Skip to main content
Punjab National BankPunjab National Bank

PNB EMT RuPay Platinum Credit Card – Benefits, Fees & Eligibility

The Pnb Emt RuPay Platinum Credit Card is a mid-range, travel-focused card designed for frequent travellers who value lounge access, travel discounts, and basic insurance protection. With a ₹3,000 welcome voucher, 300 bonus points on the first transaction, and waived annual fees on ₹1 lakh+ spends, it balances cost and convenience. Ideal for users seeking domestic and international lounge privileges plus savings on flights, hotels, and holidays.
TravelInternational SpendsDining
Apply Now(opens in new tab)

Is the PNB EMT RuPay Platinum Credit Card Right for You?

A quick look at who this card is best for, key costs, and things to consider.

The PNB EMT RuPay Platinum Credit Card is best suited for users who prioritize Travel, International Spends, Dining. With a joining fee of ₹2,000 + GST and a renewal fee of Nil, this card is positioned for cardholders who can maximize its benefits to justify the cost. It offers Reward Points as its primary reward mechanism, with a rewards rate of Earn 4 reward points for every ₹100 spent (alternate: 1 point per ₹100; value ₹0.25 per point). Valid on retail spends excluding cash withdrawal, fuel, and jewellery..

Verified
Last updated: 2 May 2026

Key Card Details

Joining Fee

₹2,000 + GST

Renewal Fee

Nil

Reward Type

Reward Points

Foreign Currency Markup

3.50%

Notable Perks

Domestic Lounge Access

8 complimentary annual visits (2 per quarter) across 30+ airport lounges in 17 Indian cities.

International Lounge Access

2 complimentary airport lounge accesses per year across 500+ cities worldwide.

Insurance Coverage

Accidental death and personal total disability coverage up to ₹2 lakhs.

Spend-Based Waiver

Annual fee waived if annual spends exceed ₹1 lakh in the preceding year.

Things to Consider

No discounts on movies and dining narrows the card’s appeal for everyday lifestyle and entertainment spends.

Limited international benefits and lounge coverage may fall short for high-frequency global travellers.

Discount cap of 4 transactions per card per month restricts heavy users from maximising savings on travel bookings.

Last updated: 2 May 2026

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

₹3,000 welcome voucher (flights ₹500, hotels ₹1,000, holidays ₹1,500) plus 300 reward points on first transaction.

Rewards Rate

Earn 4 reward points for every ₹100 spent (alternate: 1 point per ₹100; value ₹0.25 per point). Valid on retail spends excluding cash withdrawal, fuel, and jewellery.

Reward Type

Reward Points

Reward Redemption

No specific redemption guide or redemption options detailed (N/A).

Domestic Lounge Access

8 complimentary annual visits (2 per quarter) across 30+ airport lounges in 17 Indian cities.

International Lounge Access

2 complimentary airport lounge accesses per year across 500+ cities worldwide.

Insurance Coverage

Accidental death and personal total disability coverage up to ₹2 lakhs.

Travel Benefits

Domestic flights: flat 10% off up to ₹1,000; international flights: flat 10% off up to ₹5,000; domestic hotels: flat 20% off up to ₹5,000; international hotels: flat 20% off up to ₹10,000; bus bookings: flat ₹125 off on min ₹500. Max 4 discount transactions per card per month.

Fees & Charges

Know the costs before applying to avoid surprises later

Joining Fee

₹2,000 + GST

Renewal Fee

Nil

Spend-Based Waiver

Annual fee waived if annual spends exceed ₹1 lakh in the preceding year.

Foreign Currency Markup

3.50%

Interest Rates

2.95%

Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (min waiver ₹12.50; max waiver ₹250 per billing cycle).

Cash Advance Charges

2%

Rewards Redemption Fee

N/A

Pros & Cons

Weigh the advantages and limitations

Pros

Key benefits and features of this card.

Insurance coverage up to ₹2 lakhs for accidental death and personal total disability adds valuable protection for cardholders.

Cashback and discounts on travel bookings including flights, hotels, and buses deliver tangible savings on trips.

Complimentary domestic and international lounge access enhances comfort during frequent travel across regions.

Fuel surcharge waiver on eligible transactions reduces everyday spend costs within defined limits.

Cons

Key drawbacks and limitations of this card.

No discounts on movies and dining narrows the card’s appeal for everyday lifestyle and entertainment spends.

Limited international benefits and lounge coverage may fall short for high-frequency global travellers.

Discount cap of 4 transactions per card per month restricts heavy users from maximising savings on travel bookings.

Product Details

Comprehensive information about this credit card

Co-branded Pnb Emt RuPay Platinum Credit Card with EaseMyTrip offering travel-focused privileges.

