Punjab National Bank
Platinum · Global Platinum
PNB Global Platinum Credit Card
Punjab National Bank
Global acceptance with 2 RP per ₹100 and lounge access
Annual Fee
₹999
Joining Fee
₹999
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹5,821
Total Annual Benefits
₹7,000
Total Annual Charges
₹1,179
ROI
594%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (1)
2 RP per ₹100 on All Spends
Earn 2 reward points per ₹100 on all retail purchases
- • Excludes cash advances and quasi-cash
2 RP per ₹100
Airport Lounge Access (1)
Domestic Lounge Access
4 complimentary domestic airport lounge visits per year
- • Swipe card at participating airport lounges
4 visits/year
₹8,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹400–₹4,000
- • Max ₹200 per statement cycle
1% waiver
₹2,400/yr
Reward Program
Program
PNB Reward Points
2 reward points per ₹100
Effective cashback: 0.50%
Points expire: 3 years from date of accrual
Redemption Options
- → Gift cards and vouchers
- → Merchandise from rewards catalogue
- → Statement credit
Milestone Bonuses
1,000 bonus reward points on spending ₹1 Lakh annually
Spend ₹1,00,000 annually
1,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹999 Excluding GST |
| Annual Fee | ₹999 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.4%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹20
- Other Bank Withdrawal
- ₹20
- Intl. Withdrawal Fee
- 3.5% + ₹125
Fuel Surcharge Waiver
1% waiver on transactions between ₹400 – ₹4,000. Max waiver: ₹200/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 700
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Existing PNB account holders preferred
- • Salaried: Gross Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
- • Subject to credit assessment
Existing account required
Airport Lounge Access
Domestic
4 visits/year
4 per year
~₹2,000/visit
International
0 visits/year
Not included
Visa Lounge Programme
- • 4 complimentary domestic airport lounge visits per year
- • Swipe card at participating lounges
Transaction Limits
ATM Withdrawal / Day
₹25,000
POS & E-Commerce / Day
₹1,50,000
Contactless / Txn
₹2,000
Features
Contactless payments EMV chip security Domestic usage Add-on cards available EMI conversion facility Airport lounge access Government bank — wide branch network PNB mobile app and internet banking
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The PNB Global Platinum Credit Card offers 2 reward points per ₹100 on all spends, complimentary airport lounge access, and global acceptance. With a ...
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