PNB Rupay Platinum Credit Card

Reward Point Benefits

Get more than 300 reward points on your first transaction.

Cashback Benefits

Avail cashback benefits on paying your utility bills, and dining expenses

Insurance Benefits

With this card, get a comprehensive insurance package.

Fuel Surcharge Benefits

The fuel surcharge of 1% will be waived on all transactions.

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

1. If Rs.100 or Less - Nil
2. Between Rs.101 to Rs.1,000 - Rs.200
3. Rs.1,001 to Rs.5,000 - Rs.500
4. Rs.5,001 to Rs.10,000 - Rs.600/-
5. Above Rs.10,000 - Rs.750

Minimum amount due

5% of the total amount due

Duplicate statement fee

Rs.50

Foreign currency transaction

3.50%

Cash advance

2% of the cash withdrawn or Rs.100 at PNB ATMs (higher amount will be taken)

Age 

Primary card: 21 - 70 years  Add-on card: Minimum 18 years  Credit Card against FD: Minimum 18 years, no upper limit 

Educational Qualification 

Applicant must be literate 

Independent Financial Means 

Primary card: Must have independent financial means; proof of income required  Add-on card: Can be issued without independent means; liability lies with primary cardholder  Credit Card against Term Deposit/FDR: Secured by lien on FD, independent means not required 

Minimum Income 

Net annual income of Rs. 5,00,000 or equivalent net monthly salary (supported by salary slips, account statements, or ITR) 

Co-branded Cards (Patanjali Employees) 

Minimum net monthly income: Rs. 10,000 (annual Rs. 1,20,000)  Credit limit: 1 month’s net income if monthly salary < Rs. 20,834  Above Rs. 20,834: Limit as per general guidelines 

PAN Card & Email ID 

Valid PAN card required; email ID mandatory 

Proof of Address 

Valid KYC document showing full address 

Application Form 

Completed PNB Credit Card application form 

Proof of Identity & Address 

Any latest Official Valid Document (OVD) as per KYC guidelines 

Proof of Income 

PNB Customers – Salaried/Pensioners:  • Salary/pension credited in PNB account ≥ Rs. 41,667/month (3 months) → No further proof required  • Otherwise: Latest IT return/Form 16 or 3-month account statement  Non-PNB Customers – Salaried/Pensioners: Latest IT return/Form 16 and 3-month account statement  Non-Salaried / Other: Latest IT return for last 2 years and 3-month account statement 

PAN Card 

Copy of valid PAN card 

Photograph 

Recent passport-sized photograph 

PNB Branch 

Step 1: Visit any PNB branch.  Step 2: Request the PNB RuPay Platinum Credit Card application form.  Step 3: Fill in the form with accurate personal, contact, and financial details.  Step 4: Attach required documents (proof of identity, address, income, PAN, photograph).  Step 5: Submit the form at the branch counter.  Step 6: The bank will verify documents and process the application. 

Online – DIY (Do It Yourself) 

Step 1: Go to the official website of PNB Bank Step 2: Locate the 'Apply Now' link for the RuPay Platinum Credit Card.  Step 3: Fill the online application form with personal, financial, and KYC details.  Step 4: Upload scanned copies of required documents:  • Proof of identity and address  • PAN card  • Proof of income  • Photograph  Step 5: Review all details carefully and submit the form online.  Step 6: Receive acknowledgment and reference number for tracking. 

Internet Banking 

Step 1: Log in to your PNB Internet Banking account.  Step 2: Navigate to the 'Credit Cards' section.  Step 3: Select 'Apply for New Card' and choose RuPay Platinum Credit Card.  Step 4: Complete the online application form and provide required information.  Step 5: Upload supporting documents as instructed.  Step 6: Submit the application. Confirmation receipt and reference number will be generated. 

PNB One Mobile Application 

Step 1: Open the PNB One mobile app on your smartphone.  Step 2: Go to the 'Credit Card' section and select 'Apply for New Card.'  Step 3: Choose the RuPay Platinum Credit Card.  Step 4: Fill in the online form with all personal and financial details.  Step 5: Upload required documents using the app (camera or gallery).  Step 6: Submit the application. An acknowledgment message with a reference number will be provided. 

Missed Call 

Step 1: Give a missed call from your registered mobile number to 1800-180-5555.  Step 2: Receive an SMS with a link to the online application form.  Step 3: Open the link and complete the form with personal and financial information.  Step 4: Upload all required documents.  Step 5: Submit the application and note down the reference number for tracking. 

QR Code 

Step 1: Scan the QR code provided by PNB (from brochures, branch posters, or online resources) using your smartphone.  Step 2: The code will direct you to the online application form.  Step 3: Complete the form with all required personal and financial details.  Step 4: Upload supporting documents as per instructions.  Step 5: Submit the application and retain the acknowledgment or reference number.