Last updated: |Data verified from official bank sources
Mid-Range
PNB RuPay Platinum
Punjab National Bank
Best for: PSU bank customers wanting RuPay benefits
₹499
Annual Fee
2%
Reward Rate
N/A
Forex Markup
2/quarter
Domestic Lounge
None
Intl Lounge
Best for: PSU bank customers wanting RuPay benefits
Fees & Charges
Joining Fee₹0
Annual Fee₹499
Fee WaiverSpend ₹50K annually
Rewards
TypePoints
Base Rate2 pts/₹100
Effective Return2%
Lounge Access
Domestic2/quarter
InternationalNone
Railway Lounge4/quarter
Eligibility
Minimum Income₹3.0L/year
Welcome Benefits
Benefit300 points on first use
Estimated Value₹75
Available on: RuPay
Frequently Asked Questions
What is the annual fee for PNB RuPay Platinum?▼
PNB RuPay Platinum has an annual fee of ₹499. Spend ₹50K annually
What rewards does PNB RuPay Platinum offer?▼
PNB RuPay Platinum offers 2 pts/₹100 on all spends, with an effective value of 0.5%.
Does PNB RuPay Platinum have lounge access?▼
Yes, PNB RuPay Platinum offers 2/quarter domestic lounge visits per quarter.
What is the minimum income required for PNB RuPay Platinum?▼
The minimum income requirement for PNB RuPay Platinum is ₹3.0 lakhs per annum.
Information sourced from Punjab National Bank official website. Last verified: February 2026.
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