PNB Rupay Platinum Review 2026
Last reviewed:
Quick verdict
The most affordable credit card on this list, ideal for those who want to build credit history with minimal cost. The RuPay network means seamless UPI linkage for everyday payments. Limited rewards, but the ₹2 Lakh insurance cover adds genuine value for budget-conscious users.
Pros
- RuPay card — can be linked to UPI for scan-and-pay rewards
- Accessible eligibility — minimum income around ₹12,000/month
Cons
- 3.5% + GST forex markup makes it expensive abroad
- No complimentary airport lounge access
- Interest of 3.49% per month (41.88% p.a.) if you carry a balance
Key benefits
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
Fees & charges at a glance
| Joining Fee | ₹99 + GST |
|---|---|
| Annual Fee | ₹299 + GST |
| Rewards | 2 reward points per ₹100 on all spends |
| Welcome Benefit | None |
| Lounge Access | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST |
| Interest Rate | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹1,50,000 |
| Add-On Card Fee | Free |
| Min Income | ₹12,000/month |
| Network | RuPay |
| Contactless | Yes |
| EMI Conversion | No |
Who should get this card?
The PNB Rupay Platinum is best suited for budget users. It is a entry level card on the RuPay network, and Punjab National Bank generally looks for a minimum income of ₹12,000/month. If your spending matches its reward categories (2 reward points per ₹100 on all spends), the card can pay for its annual fee of ₹299 + GST. If not, a lifetime-free card may give you better net value.
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PNB Rupay Platinum: frequently asked questions
What is the annual fee of the PNB Rupay Platinum?
The PNB Rupay Platinum has a joining fee of ₹99 + GST and an annual fee of ₹299 + GST. Many banks waive the renewal fee when you cross a yearly spend milestone — check the latest waiver condition with Punjab National Bank.
What rewards does the PNB Rupay Platinum give?
2 reward points per ₹100 on all spends. RuPay network — works with UPI. Low annual fee.
Does the PNB Rupay Platinum offer airport lounge access?
No. The PNB Rupay Platinum does not include complimentary airport lounge access. If lounge access matters to you, look at travel cards in our best travel credit cards list.
What is the eligibility and minimum income for the PNB Rupay Platinum?
Punjab National Bank typically requires a minimum income of ₹12,000/month for the PNB Rupay Platinum, along with a good credit score (750+ improves approval chances), age of 21 or above, and valid KYC documents (PAN and Aadhaar).
What is the interest rate on the PNB Rupay Platinum?
The PNB Rupay Platinum charges 3.49% per month (41.88% p.a.) on unpaid balances. Interest is avoided completely if you pay the full statement amount by the due date every month.
What is the forex markup on the PNB Rupay Platinum?
The foreign currency markup on the PNB Rupay Platinum is 3.5% + GST. Cards with a 2% or lower markup are better for frequent international travel and foreign-currency online shopping.
Can I link the PNB Rupay Platinum to UPI?
Yes. The PNB Rupay Platinum is a RuPay card, so you can link it to UPI apps such as Google Pay, PhonePe and Paytm and pay at merchant QR codes.
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