Punjab National Bank · Entry
RuPay Platinum Card
Where it ranks across all 187 cards
#29 Fuel
0.3%
direct
#59 Wallet load
0.3%
direct
#68 EMI
0.3%
direct
#84 Insurance
0.3%
direct
#90 Education
0.3%
direct
#97 Utility bills
0.3%
direct
#124 Gaming
0.3%
direct
#125 Jewellery & watches
0.3%
direct
#136 Mobile / broadband
0.3%
direct
#149 Train tickets
0.3%
direct
#155 Cabs & transit
0.3%
direct
#162 Groceries
0.3%
direct
#163 Flights
0.3%
direct
#163 Hotels
0.3%
direct
#163 Health & pharmacy
0.3%
direct
#163 Other
0.3%
direct
#164 Electronics
0.3%
direct
#166 Dining out
0.3%
direct
#167 Food delivery
0.3%
direct
#167 Movies & events
0.3%
direct
#167 Fashion
0.3%
direct
#168 Online shopping
0.3%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
0.25%base rate
1 pt / ₹100
source
Source: PNB Rupay Platinum Card - Fees, Eligibility, Limit - creditcard.pnb.bank.in - read 1 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on0 exclusions
Rare. No published exclusions on record for this card (EMI aside).