Punjab National Bank Lifetime Free Credit Cards
Explore top cards like the PNB Rakshak Rupay Platinum Card, PNB Rakshak Rupay Select Card, PNB RuPay Platinum Credit Card.
3 Cards Found
PNB Rakshak Rupay Platinum Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
PNB Rakshak Rupay Select Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points, Cashback
PNB RuPay Platinum Credit Card
Joining Fee:
Lifetime Free
Renewal Fee:
Lifetime Free
Reward Type:
Reward Points
Punjab National Bank's Lifetime-Free Credit Cards
All three PNB credit cards covered here - two Rakshak-branded and one standard - charge zero joining and zero renewal fee.
General vs Defense-Affinity Cards
If you don't qualify for the Rakshak affinity programme, PNB RuPay Platinum Credit Card is the standard zero-fee option open to general applicants.
PNB's Zero-Fee Cards
| Card | Fee | Reward Type | Best For |
|---|---|---|---|
| PNB RuPay Platinum Credit Card | Lifetime Free | Reward Points | Travel, shopping (general applicant) |
| PNB Rakshak Rupay Platinum Card | Lifetime Free | Reward Points, Cashback | Utilities, dining, premium (defense affinity) |
| PNB Rakshak Rupay Select Card | Lifetime Free | Reward Points, Cashback | Travel, shopping, dining (defense affinity) |
How to Choose
All three PNB credit cards are zero fee
PNB Rakshak RuPay Platinum, PNB Rakshak RuPay Select, and PNB RuPay Platinum Credit Card all charge zero joining and zero renewal fee - the choice is about reward type and whether the Rakshak (defense-affinity) branding applies to you.
Rakshak cards are positioned for defense/paramilitary personnel
PNB Rakshak RuPay Platinum and Rakshak RuPay Select carry the "Rakshak" branding typically associated with defense or paramilitary personnel accounts - check eligibility if you're not part of that group; PNB RuPay Platinum Credit Card is the general-purpose alternative.
Rakshak cards earn combined points and cashback
Both Rakshak variants earn Reward Points & Cashback, while the standard PNB RuPay Platinum Credit Card earns straightforward Reward Points.