PNB EMT RuPay Platinum Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

Earn 300 reward points with your initial transaction. Enjoy a 1% fuel surcharge waiver on every transaction. Receive complimentary access to both international and domestic lounges.

The PNB EMT RuPay Platinum Credit Card is a travel-centric card that offers a range of benefits and features.

With a joining fee of Rs. 2,000 + GST and a renewal fee of Rs. 2,000 + GST, this card provides excellent value for travelers.

One of the standout features of this card is the reward program.

With a reward type of Reward Points, cardholders can accumulate points with each transaction.

Additionally, upon joining, users receive a welcome benefit voucher worth ₹3,000 for flight, hotel, and holiday bookings.

Furthermore, the cardholder will earn 300 reward points on their initial transaction.

While this card doesn't offer specific benefits for movie dining, shopping, or travel, it does provide attractive benefits for frequent flyers.

Cardholders can enjoy complimentary eight annual visits to domestic lounges (two per quarter) and two complimentary airport lounge accesses per year for international lounges.

Furthermore, the PNB EMT RuPay Platinum Credit Card offers insurance benefits, providing coverage for accidental death and personal total disability up to Rs. 2 lakhs.

Additionally, the annual fee can be waived on spends of Rs. 1 lakh, making it easier to enjoy the card's features without additional charges.

When it comes to financial aspects, there is no rewards redemption fee.

The foreign currency markup is reasonable at 0.035, and the interest rate is relatively low at 0.0295.

Cardholders can enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹4000, which is a notable advantage for those frequently on the road.

Cash advances are available at a rate of 0.02.

In conclusion, the PNB EMT RuPay Platinum Credit Card is an ideal choice for travel enthusiasts.

With its generous welcome benefit, complimentary lounge access, and insurance coverage, it offers great value.

While it may not cater to specific movie dining, shopping, or travel benefits, the card's overall features make it a strong option for frequent travelers.