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PNB Patanjali RuPay Platinum Credit Card

A Patanjali co-branded RuPay Platinum card with nil joining and annual fee when used quarterly, 1 point per ₹100, ₹2% Patanjali-store cashback and 5–7% recharge cashback.

Cashback2% at Patanjali stores above ₹2,500 capped at ₹50 per transaction; 5–7% recharge cashback.Rewards1 reward point per ₹100 spent, plus 300+ points on first usage.Offers2% cashback at Patanjali stores above ₹2,500 capped at ₹50 per transaction; 5–7% recharge cashback; 300+ merchant offers.
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Quick eligibility check

PNB Patanjali RuPay Platinum Credit Card

0 of 6 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: co-brand employee policy may allow reduced income route?

Published source: Minimum income

2Are you this type of customer: Eligible Patanjali co-brand/customer segment?

Published source: Eligibility

3Do you meet this requirement: PNB credit assessment applies?

Published source: Eligibility

4Do you meet this requirement: Patanjali co-brand eligibility and PNB assessment?

5Does your annual income meet this requirement: co-brand employee income concessions are covered in the linked application policy?

6Document checkDo you have this required document or proof: PNB card application, KYC, PAN and income proof; Patanjali employment/co-brand proof where applicable?

Published source: Eligibility
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual / renewal feeNil when used once in each quarter in the preceding year.View source
Nil when used once in each quarter in the preceding year.
Source
PNB Patanjali RuPay Platinum Credit Card
Page / section
Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Fee waiverNil joining and annual fee when used once in each quarter.View source
Nil joining and annual fee when used once in each quarter.
Source
PNB Patanjali RuPay Platinum Credit Card
Page / section
Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilityEligible Patanjali co-brand/customer segment; PNB credit assessment applies.View source
Eligible Patanjali co-brand/customer segment; PNB credit assessment applies.
Source
PNB Patanjali RuPay Platinum Credit Card
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APR35.89% per annum on regular revolving credit; 19.56% per annum for FD-backed cards.View source
Current PNB fee schedule publishes these rates.
Source
PNB Schedule of Fees and Charges
Page / section
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Monthly finance charge2.95% per month regular; 1.5% per month for FD-backed cards.View source
Current PNB fee schedule publishes these rates.
Source
PNB Schedule of Fees and Charges
Page / section
Finance charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Foreign-currency markup3.50% of the transaction amount over and above the currency-conversion rate; GST and other applicable charges may also apply. PNB's schedule exempts the Metal Card Luxura variants, which have a separate nil-markup rule.View source
The current schedule states: nil markup for PNB Metal Card Luxura (RuPay/Visa) and 3.50% markup for all other cards, over and above the currency conversion rate.
Source
PNB Schedule of Fees & Charges for Credit Card
Page / section
Page 3, row 18: Foreign currency transaction
Accessed
12 Sept 2026
Confidence
high
Open official source ↗
Cashback2% at Patanjali stores above ₹2,500 capped at ₹50 per transaction; 5–7% recharge cashback.View source
2% at Patanjali stores above ₹2,500 capped at ₹50 per transaction; 5–7% recharge cashback.
Source
PNB Patanjali RuPay Platinum Credit Card
Page / section
Offers
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Rewards1 reward point per ₹100 spent, plus 300+ points on first usage.View source
1 reward point per ₹100 spent, plus 300+ points on first usage.
Source
PNB Patanjali RuPay Platinum Credit Card
Page / section
Rewards and benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Offers2% cashback at Patanjali stores above ₹2,500 capped at ₹50 per transaction; 5–7% recharge cashback; 300+ merchant offers.View source
2% cashback at Patanjali stores above ₹2,500 capped at ₹50 per transaction; 5–7% recharge cashback; 300+ merchant offers.
Source
PNB Patanjali RuPay Platinum Credit Card
Page / section
Prominent features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
NetworkRuPay PlatinumView source
RuPay Platinum
Source
PNB Patanjali RuPay Platinum Credit Card
Page / section
Product heading
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Nil joining and annual fee when used once each quarter
  • 300+ activation points and 1 point per ₹100
  • 2% Patanjali-store cashback above ₹2,500 capped at ₹50 per transaction
  • 5–7% Patanjali Swadeshi Samridhi recharge cashback
  • Insurance and 300+ merchant offers

