Question 1

Is PNB Rupay Platinum Credit Card worth the ₹500 annual fee?

Accepted Answer

PNB Rupay Platinum Credit Card has an annual fee of ₹500. The fee can be waived if you use card every quarter. With a base reward rate of 0.5% (up to 2%), 2 domestic lounge visits, and a CardTrail Score of 6.8/10, it may suit specific spending patterns.

Question 2

What is the reward rate on PNB Rupay Platinum Credit Card?

Accepted Answer

PNB Rupay Platinum Credit Card offers a base reward rate of 0.5% on regular spends, going up to 2% on select categories. Rewards are earned as Reward Points. New cardholders also get a welcome bonus of 300 Reward Points.

Question 3

Does PNB Rupay Platinum Credit Card have airport lounge access?

Accepted Answer

Yes, PNB Rupay Platinum Credit Card provides 2 domestic and 1 international lounge visits per quarter.

Question 4

What is the forex markup on PNB Rupay Platinum Credit Card?

Accepted Answer

PNB Rupay Platinum Credit Card charges zero forex markup on international transactions, making it one of the best cards for foreign currency spends. You save the typical 1.5–3.5% markup that most cards charge, plus GST on that markup.

Question 5

PNB Rupay Platinum Credit Card vs CRED RuPay Credit Card — which is better?

Accepted Answer

PNB Rupay Platinum Credit Card (CardTrail Score: 6.8/10) and CRED RuPay Credit Card (Score: 9/10) are both rewards cards. PNB Rupay Platinum Credit Card by PNB has a ₹500 fee with 0.5% base rewards, while CRED RuPay Credit Card by IndusInd Bank has a ₹499 fee with 1% base rewards. Use our comparison tool for a detailed side-by-side analysis.

PNB Rupay Platinum Credit Card

About This Card

Pros & Cons

Pros

Cons

Fee Details

Reward Structure

Lounge Access

Key Highlights

Compare With...

Want the Full Picture?

Quick Summary

CardTrail Score

Best For

Own the PNB Rupay Platinum Credit Card?

Related Cards