PNB RuPay Platinum Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

For every retail purchase of Rs. 100 made with your PNB RuPay Platinum Credit Card, you will earn 1 Reward Point. By registering for E-bills, you will receive 50 Reward Points. Additionally, there is a welcome bonus of 300 Reward Points. The redemption process for Reward Points is simple and hassle-free. You will also have complimentary access to domestic and international lounges. The card provides coverage for accidental insurance and a waiver of 1% fuel surcharge. Based on your spending, you may qualify for an annual fee waiver. Furthermore, in the event of a lost card, you are not liable for any unauthorized transactions.

The PNB RuPay Platinum Credit Card is an excellent choice for those who love to travel and shop.

With a joining fee and renewal fee of Nil, this card offers great value for money.

One of the best features of this card is the reward type, which is Reward Points.

You can earn 1 Reward Point for every Rs. 100 spent on shopping, making it perfect for those who love to indulge in retail therapy.

The welcome benefit of 300 Reward Points is a nice perk that you can enjoy when you first get this card.

However, there is no specific benefit for movie dining.

For travel enthusiasts, this card offers some great features.

You get complimentary airport lounge access every year, allowing you to relax and unwind before your flight.

Additionally, you can enjoy up to 2 complimentary domestic and international lounge access every quarter, making your travel experience even more luxurious.

While this card does not offer any golf benefits, it does provide insurance cover for personal accidents, which can give you peace of mind during your travels.

One of the standout features of this card is the spend based waiver.

If you use your PNB RuPay Platinum Credit Card at least once every quarter, the renewal fee will be waived off.

This is a great way to save money and enjoy the benefits of this card without any additional charges.

When it comes to rewards redemption, there is no fee involved, making it hassle-free to enjoy your earned rewards.

For foreign currency transactions, there is a markup of 3.5%, which is fairly average compared to other credit cards in the market.

The interest rate on this card is 2.95% per month, which is in line with industry standards.

Additionally, for fuel transactions between Rs. 500 and Rs. 3,000, the 1% fuel surcharge is waived off.

If you need cash in hand, you can use this card for cash advance.

The fee for cash advance is 2% of the amount withdrawn or Rs. 100 (whichever is higher) at PNB ATMs, Rs. 150 at other ATMs, and Rs. 250 at overseas ATMs.

In conclusion, the PNB RuPay Platinum Credit Card is a great card for frequent travelers and avid shoppers.

With its travel and shopping benefits, reward points, and waiver options, it offers a lot of value without any joining or renewal fees.