{"id":85436,"date":"2026-03-03T17:41:37","date_gmt":"2026-03-03T12:11:37","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85436"},"modified":"2026-03-03T17:42:02","modified_gmt":"2026-03-03T12:12:02","slug":"pnb-rupay-platinum-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/pnb-rupay-platinum-credit-card\/","title":{"rendered":"PNB RuPay Platinum Credit Card: Unlock Exclusive Travel and Lifestyle Perks"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways\u00a0<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Backed by comprehensive insurance coverage.<\/li>\n\n\n\n<li>100 reward points for opening an account within 15 days of card issuance.<\/li>\n\n\n\n<li>Complimentary domestic and international lounge access.<\/li>\n\n\n\n<li>Round-the-clock concierge services.<\/li>\n\n\n\n<li>Over 300 exclusive merchant offers.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The PNB RuPay Platinum credit card supports seamless UPI integration, along with offering 300+ merchant deals. It is backed by comprehensive insurance coverage, and you can get cashback on paying for restaurants and utility bills. <\/p>\n\n\n\n<p>Simply scan and pay to get reward points and then head to the PNB Rewardz portal for easy redemption.\u00a0 Let us unfold the benefits of this card to explore how it adds value to your everyday expenses.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#what-are-the-pnb-ru-pay-platinum-credit-card-benefits\">What are the PNB RuPay Platinum Credit Card Benefits?\u00a0\u00a0<\/a><\/li><li><a href=\"#how-to-earn-reward-points-on-the-pnb-ru-pay-platinum-credit-card\">How to Earn Reward Points on the PNB RuPay Platinum Credit Card?\u00a0\u00a0\u00a0<\/a><\/li><li><a href=\"#how-to-apply-for-pnb-ru-pay-platinum-credit-card\">How to Apply for PNB RuPay Platinum Credit Card?\u00a0<\/a><\/li><li><a href=\"#what-are-the-pnb-ru-pay-platinum-credit-card-charges\">What are the PNB RuPay Platinum Credit Card Charges?\u00a0<\/a><\/li><li><a href=\"#which-pnb-credit-cards-can-be-paired-with-the-pnb-ru-pay-platinum-credit-card\">Which PNB Credit Cards Can be Paired with the PNB RuPay Platinum Credit Card?\u00a0\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-pnb-ru-pay-platinum-credit-card-benefits\"><strong>What are the PNB RuPay Platinum Credit Card Benefits?&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-RuPay-Platinum-Benefits-1024x682.jpg\" alt=\"PNB RuPay Platinum Credit Card Benefits\" class=\"wp-image-85438\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-RuPay-Platinum-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-RuPay-Platinum-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-RuPay-Platinum-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-RuPay-Platinum-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-RuPay-Platinum-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The PNB Platinum Rupay credit card is advantageous to its customers by giving them immediate 250 cashback on spending on utility bills and eating out. All you need to do is connect your credit card with any UPI payment app and transact at least 2 transactions of 250 or above.&nbsp;<\/p>\n\n\n\n<p>Other advantages of this card include:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Travel and Medical Assistance<\/strong>: Get round-the-clock concierge services for on-time assistance with Visa-related issues, emergency medical support and more.\u00a0<\/li>\n\n\n\n<li><strong>Lounge Access<\/strong>: Get access to eligible domestic and international lounges twice in every quarter as per the <strong>PNB RuPay Platinum credit card lounge access<\/strong> program.<\/li>\n\n\n\n<li><strong>Accidental Insurance Coverage:<\/strong> It offers accidental insurance coverage of up to \u20b92,00,000.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-earn-reward-points-on-the-pnb-ru-pay-platinum-credit-card\"><strong>How to Earn Reward Points on the PNB RuPay Platinum Credit Card?&nbsp;&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>You can win up to 300 reward points within a month of acquiring the PNB Platinum RuPay credit card. Let us see how:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>100 reward points for opening an account within 15 days of card issuance and logging in to the PNB One app.<\/li>\n\n\n\n<li>100 reward points for making your first transaction of \u20b9100 or more within 15 days of logging in.\u00a0<\/li>\n\n\n\n<li>100 reward points for the first UPI transaction of \u20b9100 and above.\u00a0<\/li>\n<\/ol>\n\n\n\n<p>Additionally, you can earn:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>1 reward point for every \u20b9100 spent\u00a0<\/li>\n\n\n\n<li>4 reward points for every UPI transaction of \u20b950 and above via the PNB One app and BHIM PNB (max. 100 points weekly).<\/li>\n<\/ul>\n\n\n\n<p><strong>Note<\/strong>:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reward points are valid for 3 years from the date of accrual.<\/li>\n\n\n\n<li>Minimum reward points redemption requirement is 1,000.<\/li>\n\n\n\n<li>Redeem all your reward points on the <a href=\"https:\/\/rewardz.pnb.bank.in\/\" target=\"_blank\" rel=\"noopener\">PNB Rewardz portal<\/a>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-apply-for-pnb-ru-pay-platinum-credit-card\"><strong>How to Apply for PNB RuPay Platinum Credit Card?