PNB Patanjali RuPay Platinum Credit Card: Features, Charges and Eligibility

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

2 Mar 26
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Sandipan Mitra

08 Mins
02-03-26

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Table of Contents

What are the PNB Patanjali RuPay Platinum Credit Card Benefits?
How to Earn Reward Points on the PNB Patanjali RuPay Platinum Credit Card?
What are the PNB Patanjali RuPay Platinum Credit Card Charges?

2% cashback on all Patanjali expenses.
5% to 7% additional cashback to Patanjali Swadeshi Samridhi Cardholders.
More than 300 reward points on 1st usage.

The PNB Patanjali RuPay Platinum credit card is a co-branded credit card exclusively crafted for individuals who frequently shop at Patanjali stores online or offline. It lets you earn a flat ₹50 cashback for every Patanjali expense of ₹2500.

Additionally, you can access more than 300 merchant offers with this card. Want to know more about its benefits? Then, keep reading!

What are the PNB Patanjali RuPay Platinum Credit Card Benefits?

Shoppers who have the Patanjali Swadeshi Samridhi Card can get 5 -7% cashback at Patanjali Ayurved Ltd. when they recharge their PNB Patanjali card. Also, there are features in this card which include:

Accidental Protection: Get a complete cover of up to ₹2,00,000.
Easy UPI Integration: Add the PNB Patanjali RuPay Platinum credit card to UPI apps to access the RuPay scan and pay service.
Instant Cashback: Get 2% cashback on all purchases made at Patanjali stores/websites/app.

The cashback varies depending on the amount spent. Here is a detail:

Amount Spend	Eligible Cashback (Whichever is lower)
₹500 - ₹1,000	2% or ₹20
₹1,001 - ₹2,000	2% or ₹40
Above ₹2,000	2% or ₹50

How to Earn Reward Points on the PNB Patanjali RuPay Platinum Credit Card?

Cardmembers can earn more than 300 reward points within the first few uses of their cards. Here is how you can earn rewards with this credit card:

Get 100 reward points on the first UPI transaction of ₹100 or above on both BHIM PNB and PNB One
Earn 4 Points per UPI transaction of ₹50 via PNB One and BHIM PNB apps (capped at 100 points)
100 points for logging in to PNB One after 15 days of account opening.

The higher your transactions, the higher the reward you will get in the PNB Patanjali RuPay Platinum credit card.

You can redeem these reward points for services or products at the PNB Rewardz portal. A minimum of 1000 points is required for redemption.

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What are the PNB Patanjali RuPay Platinum Credit Card Charges?

The PNB Patanjali RuPay Platinum credit card has no joining fee, but an annual fee of ₹500. However, it will be waived if the card is used at least once every quarter. Other charges include:

Type	Amount
Finance Charges	2.95% per month (35.89% yearly) 1.5% per month for cards against FD (19.56% yearly)
Add-on Card Fee	NIL
Cash Advance Charges	2% or min. ₹100 (for domestic PNB ATMs) 2% or min. ₹150 (for domestic other ATMs) 2% or min. ₹250 (for overseas ATMs)
Late Payment Fee	Less than ₹1000: NIL ₹1001 - ₹5000: ₹500 ₹5001 - ₹10,000: ₹600 Above ₹10,000: ₹750
Foreign Currency Exchange	3.5%

💡Avoid unnecessary penalties and protect your credit score by using the Pice App to track statements, set payment alerts, and complete your credit card bill payments well before deadlines.

Footnote

Reward Points earned on the PNB Patanjali RuPay Platinum credit card or other PNB cards are valid for 36 months from accrual.

FAQs

What is the PNB Patanjali RuPay Platinum credit card limit?

The Punjab National Bank determines your credit card limit based on your current income, credit score and history. Since this card is a RuPay Platinum variant, the credit limit will be between ₹10,000 and ₹5,00,000.