PNB RuPay Platinum Card
Punjab National Bank
A genuinely no-cost card if you use it at least quarterly — real lounge access without a stated fee.
Free
Joining fee
Free
Annual fee
Annual fee (Rs 500) waived if the card is used at least once each quarter.
3.5%
Forex markup
4.0 / 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: 21–60
Self-employed age range extends to 65. Requires PAN, Aadhaar, and income proof documentation.
Lounge access
Domestic: NOT offered — explicitly listed as a notable limitation, 'not mentioned in card features' (Paisabazaar)
International: not offered
Key features
- 300+ welcome reward points
- Cashback on utility bills, eateries and restaurants
- Complimentary domestic + international lounge access (visit count not quantified)
Reward details
- Cashback available (specific rate not detailed in this fetch) on Utility bills and restaurant payments
Welcome bonus: 300+ reward points on first usage
- 24/7 concierge booking assistance; comprehensive insurance coverage; discounts at 300+ merchants; PNB GENIE app for bill management. Interest-free grace period 20-50 days; finance charges 2.95% monthly (35.89% annually).
Real-world feedback
Paisabazaar's own characterization: 'a basic rewards card' with 'limited premium benefits' and no air-miles/travel focus; best suited for budget-conscious customers seeking basic rewards and low annual fees.
Sources
- Official — general PNB Cards & Services homepage only, no card-specific product page located
- Aggregator — fees, eligibility, lounge, rewards, sentiment