Rewards
Zero Forex
PNB Rupay Platinum Credit Card
6.8
CardTrail Score
Decent
out of 10
Annual Fee
₹999
Spend ₹1L/year
Forex Markup
0%
No extra charge
Reward Rate
0.5%
Up to 2%
Lounge Access
4
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
2%
Currency
Reward Points
Welcome Bonus
500 Reward Points
Lounge Access
Domestic Lounges
4
per quarter
International Lounges
0
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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Quick Summary
Best For
general
Annual Fee ₹999
Base Reward 0.5%
Max Reward 2%
Forex Markup 0%
Network RuPay
Min Income ₹3L+
CardTrail Score
Best For
general
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