Punjab National Bank · Scored card guide

PNB RuPay Platinum

1 point(s)/₹100 eligible retail, at current ₹0.25 redemption value. The issuer's old 50-paise text is superseded by the 25-paise revision.

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Where it pays

PNB earning table lists 1 reward point(s) per ₹100 eligible retail spend. Its stale rewards-page prose says ₹0.50/point, but PNB’s dated correction effective 1 September 2024 and current MITC say ₹0.25/point; this model uses ₹0.25 statement cashback. One monthly transaction is assumed, with points accrued over 12 months. At least 1,000 points are required for one redemption; a ₹99 plus estimated GST redemption fee is deducted once when threshold is met. Conservative first-year cost deducts both published joining fee ₹0 and annual fee ₹500, plus GST. The issuer does not clearly say when the annual fee is billed; a first-year charge and subsequent-year waiver may vary, so this may overstate year-one cost. A generic Utilities merchant code and fuel reward eligibility cannot be confirmed from this input, so neither is scored. Welcome points, surcharge waivers and partner offers omitted. Sources: https://pnbcard.in/rewards.html ; https://pnbcard.in/Documents/Reward%20Point%20Notice%20(English).pdf ; https://pnbcard.in/PDF/MITC.PDF ; https://pnbcard.in/Documents/pnb_sofc.pdf .

Modeled first-year fee: ₹500 published joining plus annual charges, plus estimated 18% GST. The issuer does not clearly state first-year annual billing timing, so this is conservative and could overstate year-one cost. One annual redemption costs ₹99 plus estimated GST after 1,000 points.

Issuer source

https://pnbcard.in/rewards.html

Checked 27 Sep 2026. Verify current issuer terms before applying.

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