shopping, dining, and travel bookings.
    • Support for MSME Cardholders: For Micro, Small, and Medium Enterprises (MSMEs), the card is available in a variant with a credit limit up to ₹10 lakh, based on the working capital limit.
    • Eco-Conscious Design: The card’s eco-friendly design appeals to environmentally conscious consumers, reflecting PNB’s commitment to sustainability.
    • Customizable Financial Management: The PNB Genie app allows cardholders to customize their financial management by setting spending limits, tracking transactions, and managing reward points.
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How to Apply for the PNB RuPay Platinum Credit Card

  • Choose Your Preferred Application Method:
    • Apply online via the PNB Credit Card Portal or PNB One mobile app.
    • Visit the nearest PNB branch for in-person application support.
    • Use assisted services like PNB SARAL, available in select regions.
  • Online Application Process:
    • Go to the official PNB website or open the PNB One app.
    • Navigate to the Credit Cards section and select the RuPay Platinum Credit Card.
    • Click “Apply Now” or download the application form if prompted.
    • Enter accurate personal, employment, and financial information.
    • Upload required documents such as ID proof, address proof, and income proof.
    • Submit your application digitally and note the reference number for tracking.
  • Offline Application Process:
    • Visit your nearest PNB branch with both original and photocopies of the necessary documents.
    • Request or bring a filled copy of the RuPay Platinum Credit Card application form.
    • Submit the form along with your documents to the bank representative.
    • The branch will assist in verification and processing.
  • Apply via PNB SARAL or PNB One:
    • PNB SARAL: Visit a PNB agent or service point to apply with guided support.
    • PNB One: Log in to the mobile app and apply through the Credit Cards section. Pre-filled data will speed up the process for existing customers.
  • Track Your Application:
    • Use your application reference number to check the status via the PNB website, PNB Genie app, or customer care.
    • Call 8885545255 for status updates and assistance.
  • Receive the Credit Card:
    • Upon approval, the card will be delivered to your registered address within 7–14 working days.
  • Activating the Card:
    • Online: Activate your card via the PNB Genie app or PNB website.
    • Customer Care: Call 8885545255 for activation assistance.
  • Tips for a Successful Application:
    • Ensure accurate data entry and submit recent, legible documents.
    • Maintain a good credit score (recommended 720+) to improve chances of approval.
  • Common Application Challenges and Solutions:
    • Low Credit Score: Pay existing dues and avoid new loans before applying.
    • Incomplete Documentation: Use updated and clearly scanned proofs to prevent rejection.
    • Technical Issues: Try different browsers or use the mobile app if the site doesn’t load properly.
    • Delayed Income Verification: Ensure submission of current salary slips, bank statements, or ITRs.

Eligibility Criteria for the PNB RuPay Platinum Credit Card

  • Who Can Apply:
    • Designed for individuals seeking a basic, reliable credit card.
    • Suitable for salaried employees, self-employed individuals, and those new to credit.
  • Age Requirements:
    • Salaried Applicants: Must be between 21 and 60 years old.
    • Self-Employed Applicants: Can apply up to the age of 65 years.
    • Add-On Cardholders: Must be at least 18 years old.
  • Nationality:
    • Must be an Indian citizen or a resident of India.
    • NRIs may apply if they maintain a relationship with PNB for at least 6 months.
  • Income Threshold:
    • Minimum annual income of ₹1 lakh required for both salaried and self-employed individuals.
    • Makes the card accessible for entry-level earners and small business owners.
  • Employment Status:
    • Salaried: Must have stable employment and be able to submit salary slips or Form 16.
    • Self-Employed: Must demonstrate steady income and business continuity.
    • Pensioners: May be eligible by submitting recent pension slips or bank statements.
  • Credit Score and History:
    • Preferred credit score: 720+
    • Applicants with no credit history may still qualify with income proof, but may receive lower credit limits.
    • Clean repayment history and responsible credit behavior increase approval chances.
  • Existing PNB Customers:
    • Preferred if you’ve held a savings/current account or FD for 6+ months with consistent activity.
    • May be eligible for Pre-Qualified Credit Card (PQCC) offers for faster processing.
  • Add-On Card Eligibility:
    • Up to 2 add-on cards allowed for immediate family members (spouse, parents, or children above 18).
    • Add-on cardholders are not required to have independent income; credit limit is shared with the primary card.
  • KYC and Documentation:
    • Valid PAN card, Aadhaar card, and proof of income are required.
    • All applicants must comply with KYC norms as per RBI guidelines.
  • Tips to Strengthen Eligibility:
    • Ensure all documents are consistent and up-to-date.
    • Maintain a stable source of income and a clean banking record.
    • Avoid applying for multiple cards simultaneously to reduce hard inquiry impact.
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Documents Required for the PNB RuPay Classic Credit Card

