PNB Patanjali RuPay Platinum Card
Punjab National Bank
The Platinum-tier Patanjali card — a visually distinct design from the Select tier.
Free
Joining fee
Free
Annual fee
Both joining and annual fee waived if the card is used at least once per quarter.
3.5%
Forex markup
3.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried or self-employed professionals (Paisabazaar); minimum income Rs 5,00,000/year per CardInsider, no income figure given by Paisabazaar.
Sources disagree: CardInsider: age 21-65 (supplementary 18-65), income Rs 5,00,000+/year. Paisabazaar: age 18-60, no income figure. Flagged, not resolved.
Key features
- 2% cashback at Patanjali stores over ₹2,500 (cap ₹50/transaction)
- 5-7% additional cashback on eligible recharges
- 300+ welcome points
Reward details
1 reward point per Rs 150 spent (CardInsider); Paisabazaar separately describes '2X rewards points on retail merchandise'
- 2% cashback on Patanjali store purchases above Rs 2,500 — Rs 50/transaction
Welcome bonus: 300 reward points (both sources agree)
Redemption
Ratio: 1 point = Rs 0.25 (CardInsider)
- Comprehensive insurance coverage and 300+ merchant offers (Paisabazaar).
Real-world feedback
CardInsider gave no specific praise/complaint commentary; Paisabazaar assigns a modest 2.5/5 rating suggesting only moderate cardholder satisfaction, without specific complaint text.
Sources
- Official (blocked when last checked) — unreachable in every attempt (ROBOTS_DISALLOWED / DNS connect timeout)
- Aggregator — fees, eligibility, lounge, rewards
- Aggregator — fees, lounge, rewards, sentiment