PNB RuPay Platinum Credit Card
Best for entry-level RuPay card for UPI spends. 300+ reward points on first use; standard reward points
Terms as of 2026-09-27 · Checked 30 September 2026PNB RuPay Platinum Credit Card at a glance
Who it suits: Entry-level RuPay card for UPI spends
Rewards & cashback
| Details | |
|---|---|
| How you earn | 300+ reward points on first use; standard reward points |
| Welcome benefit | 300+ reward points on first usage |
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Forex markup | 3.50% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | ₹500 + GST |
| Fee waiver | Annual fee waived if used once a quarter |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Age | 21-70 (Luxura page) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Kiwi YES Bank RuPay Credit Card (Klick) | YES Bank | Free / Free | 1.50% base value | UPI spends on credit |
| Axis Bank ACE | Axis Bank | ₹499 / ₹499 | 1.50% base value | Flat cashback on all spends plus bill payments via GPay |
| Tata Neu Infinity HDFC Bank | HDFC Bank | ₹1,499 / ₹1,499 | 1.50% base value | Tata ecosystem shoppers (BigBasket, Croma, Tata CLiQ, Air India via N… |
| HSBC RuPay Cashback | HSBC India | ₹499 / ₹499 | 1.00% base value | UPI + dining cashback; 0% forex promo till 31 Dec 2026 |
| Standard Chartered Smart | Standard Chartered | — / ₹499 | 1.00% base value | Online shoppers wanting simple cashback; 0.99%/month 3-month EMI |
| Union Bank RuPay Select | Union Bank of India | Free / ₹550 | 1.00% base value | Low-fee RuPay card with lounge and UPI |
Frequently asked questions
What is the annual fee of the PNB RuPay Platinum Credit Card?
Joining fee Free and annual fee ₹500 (plus 18% GST). Annual fee waived if used once a quarter.
What rewards does it offer?
300+ reward points on first use; standard reward points
What is the forex markup?
3.50% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹4,130.
Is the PNB RuPay Platinum Credit Card good for me?
Best for: Entry-level RuPay card for UPI spends. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: pnbcard.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Punjab National Bank’s website before applying. FinancePortal is not affiliated with the issuer.