  • Overview:
    • Submitting the correct documentation is critical to a smooth application process.
    • The documents verify identity, address, and income to assess your creditworthiness.
  • Identity Proof:
    • Aadhaar Card: Preferred for its widespread acceptance and linkage to government records.
    • PAN Card: Mandatory for tax and financial verification.
    • Voter ID Card: Serves as valid identity verification.
    • Passport: Also acceptable as address proof if required.
    • Driving License: Dual-purpose document for ID and address.
    • Ensure documents are valid with a clear photo and readable details; originals may be required for verification.
  • Address Proof:
    • Aadhaar Card (if not used as ID proof)
    • Passport with current address
    • Utility Bills (electricity, gas, or water – not older than 3 months)
    • Rental Agreement (registered, with utility bill in landlord’s name)
    • Recent bank statement or passbook entry showing your address
  • Income Proof:
    • Salaried Applicants:
      • Last 3 months’ salary slips or salary certificate
      • Form 16 or latest Income Tax Return (ITR)
    • Self-Employed Applicants:
      • Latest audited ITR for past 2 years
      • Balance sheet or profit-and-loss statement
      • Business continuity proof such as GST certificate
    • Pensioners:
      • Latest pension slips or bank statements showing pension credits (past 6 months)
  • Additional Documents:
    • Application Form: Available online at any PNB branch
    • 2–3 Recent Passport-Sized Photographs
    • Form 60: Only if PAN is not available (rarely applicable)
  • Tips for Successful Submission:
    • All documents must be up-to-date (issued within the last 3–6 months)
    • Ensure names and addresses match across all proofs
    • Self-attest all copies and carry originals for in-branch verification if required
    • Incomplete or mismatched documents can result in rejection

Factors Affecting Eligibility for the PNB RuPay Platinum Credit Card

  • Credit Score and History:
    • A score above 720, as reported by CIBIL or other credit bureaus, signals good creditworthiness.
    • PNB evaluates repayment history, including timely payments on loans, credit cards, or EMIs.
    • Defaults, high credit utilization, or frequent credit inquiries can lower your score, reducing approval chances or resulting in a lower credit limit (₹25,000 to ₹5,00,000).
  • Income Stability and Level:
    • The PNB RuPay Platinum Credit Card requires a minimum annual income of ₹1 lakh.
    • Salaried applicants with consistent paychecks or self-employed individuals with steady business income are preferred.
    • Irregular income or unverifiable sources can hinder approval.
  • Employment Type and Duration:
    • Salaried professionals with at least six months of continuous employment are preferred.
    • Self-employed individuals with a business operational for at least two years are more likely to qualify.
    • Employment stability indicates repayment capacity.
  • Existing Relationship with PNB:
    • Customers with savings accounts, fixed deposits, or loans with a good repayment history may receive pre-approved offers or faster processing.
    • The bank’s Pre-Qualified Credit Card (PQCC) program targets such customers, simplifying the application process.
  • Debt-to-Income Ratio:
    • A lower DTI (below 40%) indicates sufficient income to manage additional credit, improving approval odds.
    • High existing debt, such as multiple loans or credit card balances, may lead to rejection or a reduced credit limit.
  • Age and Residency:
    • Applicants under 21 or over 60 (salaried) or 65 (self-employed) may not qualify for the primary card.
    • Indian citizenship or residency is mandatory.
    • Non-residents must provide additional documentation such as proof of a local address or banking relationship.
  • Application Accuracy:
    • Accuracy and completeness of the application and documents are critical.
    • Errors in personal details, mismatched documents, or incomplete submissions can delay or derail the approval process.
    • Double-check your application before submission.

