{"id":85369,"date":"2026-03-02T16:10:14","date_gmt":"2026-03-02T10:40:14","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85369"},"modified":"2026-03-02T16:10:19","modified_gmt":"2026-03-02T10:40:19","slug":"pnb-rakshak-rupay-platinum-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/pnb-rakshak-rupay-platinum-card\/","title":{"rendered":"PNB Rakshak RuPay Platinum Card Designed for Serving Heroes"},"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<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No joining fee with a \u20b9500 annual fee waiver.<\/li>\n\n\n\n<li>Earn 1 reward point per \u20b9100 spent.<\/li>\n\n\n\n<li>Get 300+ reward points on first use.<\/li>\n\n\n\n<li>Card limit ranges from \u20b925,000 to \u20b95,00,000.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>PNB introduced the Rakshak RuPay credit cards under the Rakshak Plus Scheme for serving personnel, veterans, and trainees. You can choose RuPay Platinum or RuPay Select.<\/p>\n\n\n\n<p>The PNB Rakshak RuPay Platinum Card, co-partnered with RuPay, offers reward points, cashback, and insurance benefits. It has no joining fee, a \u20b9500 annual fee, which is waived when you use the card once in each quarter.<\/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=\"#pnb-rakshak-ru-pay-platinum-card-benefits\">PNB Rakshak RuPay Platinum Card Benefits<\/a><\/li><li><a href=\"#points-to-note-about-the-pnb-platinum-rakshak-rupay-credit-card\">Points to Note About the PNB Platinum Rakshak Rupay Credit Card<\/a><\/li><li><a href=\"#pnb-rakshak-ru-pay-platinum-card-charges\">PNB Rakshak RuPay Platinum Card Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pnb-rakshak-ru-pay-platinum-card-benefits\"><strong>PNB Rakshak RuPay Platinum Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Rakshak-Benefits-1024x683.png\" alt=\"PNB Rakshak RuPay Platinum Card Benefits\" class=\"wp-image-85371\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Rakshak-Benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Rakshak-Benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Rakshak-Benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Rakshak-Benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Rakshak-Benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>Start strong with 300+ reward points on first usage, and that is just the beginning. You also earn 1 reward point for every \u20b9100 spent.<\/p>\n\n\n\n<p>Other privileges include:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Cashback and Offers:<\/strong> Receive exclusive cashback on utility bills, eateries, and restaurant payments. Access 300+ merchant offers across categories.<\/li>\n\n\n\n<li><strong>Interest-Free Period:<\/strong> Enjoy a free credit period of 20 to 50 days on purchases.<\/li>\n\n\n\n<li><strong>Insurance and Assistance:<\/strong> Get comprehensive insurance coverage with 24\/7 concierge support.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"points-to-note-about-the-pnb-platinum-rakshak-rupay-credit-card\"><strong>Points to Note About the PNB Platinum Rakshak Rupay Credit Card<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Minimum annual income required is \u20b92.50 lacs.<\/li>\n\n\n\n<li>Card limit starts at \u20b925,000 and goes up to \u20b95,00,000.<\/li>\n\n\n\n<li>Contactless transactions allow spending up to \u20b95,000 per transaction.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pnb-rakshak-ru-pay-platinum-card-charges\"><strong>PNB Rakshak RuPay Platinum Card Charges<\/strong><\/h2>\n\n\n\n<p>The card carries a finance charge of 2.95% per month, which equals 35.89% annually.<\/p>\n\n\n\n<p>Refer to the table below to see the <a href=\"https:\/\/www.pnbcard.in\/Documents\/KeyFactStatement.pdf\" target=\"_blank\" rel=\"noopener\">full list of applicable charges<\/a> for the PNB Platinum Rakshak Rupay Credit Card:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Cash Advance Charges for Platinum Cards<\/td><td>2% or min. \u20b9100 (for PNB ATMs)&nbsp;2% or min. \u20b9150 (for other ATMs)&nbsp;2% or min. \u20b9250 (for overseas ATMs)&nbsp;<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% or min. \u20b9500&nbsp;<\/td><\/tr><tr><td>Card Replacement Fee<\/td><td>\u20b9250<\/td><\/tr><tr><td>Cheque Dishonour Fee<\/td><td>\u20b9250<\/td><\/tr><tr><td>Late Payment Fee<\/td><td>Less than \u20b91000: NIL&nbsp;From \u20b91001 &#8211; above \u20b910,000, it ranges between \u20b9500 &#8211; \u20b9750.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1To stay clear of late fees, manage your repayments with smart alerts. The <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a> helps you receive monthly reminders, settle dues in minutes, and check payment status anytime. Take charge of your credit card bills with ease.<\/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\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Foreign currency transactions attract a 3.50% markup over the applicable currency conversion rate.<\/li>\n\n\n\n<li>Earn the reward points when you make your first retail or online transaction within 90 days of receiving the card.<\/li>\n\n\n\n<li>Cheque return or ECS\/auto debit failure attracts \u20b9250 per instrument. Outstation cheques are not accepted other than for credit card payments.<\/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-1772447357401\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the PNB Rakshak RuPay Platinum Card application process?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>There are many options to apply for this card. You can use the PNB website, internet banking, PNB One App, ATM request, SMS, helpline numbers, or visit a branch for assistance.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772447439042\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can you manage contactless transaction settings?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can activate or deactivate contactless transactions through the PNB Genie Credit Card mobile app or by visiting pnbcard.in. Go to the \u2018Transaction Preferences\u2019 menu and enable or disable the required transaction rights easily.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772447452791\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the PNB credit card helpline number?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can call 18001802345 toll-free or 0120-4616200 for assistance. You may also write to creditcardpnb@pnb.co.in for support or queries related to your card.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways PNB introduced the Rakshak RuPay credit cards under the Rakshak Plus Scheme for serving personnel, veterans, and trainees. You can choose RuPay Platinum or RuPay Select. The PNB Rakshak RuPay Platinum Card, co-partnered with RuPay, offers reward points, cashback, and insurance benefits. It has no joining fee, a \u20b9500 annual fee, which is [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85370,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85369","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\/85369","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\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85369"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85369\/revisions"}],"predecessor-version":[{"id":85372,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85369\/revisions\/85372"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85370"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85369"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85369"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85369"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}