Eligibility

  • Patanjali co-brand eligibility and PNB assessment; co-brand employee income concessions are covered in the linked application policy.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • PNB card application, , and income proof; Patanjali employment/co-brand proof where applicable

Related official documents

PNB Schedule of Fees and Chargesofficial-fee-schedule-pdf · current · accessed 30 Aug 2026
↗
PNB Credit Card Portal — current card-type catalogueofficial-credit-card-catalogue · current · accessed 5 Oct 2026
↗
PNB revised credit-card service charges effective 1 November 2026official-future-effective-credit-card-fee-schedule-pdf · all-seven-pages-text-and-visual-review-complete · accessed 8 Oct 2026
↗
PNB Schedule of Fees & Charges for Credit Cardofficial-pdf · current · accessed 12 Sept 2026
↗
PNB Patanjali RuPay Platinum Credit Cardofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,475one thousand four hundred seventy-five rupees
Balance after that interest₹51,475fifty-one thousand four hundred seventy-five rupees
Monthly rate × 1235.4%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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PNB Visa Gold Credit Card · IncomeMinimum gross annual income ₹3.50 lakh.

This value is copied from PNB standard and co-branded cards — published terms. Check the table notes before relying on it.

Source: PNB card product pages · Card variants and linked product pages Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 6 columnsPNB standard and co-branded cards — published termsCurrent income, fees, rewards, contactless and partner offers.View tableHide table

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PNB standard and co-branded cards — published terms
CardIncomeFeesRewards / offersLoungeNetwork
PNB Visa Gold Credit CardMinimum gross annual income ₹3.50 lakh.Nil joining fee; ₹300 annual fee.1 reward point per ₹100 spent. Fuel-surcharge waiver and merchant offers; offer values are not published.Not published for Visa Gold.Visa Gold
PNB Wave & Pay Credit CardMinimum gross annual income ₹5 lakh under PNB's Visa Platinum criteria.Visa Platinum joining/annual schedule applies; Wave & Pay page does not publish a separate fee.2 reward points per ₹150 under the Visa Platinum reward programme. Contactless payment up to ₹5,000 without /signature; ₹6,000 daily no- limit.Complimentary domestic lounge benefit is published for Visa Platinum; quota not published on Wave & Pay page.Visa Platinum (Wave & Pay)
PNB Patanjali RuPay Platinum Credit CardNot published for the general Patanjali Platinum variant; co-brand employee policy may allow reduced income route.Nil joining and annual fee when used once in each quarter.1 reward point per ₹100 spent, plus 300+ points on first usage. 2% cashback at Patanjali stores above ₹2,500 capped at ₹50 per transaction; 5–7% recharge cashback; 300+ merchant offers.Not published on the Patanjali Platinum page.RuPay Platinum
PNB Kiwi RuPay Select Co-branded Credit CardGross annual income ₹2.50 lakh and above.Virtual joining nil; physical joining ₹500; annual ₹750, waived at ₹1.50 lakh previous-year spends.0.5% cashback as Kiwis online and 1.5% cashback as Kiwis on scan-and-pay; monthly cap 1% of credit limit. Dynamic monthly merchant offers of 5–15%; exclusions apply to listed categories.Not published on the Kiwi product page.RuPay Select
PNB card product pages · Card variants and linked product pages · accessed 30 Aug 2026Open official source ↗
Table 2 · 10 rows · 2 columnsPNB credit cards — common fees and chargesCurrent schedule rows shared by PNB credit-card variants. Product-specific joining and annual fees are shown in each product's facts; Luxura's separate nil foreign-currency markup is preserved.View tableHide table

