PNB Rakshak RuPay Platinum Card

PNB Rakshak RuPay Platinum Card

PNB Rakshak RuPay Platinum Card Features

  • Nil Joining Fee: Both versions come with no security staff joining fee.
  • Cardholders do not have to pay an annual fee if the card is used at least once quarter. Zero Annual Fee
  • Welcome benefits: 300 reward points for the credit card’s first use
  • Cashback programme: Exclusive cashback on charges for hotels, eateries and utility bills
  • Merchant Deals: Deals under the RuPay programme to over 300 merchants
  • Comprehensive Insurance Policy: Rs. Lakh on Platinum accidental death or permanent disability policy and Rs. 10 Lakh on Select cards 
  • Free access to the airport lounge: free access to the domestic airport lounge each quarter and international access to the airport lounge each year. 
  • Card Limit: Twice the monthly pension or income subject to adjustment at the discretion of the bank

PNB Rakshak RuPay Platinum Card Eligibility Criteria

The following is the eligibility criteria for PNB Rakshak RuPay Platinum Card:

Eligibility Criteria

Eligibility Criteria

Nationality He or she must be a citizen of India or a non-resident Indian.
Employment status The primary applicant must have a steady source of income.
Age The applicant must be least 18 years old.
Credit Score An ideal CIBIL score is a major factor in getting the application approved. (750 or above)

PNB Rakshak RuPay Platinum Card Documentation

The following documents are required for PNB Rakshak RuPay Platinum Card

Income Proof

Proof of Address

Identity Proof

IT Return Passport Aadhaar Card
Form 16 Aadhaar Card Voter ID
Salary Slip Passport Driving License
Voter ID


Fees and Charges

The Fees and Charges related to PNB Rakshak RuPay Platinum Card are shown in the below table:

Type of Fee


Joining fee NIL
Annual fee Rs.500
Finance charges (per month) 2.95%
Credit limit over usage 2.5% or Rs.500
Minimum amount due 5% of the total amount due
Card replacement fee Rs.150
Duplicate statement fee Rs.50
Cash advance 2% of the cash withdrawn or Rs.100 at PNB ATMs (higher amount will be taken)
Foreign currency transaction 3.50%

Rewards Points programs

  • Avail 300 reward points on your first transaction.

PNB Rakshak RuPay Platinum Card Limit

The PNB Rakshak RuPay Platinum Credit. The bank assigns the card credit limit. While assigning a limit, the PNB takes into account several variables, such as the primary applicant’s credit score, credit utilisation ratio, past repayment habits, etc.


How to apply for PNB Rakshak RuPay Platinum Card

You can use Dialabank with ease to order the PNB Rakshak RuPay Platinum Card. 
To get your credit card quickly, take the following steps: 
  • Go first to the Dialabank website.
  • For your PNB Rakshak RuPay Platinum Card, select credit card.
  • For that card, fill in an application form. Properly fill in all the necessary details.
  • Check your eligibility, and then you can finish the online application if you are eligible.

Other Top Credit Cards by PNB

  • PNB RuPay Select Credit Card
  • PNB’S Wave n Pay Credit Card
  • PNB Global Gold Card
  • PNB Gold Platinum Credit Card
  • PNB RuPay Select Card


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