CRED RuPay vs PNB Rupay Platinum
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
CRED RuPay Credit Card wins 3 of 8 dimensions with a CardTrail Score of 6.9/10 vs 7.9/10.
| Feature | CRED RuPay | PNB Rupay Platinum |
|---|---|---|
| CardTrail Score | 6.9/10 | 7.9/10 |
| Annual Fee | ₹499 | ₹500 |
| Base Reward Rate | 1% | 0.5% |
| Max Reward Rate | 5% | 2% |
| Forex Markup | Zero | Zero |
| Domestic Lounges | 0 | 2 |
| International Lounges | 0 | 1 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | RuPay |
When to Choose CRED RuPay
- You want higher rewards — up to 5% vs 2%
- Your primary spend is: rewards, general
When to Choose PNB Rupay Platinum
- You can meet the fee waiver condition: Use card every quarter
- Airport lounge access matters — 2 domestic visits
- Your primary spend is: general, cashback
Annual Fee Value Analysis
To break even on CRED RuPay's ₹499 fee at 1% rewards, spend ₹4,158/month.
To break even on PNB Rupay Platinum's ₹500 fee at 0.5% rewards, spend ₹8,333/month.