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PNB credit cards — common fees and charges
Charge or rulePublished amount or condition
Finance charge2.95% per month; 1.5% per month for cards against fixed deposit
Annualised percentage rate ()35.89% per annum; 19.56% per annum for cards against bank lien on fixed deposit
Foreign-currency transactionNil markup for Metal Card Luxura (RuPay/Visa); 3.50% for all other cards over the currency-conversion rate
Fuel surcharge1% of fuel transaction amount, exclusive of taxes, refunded for ₹400–₹4,000 transactions up to ₹350 per statement cycle
Free interest period20–50 days on retail purchases when the previous month's balance is cleared in full; not applicable after cash withdrawal
Minimum amount due5% of total amount due, or another amount PNB determines; amounts are added in full
Cash-advance limit20% of the credit limit
PNB plan2% processing fee (minimum ₹200); 18% p.a. finance charge; 3% prepayment charge, nil for cards against fixed deposit
Instant 2% processing fee (minimum ₹100); 12% p.a. for 3/6/9/12 months and 14% p.a. for 18/24 months; nil prepayment charge
Tax and change notice applies to fees, interest and other charges; schedule is subject to change by PNB
PNB Schedule of Fees & Charges for Credit Card · Pages 1–3, rows 1–27 and footnotes · accessed 12 Sept 2026Open official source ↗
Table 3 · 31 rows · 4 columnsPNB cash-advance fees — current and revised from 1 November 2026The revised schedule is stated to be exclusive of applicable GST. The source's existing card/network groups are retained alongside the broad future VISA/RuPay rate.View tableHide table

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PNB cash-advance fees — current and revised from 1 November 2026
channelCard group as named in the noticeExisting charge shown by PNBRevised charge from 1 November 2026
Domestic, PNB RuPay Platinum, RuPay BLISS Platinum, PNB Salary Platinum, PNB 2% of cash withdrawn or ₹100, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB PNB SVANidhi Credit CardCash withdrawal not allowed.The revised column gives a general /RuPay rate and does not repeat this specific no-withdrawal statement.
Domestic, PNB PNB Metal Credit Card LUXURA; PNB LUXURA for Indian Army personnel2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB PNB Patanjali RuPay Platinum2% of cash withdrawn or ₹100, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB PNB Patanjali RuPay Select2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB PNB co-branded card2% of cash withdrawn or ₹100, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB PNB Rakshak Platinum and PNB Rakshak Select2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB PNB GCC, and cards for Micro EnterprisesNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Domestic, PNB Classic, Gold, Platinum and Signature2% of cash withdrawn or ₹100, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB Corporate Gold and Platinum cards, with individual or corporate liabilityNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing corporate-card entry.
Domestic, other RuPay Platinum, RuPay BLISS Platinum, PNB Salary Platinum, PNB 2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select2% of cash withdrawn or ₹200, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other PNB SVANidhi Credit CardCash withdrawal not allowed.The revised column gives a general /RuPay rate and does not repeat this specific no-withdrawal statement.
Domestic, other PNB Metal Credit Card LUXURA; PNB LUXURA for Indian Army personnel2% of cash withdrawn or ₹200, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other PNB Patanjali RuPay Platinum2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other PNB Patanjali RuPay Select2% of cash withdrawn or ₹200, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other PNB Rakshak Platinum; PNB Rakshak SelectPlatinum: 2% or ₹150, whichever is higher; Select: 2% or ₹200, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other PNB GCC, and cards for Micro EnterprisesNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Domestic, other Classic, Gold, Platinum and Signature; PNB ZAGGLE Platinum2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other Corporate Gold and Platinum cards, with individual or corporate liabilityNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing corporate-card entry.
Overseas RuPay Platinum, RuPay BLISS Platinum, PNB Salary Platinum, PNB 2% of cash withdrawn or ₹250, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select2% of cash withdrawn or ₹300, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas PNB SVANidhi Credit CardCash withdrawal not allowed.The revised column gives a general /RuPay rate and does not repeat this specific no-withdrawal statement.
Overseas PNB Metal Credit Card LUXURA; PNB LUXURA for Indian Army personnel2% of cash withdrawn or ₹300, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas PNB Patanjali RuPay Platinum2% of cash withdrawn or ₹250, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas PNB Patanjali RuPay Select2% of cash withdrawn or ₹300, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas PNB Rakshak Platinum; PNB Rakshak SelectPlatinum: 2% or ₹250, whichever is higher; Select: 2% or ₹300, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas PNB GCC, and cards for Micro EnterprisesNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Overseas Classic, Gold, Platinum and Signature2% of cash withdrawn or ₹300, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas Corporate Gold and Platinum cards, with individual or corporate liabilityNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing corporate-card entry.
  • The source's revised cash-advance entries are worded generally for /RuPay credit-card variants. Existing-column exceptions for SVANidhi and corporate cards are not repeated in the revised column; this table preserves that omission rather than interpreting it as a confirmed rule change for those exceptions.
  • Revised charges are exclusive of applicable , as stated in the notice heading.
PNB revised service charges applicable on credit cards w.e.f. 1 November 2026 · Actual pages 1–4, complete cash-advance schedule for PNB , other domestic and overseas · accessed 8 Oct 2026Open official source ↗
Table 4 · 6 rows · 3 columnsPNB other credit-card service charges — current and revised from 1 November 2026Notice compares existing and revised late-payment, returned-payment, duplicate-statement, reward-redemption and utility-bill fees. The revised schedule is exclusive of applicable GST.View tableHide table

