Punjab National Bank · Entry
Visa Platinum Card
Where it ranks across all 187 cards
#30 Fuel
0.3%
direct
#60 Wallet load
0.3%
direct
#69 EMI
0.3%
direct
#85 Insurance
0.3%
direct
#91 Education
0.3%
direct
#98 Utility bills
0.3%
direct
#125 Gaming
0.3%
direct
#126 Jewellery & watches
0.3%
direct
#137 Mobile / broadband
0.3%
direct
#150 Train tickets
0.3%
direct
#156 Cabs & transit
0.3%
direct
#163 Groceries
0.3%
direct
#164 Flights
0.3%
direct
#164 Hotels
0.3%
direct
#164 Health & pharmacy
0.3%
direct
#164 Other
0.3%
direct
#165 Electronics
0.3%
direct
#167 Dining out
0.3%
direct
#168 Food delivery
0.3%
direct
#168 Movies & events
0.3%
direct
#168 Fashion
0.3%
direct
#169 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 VISA 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).