PNB Rakshak RuPay Platinum Card Designed for Serving Heroes

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

2 Mar 26
3 mins

Shreyansh Singh

08 Mins
02-03-26

One App for all Business Payments

Download Now One App for all Business Payments

Table of Contents

PNB Rakshak RuPay Platinum Card Benefits
Points to Note About the PNB Platinum Rakshak Rupay Credit Card
PNB Rakshak RuPay Platinum Card Charges

No joining fee with a ₹500 annual fee waiver.
Earn 1 reward point per ₹100 spent.
Get 300+ reward points on first use.
Card limit ranges from ₹25,000 to ₹5,00,000.

PNB introduced the Rakshak RuPay credit cards under the Rakshak Plus Scheme for serving personnel, veterans, and trainees. You can choose RuPay Platinum or RuPay Select.

The PNB Rakshak RuPay Platinum Card, co-partnered with RuPay, offers reward points, cashback, and insurance benefits. It has no joining fee, a ₹500 annual fee, which is waived when you use the card once in each quarter.

PNB Rakshak RuPay Platinum Card Benefits

Start strong with 300+ reward points on first usage, and that is just the beginning. You also earn 1 reward point for every ₹100 spent.

Other privileges include:

Cashback and Offers: Receive exclusive cashback on utility bills, eateries, and restaurant payments. Access 300+ merchant offers across categories.
Interest-Free Period: Enjoy a free credit period of 20 to 50 days on purchases.
Insurance and Assistance: Get comprehensive insurance coverage with 24/7 concierge support.

Points to Note About the PNB Platinum Rakshak Rupay Credit Card

Minimum annual income required is ₹2.50 lacs.
Card limit starts at ₹25,000 and goes up to ₹5,00,000.
Contactless transactions allow spending up to ₹5,000 per transaction.

Must reads

Tata Credit Card Interest Rate in 2026

27 Jan 26
6 mins

Everything About the SpiceJet Axis Bank Voyage Credit Card

17 Dec 25
4 mins

PNB Rakshak RuPay Platinum Card Charges

The card carries a finance charge of 2.95% per month, which equals 35.89% annually.

Refer to the table below to see the full list of applicable charges for the PNB Platinum Rakshak Rupay Credit Card:

Parameter	Charges
Cash Advance Charges for Platinum Cards	2% or min. ₹100 (for PNB ATMs) 2% or min. ₹150 (for other ATMs) 2% or min. ₹250 (for overseas ATMs)
Overlimit Charges	2.5% or min. ₹500
Card Replacement Fee	₹250
Cheque Dishonour Fee	₹250
Late Payment Fee	Less than ₹1000: NIL From ₹1001 - above ₹10,000, it ranges between ₹500 - ₹750.

💡To stay clear of late fees, manage your repayments with smart alerts. The Pice app helps you receive monthly reminders, settle dues in minutes, and check payment status anytime. Take charge of your credit card bills with ease.

Footnotes

Foreign currency transactions attract a 3.50% markup over the applicable currency conversion rate.
Earn the reward points when you make your first retail or online transaction within 90 days of receiving the card.
Cheque return or ECS/auto debit failure attracts ₹250 per instrument. Outstation cheques are not accepted other than for credit card payments.

FAQs

What is the PNB Rakshak RuPay Platinum Card application process?

There are many options to apply for this card. You can use the PNB website, internet banking, PNB One App, ATM request, SMS, helpline numbers, or visit a branch for assistance.

How can you manage contactless transaction settings?

You can activate or deactivate contactless transactions through the PNB Genie Credit Card mobile app or by visiting pnbcard.in. Go to the ‘Transaction Preferences’ menu and enable or disable the required transaction rights easily.

What is the PNB credit card helpline number?

You can call 18001802345 toll-free or 0120-4616200 for assistance. You may also write to creditcardpnb@pnb.co.in for support or queries related to your card.