&nbsp;<\/strong><\/h2>\n\n\n\n<p>You can apply for the PNB RuPay Platinum credit card by visiting the Punjab National Bank&#8217;s official website and internet banking. Other channels include:&nbsp;&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>PNB One App\u00a0<\/li>\n\n\n\n<li>Punjab National Bank ATM<\/li>\n\n\n\n<li>Missed at 1800-180-5555\u00a0<\/li>\n\n\n\n<li>Dial 1800-180-2222, 1800-103-2222, or 0120- 2490000.\u00a0<\/li>\n\n\n\n<li>SMS \u2018PNBPROD\u2019 on 5607040 (Reply with the PNB Product code)\u00a0<\/li>\n\n\n\n<li>SMS \u2018INSTA Y\u2019 a 7092200200.\u00a0<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-pnb-ru-pay-platinum-credit-card-charges\"><strong>What are the PNB RuPay Platinum Credit Card Charges?&nbsp;<\/strong><\/h2>\n\n\n\n<p>The PNB RuPay Platinum credit card only has an annual fee of \u20b9500. However, it will drop if the card is used at least once in every quarter.&nbsp;<\/p>\n\n\n\n<p>Other charges include:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type&nbsp;<\/strong><\/td><td><strong>Amount<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>2.95% per month (35.89% yearly)&nbsp;1.5% per month for cards against FD (19.56% yearly)<\/td><\/tr><tr><td>Add-on Card Fee<\/td><td>NIL<\/td><\/tr><tr><td>Cash Advance Charges<\/td><td>2% or min. \u20b9100 (for domestic PNB ATMs)&nbsp;2% or min. \u20b9150 (for domestic other ATMs)&nbsp;2% or min. \u20b9250 (for overseas ATMs)&nbsp;<\/td><\/tr><tr><td>Late Payment Fee<\/td><td>Less than \u20b91000: NIL&nbsp;\u20b91001 &#8211; \u20b95,000: \u20b9500&nbsp;\u20b95001 &#8211; \u20b910,000: \u20b9600&nbsp;Above \u20b910,000: \u20b9750&nbsp;<\/td><\/tr><tr><td>Overlimit Fee<\/td><td>2.5% or min. \u20b9500&nbsp;<\/td><\/tr><tr><td>Card Replacement Fee<\/td><td>\u20b9250<\/td><\/tr><tr><td>Foreign Currency Exchange<\/td><td>3.5%&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"which-pnb-credit-cards-can-be-paired-with-the-pnb-ru-pay-platinum-credit-card\"><strong>Which PNB Credit Cards Can be Paired with the PNB RuPay Platinum Credit Card?&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>Since you are applying for the PNB RuPay Platinum credit card, you can consider the following options to get the maximum value:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>PNB Patanjali RuPay Select Card to earn 2X rewards on all retail purchases.\u00a0<\/li>\n\n\n\n<li>PNB Visa Signature credit card for 50% off on BookMyShow purchases.\u00a0<\/li>\n<\/ol>\n\n\n\n<p>\ud83d\udca1Say goodbye to last-minute bill payment rushes and welcome peace of mind by relying on <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice app<\/a>, a quick bill payment option to clear your dues promptly!<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnote\"><strong>Footnote<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Get a fuel surcharge waiver of up to \u20b9250 on transactions between \u20b9500 and \u20b94,000 within a statement cycle on the PNB RuPay Platinum credit card.\u00a0\u00a0<\/li>\n\n\n\n<li>Users can withdraw 20% of the available card limit.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1772539453016\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Where to report if I lose my PNB RuPay Platinum credit card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Ensure to immediately dial 1800 180 2345 to report if you lose your PNB RuPay Platinum credit card.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772539469687\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the PNB RuPay Platinum Eligibility Criteria?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Anyone aged between 21 and 70 years old with a stable annual income of \u20b92,50,000 can apply for the PNB RuPay Platinum credit card.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772539487150\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the PNB RuPay Platinum credit card limit?\u00a0<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The PNB RuPay Platinum credit card limit will be between \u20b925,000 and \u20b95,00,000.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways\u00a0 The PNB RuPay Platinum credit card supports seamless UPI integration, along with offering 300+ merchant deals. It is backed by comprehensive insurance coverage, and you can get cashback on paying for restaurants and utility bills. Simply scan and pay to get reward points and then head to the PNB Rewardz portal for easy [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85437,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85436","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85436","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85436"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85436\/revisions"}],"predecessor-version":[{"id":85439,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85436\/revisions\/85439"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85437"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85436"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85436"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85436"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}