PNB EMT RuPay Platinum Credit Card
An EaseMyTrip co-branded RuPay card: ₹2,000 joining and annual fee (annual fee waived on more than ₹1 lakh of spend), ₹3,000 of welcome vouchers, discounts on EaseMyTrip flights and hotels, 1 reward point per ₹100 at ₹0.25 a point (0.25%). Every figure below is copied from Punjab National Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-21.
Not on record from an official document: the list of spends that earn no reward. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹2,000 plus GST Product page |
|---|---|
| Annual fee | ₹2,000 plus GST Product page |
| Annual fee waiver | On ₹1,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Fee schedule |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| All eligible spends | 1 point per ₹100 Product page | no cap on record |
Points are redeemed from 1,000 upwards on PNB Rewardz (catalogue, vouchers or cashback) and expire after 3 years; a ₹99 + GST fee applies to each redemption from 1 Nov 2026.
Benefits
- Lounges: Complimentary lounge access: 2 domestic visits a quarter and 2 international visits a year Product page
- Fuel: 1% fuel surcharge waived on fills above ₹400 and below ₹4,000, up to ₹350 a billing cycle MITC
- Welcome: Welcome vouchers worth ₹3,000 Product page
Also on this card
Quoted from Punjab National Bank; not counted in the net value.
- 10% off domestic flights, up to ₹1,000, no minimum order Product page
- 10% off international flights, up to ₹5,000 Product page
- 20% off domestic hotels, up to ₹5,000 Product page
- 20% off international hotels, up to ₹10,000 Product page
- ₹125 off bus bookings of ₹500 or more Product page
- Accident cover of ₹2 lakh Product page
Eligibility
- Age 21 or above Terms
- Age 70 or below Terms
- Salaried: annual income of ₹2.5 lakh or more Product page
- Self-employed: annual income of ₹2.5 lakh or more Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Punjab National Bank in the documents read
- the spends that earn no reward points
- reward rates for specific categories
- the GST rate (fees are plus GST)
- which travel site the flight and hotel discounts apply on (the page lists them under the EaseMyTrip card without naming the site)
Where Punjab National Bank’s documents differ, and what is used
- Point value: the card page, the MITC and PNB's notice of 1 Sep 2024 give ₹0.25 a point; the older Rewards Program page still says ₹0.50 (50 paise). The ₹0.25 rate is used.
The quotes behind the figures
33 figures, each copied from an official Punjab National Bank document.
Show every quote and source
“Joining Fee - Primary Card : Rs.2000/-”
“Annual Fees - Primary Card : Rs.2000/-”
“Waiver on Fee : Annual fee will be waived if the annual spends on the card is more than Rs. 1.00 Lakh in the preceding year”
“Nil markup for PNB metal card "Luxura"(RuPay/VISA) & 3.50% markup for all other card, over and above the currency”
“Value of reward points : 1 pt = Rs.0.25”
“Reward Points : 1 pt on Rs 100”
“Individuals who satisfy the eligibility criteria as laid down can apply for PNB Credit Card.”
“*UPI compatable”
“Zero for Luxura (Visa & RuPay) & 3.50% of the transaction value for all cards over and above the currency conversion rate.”
“Between Rs. 400/- to Rs. 4,000/- with maximum up to Rs 350/- per Statement Cycle.”
“NIL For VISA/RuPay Credit Card Variants 99 per redemption request.”
“Presently the Value of 1reward point is 25 paise”
“Effective 1st September 2024, value of 1 (One) PNB Credit Card Reward Point will be Rs. 0.25.”
“1 (One) Reward Point is worth INR 0.50 (50 paise).”
“Reward points can be redeemed provided a minimum of 1000 points are redeemed by request in writing”
“The reward points on Credit Cards will be expired if not redeemed within 3 years from the date”
“GST, as notified by the Government of India, is applicable on all fees, interest and other charges”
“PNB RuPay Credit Cards can now be linked on UPI.”
“A charge of 99/- plus applicable GST will be levied for each redemption/claim of reward points.”
“Complimentary Domestic and International Airport Lounge Access : Domestic-2 per qtr,International-2 per yr”
“1% on single fuel transaction of amount greater than Rs.400 & less than Rs.4000/-.”
“Maximum surcharge waiver up to Rs. 350/- within a billing cycle exclusive of service tax and other charges.”
“Welcome vouchers worth Rs. 3000”
“Flat 10% off Upto Rs. 1,000 on domestic flight bookings | NO MOV (Minimum order value)”
“Flat 10% off Upto Rs. 5,000 on international flight bookings | NO MOV”
“Flat 20% discount Up to Rs.5,000 on domestic hotel bookings | NO MOV”
“Flat 20% discount Up to Rs.10,000 on international hotel bookings | NO MOV”
“Flat Rs.125 off on bus bookings on minimum order value of Rs.500”
“Insurance Coverage upto Rs. 2 Lacs for Accidental Death and Personal Total Disability”
“i) Age Criteria: The applicant should be between the age of 21 years and up to 70 years.”
“Eligibility - Income : Annual income of Rs.2.50 Lacs p.a”
“APPLY CREDIT CARD ONLINE”
“PNB EMT RuPay Platinum Credit Card”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Punjab National Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Punjab National Bank’s own file from its website, unaltered, fetched 2026-10-21. Methodology