Complimentary domestic and international airport lounge access with defined annual visit limits.

UPI/contactless enabled for seamless retail and travel payments.

Add-on card available at NIL fee to extend benefits to family members.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Introduction

  • The Pnb Emt RuPay Platinum Credit Card is a co-branded card issued by Punjab National Bank in partnership with EaseMyTrip, positioned as a mid-range travel-focused credit card.
  • Key differentiating benefits include complimentary domestic and international airport lounge access, insurance coverage up to ₹2 lakhs for accidental death and personal total disability, and vouchers/discounts on flights, hotels, and holidays with no minimum order value on most offers.

Welcome Benefits

  • Welcome voucher worth ₹3,000, redeemable as:
    • Flights: ₹500
    • Hotels: ₹1,000
    • Holidays: ₹1,500
  • 300 reward points credited on the first transaction.
  • Additional proposed co-brand card benefits (where applicable):
    • Insurance coverage up to ₹2 lakhs for accidental death and personal total disability.
    • Complimentary domestic and international airport lounge access.

Fees

  • Joining Fee: ₹2,000 + GST (Primary Card); NIL for Add-on Card.
  • Annual Fee: ₹2,000 + GST (Primary Card); NIL for Add-on Card.
  • Spend-Based Waiver: Annual fee waived if annual spends exceed ₹1 lakh in the preceding year.
  • Renewal Fee: NIL.
  • Rewards Redemption Fee: N/A.
  • Foreign Currency Markup: 3.50%.
  • Interest Rates: 2.95%.
  • Fuel Surcharge:
    • 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000.
    • Minimum waiver: ₹12.50; Maximum waiver: ₹250 per billing cycle.
  • Cash Advance Charges: 2%.

Rewards

  • Rewards Rate: Earn 4 reward points for every ₹100 spent.
    • Alternate reference: Earn 1 reward point for every ₹100 spent (value: ₹0.25 per point).
  • Eligible Retail Spends: Points valid on all retail spends (excludes cash withdrawal, fuel, and jewellery).
  • Point Expiry: Points expire 3 years from the transaction date.
  • Travel Discounts:
    • Domestic flights: Flat 10% off up to ₹1,000 (no minimum order value).
    • International flights: Flat 10% off up to ₹5,000 (no minimum order value).
    • Domestic hotels: Flat 20% discount up to ₹5,000 (no minimum order value).
    • International hotels: Flat 20% discount up to ₹10,000 (no minimum order value).
    • Bus bookings: Flat ₹125 off on minimum order value of ₹500.
  • Discount Limit: Applicable on a maximum of 4 transactions per card per month; no discount on transactions beyond the fourth.
  • Insurance Benefits:
    • Coverage up to ₹2 lakhs for accidental death and personal total disability.
  • Lounge Access:
    • Domestic Lounge: Complimentary 8 annual visits (2 per quarter) across 30+ airport lounges in 17 cities in India.
    • International Lounge: 2 complimentary airport lounge accesses per year across 500+ cities worldwide (300 cities referenced).

Rewards Redemption Guide

  • No specific redemption guide or redemption options detailed (marked as N/A in references).

Card Eligibility Criteria

  • Eligibility rules:
    • Applicant must be a citizen of India or a Non-Resident Indian (NRI).
    • Minimum age: 18 years.
    • Must have a steady source of income.
    • Must have a good credit score.
  • Documents required: Not explicitly listed.

Card Review

  • Who should apply: Ideal for frequent travelers seeking savings on flights, hotels, and holidays, along with complimentary lounge access and basic insurance coverage.
  • Pros:
    • Insurance benefits up to ₹2 lakhs for accidental death and personal total disability.
    • Cashback and discounts on travel bookings (flights, hotels, buses).
    • Complimentary domestic and international lounge access.
    • Fuel surcharge waiver on eligible transactions.
  • Cons:
    • No discounts on movies and dining.
    • Limited international benefits.

Important Product Details

  • Positive Highlights:
    • 300 reward points on first transaction.
    • 1% fuel surcharge waiver on eligible transactions.
    • Complimentary international and domestic lounge access.
    • Welcome voucher worth ₹3,000 for travel bookings.
    • Insurance coverage up to ₹2 lakhs.
  • Negative Highlights:
    • Limited international lounge and benefit coverage.
    • No movie or dining discounts.
    • Discount capped at 4 transactions per card per month.

Other Details

  • Terms and conditions apply to offers, discounts, and lounge access; specifics are governed by issuer policies.

Contact Punjab National Bank Directly

Toll-free numbers, email, WhatsApp support, and grievance redressal contacts.

Full Contact Details

Frequently Asked Questions

Clear, concise answers to help you understand this card better.