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Punjab National Bank • RuPay • Platinum Tier

RuPay Platinum Debit Card

CardIntel Score: 63/100
Zero CIBIL RequiredVerified
Apply on Official Bank Site
Punjab National Bank
Platinum
DEBIT
Cardholder Account
RuPay Platinum Debit Card
RuPay
Annual Fee
₹250 + GST
Domestic Lounge
2 visits/year
International Lounge
None
Forex Markup
3.5%
Account Eligibility
Account Linkage Required
Card Tier
Platinum (RuPay)
2026 Qualifying Condition & Spend Hurdle

Subject to active NPCI spend criteria

Top Advantage & Why It Matters

Low-cost government bank card with domestic airport lounge access and NPCI cover

About RuPay Platinum Debit Card

The RuPay Platinum Debit Card is a Platinum tier debit product issued by Punjab National Bank on the RuPay payment network. Directly linked to your savings or current account, it offers transparent banking benefits, zero finance charges, and verified privileges documented directly from bank regulatory filings.

Key Benefits & Privileges

Direct perks documented from Punjab National Bank's official schedule of charges and Most Important Terms and Conditions (MITC).

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2 complimentary domestic airport lounges per year
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Accidental insurance cover up to ₹2 Lakh provided by NPCI
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RuPay merchant cashback offers across utility bill portals and BigBasket

Qualifying Benefit Pillars

How this debit card classifies across CardIntel's 5 benchmark categories.

Cash & Rewards

Direct cashback or accelerated points on POS swipes & online retail spends.

Travel & LoungeQUALIFIES

Domestic or international airport executive lounge access and low forex rates.

Lifestyle & Dining

Dining privileges, movie ticket discounts (BookMyShow), and golf/wellness access.

Everyday & FuelQUALIFIES

Fuel surcharge waivers across Indian petrol pumps and UPI QR perks.

Protection & InsuranceQUALIFIES

Accidental air/road insurance cover, purchase protection, and lost card liability.

100% Bank MITC Source Provenance

CardIntel never quotes third-party affiliate marketing blurbs. All specifications, lounge access rules, and fee structures for RuPay Platinum Debit Card are derived directly from Punjab National Bank's official bank filings.

Official Documentation URL:https://www.pnbindia.in/debit-cards.html
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RuPay Platinum Debit Card
Punjab National Bank • Platinum
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