PNB RuPay Platinum Credit Card

The correct credit card can significantly impact our total financial well-being in an era where credit cards have become an essential component of our financial lives. One such product is the PNB RuPay Platinum Credit Card, which attempts to give cardholders a variety of advantages and features to improve their shopping experience. We’ll get into the main perks, features, and advantages of the PNB RuPay Platinum Credit Card in this article.

Key Features of PNB RuPay Platinum Credit Card:

Fee	Joining Fee Rs. 500 Renewal Fee Rs. 500
Best Suited For	Travel | Shopping
Reward Type	Reward Points
Welcome Benefits	300 Reward Points

Benefits of PNB RuPay Platinum Credit Card:

International Lounge Access:

• Every quarter, access to up to 2 international lounges is free.

Zero Liability Protection:

• Once the loss is reported to the bank via the 24 hour hotline number, the cardholder will not be held responsible for any unauthorised transactions made using the card.

Insurance Benefits:

There is personal accident insurance coverage.

Fuel Surcharge Waiver

• For all transactions between Rs. 500 and Rs. 3,000, all petrol stations in India waive the 1% fuel premium.
• For this card, the maximum monthly fuel surcharge waiver is Rs. 250.

Mobile App:

• To pay credit card bills, create standing orders, and other things, use the “PNB GENIE” app.

Merchant Offers:

• At more than 300 merchants, customers can use the card to take advantage of discounts and other perks.

Other benefits:

• Get more than 300 reward points on using the card for the first time.
• Avail a wide range of cashback offers on utility bills, dining expenses, etc.
• Comprehensive insurance coverage included with the credit card.

Fee’s and Charges on the PNB RuPay Platinum Credit Card:

Type of charge	Fee
Joining fee	Nil
Free interest period	20 – 50 days
Annual fee	Rs.500
Credit limit over usage	2.5% or Rs.500
Finance charges	2.95% per month
Card replacement fee	Rs.150
Late payment fee	If Rs.100 or Less – Nil Between Rs.101 to Rs.1,000 – Rs.200 Rs.1,001 to Rs.5,000 – Rs.500 Rs.5,001 to Rs.10,000 – Rs.600/- Above Rs.10,000 – Rs.750
Minimum amount due	5% of the total amount due

Eligibility to Apply for PNB RuPay Platinum Credit Card:

To qualify for any credit card, applicants must meet certain eligibility requirements depending on their age, income, credit score, place of residence, and other variables. The following are the basic requirements that you must meet in order to be approved for the PNB RuPay Select Credit Card:

• The principal cardholder must be between the ages of 21 and 65.
• The supplemental cardholder must be between the ages of 18 and 65.
• The candidate ought to be supported financially.

Required Documents for PNB RuPay Platinum Credit Card:

• Any legitimate government-issued identification or address document is acceptable.
• A PAN Card copy.
• A photo the size of a passport.
• Latest three months’ worth of pay stubs as evidence of income for salaried people.
• Latest ITR for independent contractors.

Comparison:

PNB RuPay Platinum Credit Card v/s PNB RuPay Millennial Credit Card:

	PNB RuPay Platinum Credit Card	PNB RuPay Millennial credit card
Fee	Joining Fee Rs. 500 Renewal Fee Rs. 500	Joining Fee Rs. 399 Renewal Fee Rs. 999
Best Suited For	Travel | Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	300 Reward Points	For retail and online purchases, you can receive 300 additional reward points when using a card for the first time within 90 days of issuance. Within 90 days after acquiring the card, earn 2x reward points on retail purchases and online transactions (apart from cash withdrawals and petrol).

PNB RuPay Platinum Credit Card v/s PNB RuPya Select Patanjali Credit Card

	PNB RuPay Platinum Credit Card	PNB RuPay Select Patanjali credit card
Fee	Joining Fee Rs. 500 Renewal Fee Rs. 500	Joining Fee Rs. 500 Renewal Fee Rs. 750
Best Suited For	Travel | Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	300 Reward Points	First transaction receives a 300 bonus Reward Points bonus and retail purchases made within the first 90 days earn twice as many Reward Points.

PNB RuPay Platinum Credit Card v/s PNB RuPya Platinum Patanjali Credit Card:

	PNB RuPay Platinum Credit Card	PNB RuPay Platinum Patanjali credit card
Fee	Joining Fee Rs. 500 Renewal Fee Rs. 500	Joining Fee Nil Renewal Fee Rs. 500
Best Suited For	Travel | Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	300 Reward Points	300 bonus Reward Points

Apply for PNB RuPay Platinum Credit Card:

Via Offline:

Obtain a physical application form from bank staff members, fill it out, and submit it along with the necessary documentation when you visit the Punjab National Bank branch that is the closest to you.

Via Online:

You can also print off the form from the PNB Card’s official wehttps://pnbcard.in/bsite, complete it with all the necessary information, and then take it to your nearby branch together with the necessary supporting documentation.

Contact PNB RuPay Platinum Credit Card:

Via Phone:

1800 180 2222 & 1800 103 2222 (Toll Free).

Via E-Mail:

care@pnb.co.in

Conclusion:

For those looking for a credit card that strikes a mix between convenience, incentives, and financial security, the PNB RuPay Platinum Credit Card offers a compelling alternative. This card accommodates a variety of spending preferences due to its acceptance across a wide range of merchants, domestic and foreign usability, and a range of advantages like rewards, insurance, and savings.

It is wise to examine the terms and conditions, costs, and features of the card before applying, as with any financial product. To decide if you are a good candidate for the PNB RuPay Platinum Credit Card, take into account your spending patterns, way of life, and financial objectives. This credit card can be a useful tool to improve your financial circumstances if it is utilised appropriately.

F.A.Q’s:

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