Frequently Asked Questions (FAQs) – PNB RuPay Platinum Credit Card

1. What is the PNB RuPay Platinum Credit Card?
The PNB RuPay Platinum Credit Card is a premium credit card issued by Punjab National Bank in partnership with the RuPay network. It offers exclusive lifestyle benefits, attractive reward points, and domestic lounge access, tailored for Indian customers.
2. Who is eligible to apply for the PNB RuPay Platinum Credit Card?
Applicants must be Indian residents, at least 21 years old (18 years for add-on cards), and have a stable source of income (salaried or self-employed). Credit history and financial documents may also be evaluated during the application process.
3. What are the main features of the PNB RuPay Platinum Credit Card?
Key features include:
- Complimentary domestic airport lounge access (2 per quarter)
- Reward points on every transaction
- Fuel surcharge waiver
- Personal accident insurance cover
- Contactless payment facility
4. What is the annual fee for the PNB RuPay Platinum Credit Card?
The annual fee is typically nominal or waived in the first year, and may continue to be waived in subsequent years based on minimum spend criteria. Specific charges should be confirmed with the bank.
5. How can I apply for a PNB RuPay Platinum Credit Card?
You can apply online through the official PNB website or visit a nearby PNB branch. You’ll need to fill out the application form and provide documents such as ID proof, address proof, income proof, and PAN card.
6. What documents are required for the credit card application?
Generally, you’ll need:
- Identity Proof (Aadhaar card, Passport, Voter ID)
- Address Proof (Utility bills, Aadhaar, Passport)
- PAN Card
- Income Proof (Salary slips, ITR, bank statements)
7. What is the credit limit on this card?
The credit limit is assigned based on the applicant’s income, credit score, and repayment history. PNB will communicate the assigned limit after processing your application.
8. Does the PNB RuPay Platinum Card offer reward points?
Yes, you earn reward points on every eligible purchase. These points can be redeemed for merchandise, gift vouchers, or discounts as per PNB’s rewards program.
9. Is there a fuel surcharge waiver?
Yes, PNB offers a fuel surcharge waiver (usually 1%) at petrol pumps across India on transactions within a specified limit (e.g., ₹400 to ₹4,000).
10. Does the card provide lounge access?
Yes, cardholders get complimentary access to select domestic airport lounges across India—typically 2 times per quarter, subject to usage and eligibility.
11. What is the interest-free period on the card?
The PNB RuPay Platinum Credit Card offers an interest-free credit period of up to 50 days, provided the outstanding balance from previous cycles is paid in full.
12. How can I check my credit card statement?
You can view or download your monthly credit card statements via:
- PNB Internet Banking
- PNB One Mobile App
- Email (if e-statements are enabled)
- Visiting your branch
13. What happens if I miss a payment?
Late payments attract penalty fees and interest charges. It may also negatively impact your credit score. It’s advisable to pay at least the minimum due before the due date.
14. Is there a contactless payment facility?
Yes, the PNB RuPay Platinum Credit Card supports contactless payments at enabled POS terminals. You can tap the card on the reader for fast and secure transactions.
15. How can I block or report a lost PNB RuPay Platinum Credit Card?
In case of loss or theft, immediately call PNB customer care or log in to your internet/mobile banking to block the card. You can also visit your home branch to report and request a replacement.

List of PNB RuPay Platinum Card Branches in Andhra Pradesh

  • Vijayawada - Governorpet
  • Vijayawada - Convent Street
  • Vijayawada - Bunder Road
  • Vijayawada - Labbipet
  • Vijayawada - Patamata
  • Visakhapatnam - MVP Colony
  • Visakhapatnam - Daba Gardens
  • Visakhapatnam - Madhurawada
  • Visakhapatnam - Dwaraka Nagar
  • Visakhapatnam - Gajuwaka
  • Guntur - Arundelpet
  • Guntur - Lakshmipuram
  • Guntur - Kothapet
  • Guntur - Pattabhipuram
  • Andhra Pradesh - Guntur
  • Tirupati - Tirumala
  • Tirupati - Balaji Nagar
  • Tirupati - Renigunta Road
  • Andhra Pradesh - Vijayawada
  • Andhra Pradesh - Visakhapatnam