PNB RuPay Platinum Credit Card

The PNB RuPay Platinum Credit Card, issued by Punjab National Bank, offers diverse rewards and perks. For a joining fee of Rs. 500, receive 300 Welcome Reward Points on the first swipe. Earn 1 Reward Point per Rs. 100 spent and an additional 50 Points by enrolling in E-bill. Enjoy complimentary access to domestic and international airport lounges for an enhanced travel experience.

Key Highlights of PNB RuPay Platinum Credit Card

Unlock unparalleled benefits with the PNB RuPay Platinum Credit Card.

  1. No annual or joining fee if the card is used once in a quarter.
  2. Earn 300+ reward points on your first card usage.
  3. Exclusive cashback in categories like utility bills, eateries, and restaurants.
  4. Enjoy comprehensive insurance coverage for added security.
  5. Access 24/7 concierge services for your convenience.
  6. Utilize the user-friendly mobile app “PNB GENIE” – your one-stop solution.
  7. Benefit from 300+ merchant offers to enhance your savings.
  8. Revel in complimentary access to both international and domestic airport lounges.

Features and Benefits of PNB RuPay Platinum Credit Card

The PNB RuPay Platinum Credit Card offers several features and benefits:

1. Fees:

  • Enjoy an annual fee and joining fee waiver by using the card at least once per quarter in the previous year.

2. Reward Points:

  • Earn 300+ reward points on your initial card usage.

3. Cashback Offers:

  • Receive cashback on utility bills, as well as dining and restaurant expenses.

4. Insurance Offer:

  • Access comprehensive insurance coverage.

5. Concierge Service:

  • Utilize the 24×7 concierge service for travel and hotel bookings, or receive gift suggestions.

6. Mobile App:

  • Manage your credit card efficiently through the ‘PNB GENIE’ App. Clear bills and set standing instructions with ease.

7. Merchant Offers:

  • Benefit from exclusive discounts and offers at over 300 participating merchants using the card.

PNB RuPay Platinum Credit Card Fees and Charges

Explore the fee structure for the PNB RuPay Platinum Credit Card and discover the financial advantages that come with it.

  1. Joining Fee: Nil
  2. Free Interest Period: 20-50 days
  3. Annual Fee: Rs.500
  4. Credit Limit Over Usage: 2.5% or Rs.500
  5. Finance Charges:2.95% per month
  6. Card Replacement Fee: Rs.150
  7. Late Payment Fee:
  • Nil if Rs.100 or less
  • Rs.200 if between Rs.101 to Rs.1,000
  • Rs.500 if Rs.1,001 to Rs.5,000
  • Rs.600 if Rs.5,001 to Rs.10,000
  • Rs.750 if above Rs.10,000

Eligibility Criteria for PNB RuPay Platinum Credit Card

Here are essential criteria for applying for an PNB RuPay Platinum Credit Card:

  1. Nationality: Eligible candidates include Indian citizens or non-resident Indians (NRIs).
  2. Employment Status: A stable source of income is a prerequisite for the primary applicant.
  3. Age: The applicant must be a minimum of 18 years old.
  4. Credit Score: A favorable CIBIL score significantly influences the approval of the application.

Documents Required for PNB RuPay Platinum Credit Card

To apply for the PNB RuPay Platinum Credit Card, you will typically need to provide the following documents:

1. Identity Proof:

  • PAN Card
  • Driving Licence
  • Passport
  • Voter ID Card
  • Aadhar Card

2. Residential Proof (choose one):

  • Ration Card
  • Voter ID Card
  • Utility Bills
  • Letter from a recognized public authority

3. Income Proof:

For Salaried Individuals:

  • Salary Slip
  • Salary Certificate
  • Form 16

For Self-employed Individuals:

  • PAN Card
  • Income Tax Return (ITR)
  • Form 60/61

How to apply for PNB RuPay Platinum Credit Card?

Follow these steps to apply for the PPNB RuPay Platinum Credit Card online:

  1. Navigate to PNB’s official website.
  2. Access the ‘Resource Centre’ section.
  3. Choose ‘Credit Card Application Form.’
  4. Download and complete the form.
  5. Gather necessary documents.
  6. Submit the filled form and documents to the nearest branch.

Frequently Asked Questions (FAQs)

1. What is the PNB RuPay Platinum Credit Card?

The PNB RuPay Platinum Credit Card is a credit card offered by Punjab National Bank (PNB) in association with RuPay. It comes with various benefits and features designed to enhance your shopping and lifestyle experiences.

2. How do I apply for a PNB RuPay Platinum Credit Card?

You can apply for the PNB RuPay Platinum Credit Card by visiting the official PNB website or by visiting a PNB branch. Fill out the application form and provide the necessary documents as per the bank’s requirements.

3. What are the key features of the PNB RuPay Platinum Credit Card?

The key features include attractive reward points, cashback on specific transactions, airport lounge access, fuel surcharge waiver, and other lifestyle benefits.

4. How can I check the status of my PNB RuPay Platinum Credit Card application?

You can check the status of your credit card application online through the PNB website or by contacting the customer service helpline.

5. What is the credit limit on the PNB RuPay Platinum Credit Card?

The credit limit is determined based on your creditworthiness and financial profile. PNB will assess your income, credit history, and other factors to determine an appropriate credit limit.

6. Is there an annual fee for the PNB RuPay Platinum Credit Card?

Details about the annual fees and other charges can be found in the terms and conditions provided by PNB. Typically, credit cards may have an annual fee, but some cards offer a waiver based on spending patterns.

7. How do I earn reward points on the PNB RuPay Platinum Credit Card?

You can earn reward points by making eligible transactions using your PNB RuPay Platinum Credit Card. These points can be redeemed for a variety of rewards, including merchandise, gift vouchers, and more.

8. What is the interest rate on outstanding balances?

The interest rate on outstanding balances, also known as the Annual Percentage Rate (APR), is mentioned in the terms and conditions. It is crucial to be aware of this rate to manage your credit responsibly.

9. How do I pay my PNB RuPay Platinum Credit Card bill?

You can pay your credit card bill through various channels such as online banking, mobile banking, at PNB branches, or through electronic payment methods. The details are provided on the credit card statement.

10. Is the PNB RuPay Platinum Credit Card accepted internationally?

Yes, the PNB RuPay Platinum Credit Card is accepted globally wherever RuPay cards are accepted. However, it’s recommended to inform the bank about international usage to prevent any inconvenience.