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PNB other credit-card service charges — current and revised from 1 November 2026
ChargeExisting fee/condition shown by PNBRevised fee/condition effective 1 November 2026
Late payment — general /RuPay variantsTotal amount due ₹1,000 or less: nil; ₹1,001–₹5,000: ₹500; ₹5,001–₹10,000: ₹600; above ₹10,000: ₹750.Total amount due ₹500 or less: nil; ₹501–₹1,000: ₹500; ₹1,001–₹10,000: ₹750; ₹10,000–₹50,000: ₹1,000; above ₹50,000: ₹1,200.
Late payment — cards against fixed deposit30% of minimum amount due, minimum ₹200 and maximum ₹500 per billing cycle for the listed Classic, Gold, Platinum, Signature, RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select and ZAGGLE RuPay Select variants. For Metal LUXURA/Army fixed-deposit cards, charges are the same as normal LUXURA.For the listed fixed-deposit card variants, 30% of minimum amount due, minimum ₹200 and maximum ₹500 per billing cycle. Metal LUXURA/Army fixed-deposit card charges remain the same as normal LUXURA, as stated by PNB.
Returned cheque / dishonoured / auto debit₹200 per instrument for all variants except: Classic/Gold ₹100; Platinum/Signature ₹250; Metal LUXURA/Army ₹200; cards against fixed deposit ₹100. RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select, RuPay Platinum, RuPay BLISS Platinum, Salary Platinum and : ₹200 per instrument. GCC//cards for Micro Enterprises: .For /RuPay credit-card variants: 2% of payment amount, minimum ₹400. Cards against fixed deposit: ₹100 per instrument. For Metal LUXURA/Army cards against fixed deposit, charges are the same as normal LUXURA.
Duplicate statement beyond three months₹50; no charge for e-statements, and no charge for cards against fixed deposit for Platinum and Signature. For others, ₹50 with no charge for e-statements. Metal LUXURA/Army fixed-deposit cards follow normal LUXURA charges.For /RuPay credit-card variants: ₹50 for any month; no charge for an e-statement. Metal LUXURA/Army fixed-deposit cards follow normal LUXURA charges.
Reward redemptionNil.For /RuPay credit-card variants: ₹99 per redemption request.
Utility-bill paymentsNil.For /RuPay credit-card variants: 1% of total utility payments if they exceed ₹50,000 in a billing cycle; maximum ₹2,000 per transaction.
  • Thresholds and card groups are reproduced from the notice. The late-payment slab uses a ₹10,000 boundary on both adjacent lines; the printed text is retained as published rather than silently normalized.
  • Revised charges are exclusive of applicable , as stated in the notice heading.
PNB revised service charges applicable on credit cards w.e.f. 1 November 2026 · Actual pages 4–6, complete late-payment, returned-payment, duplicate-statement, reward-redemption and utility-fee sections · accessed 8 Oct 2026Open official source ↗

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