Rewards Zero Forex

PNB Rupay Platinum Credit Card

PNB

6.8

CardTrail Score

Decent

out of 10

💰 Net Value

3.9

🔓 Accessibility

7.8

⚡ Feature Depth

6.5

🏦 Bank Trust

5.0

How we score →

Compare This Card Full Details

Annual Fee

₹999

Spend ₹1L/year

Forex Markup

No extra charge

Reward Rate

0.5%

Up to 2%

Lounge Access

domestic | 0 intl

About This Card

The PNB Rupay Platinum Credit Card is a rewards credit card from PNB with an annual fee of ₹999. It earns rewards at 0.5% on everyday purchases. Key perks include zero forex markup, 4 complimentary lounge visits, fuel surcharge waiver. Best suited for everyday users.

Pros & Cons

Pros

Zero forex markup — great for international use
Fuel surcharge waiver saves on petrol/diesel
Easy EMI conversion on purchases
Attractive welcome bonus: 500 Reward Points

Cons

Below-average base reward rate

Fee Details

Annual Fee

₹999

Joining Fee

₹999

Fee Waiver Condition

Spend ₹1L/year

Fuel Surcharge Waiver

Yes

EMI Conversion

Yes

Reward Structure

Base Rate

0.5%

Max Rate

Currency

Reward Points

Welcome Bonus

500 Reward Points

Lounge Access

Domestic Lounges

per quarter

International Lounges

Key Highlights

+ Annual fee ₹999 (waiver: Spend ₹1L/year)
+ Zero forex markup on international spends
+ 4 domestic lounge visits per year
+ Fuel surcharge waiver at all pumps

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