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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Research coverage — 9/16 categories
PNB · RuPay

PNB Rakshak RuPay Platinum Credit Card

Best forNot enough verified categories yet
EarnsSee reward categories below
1st Year / Joining Fee
Not recorded
Annual fee ₹0
Renewal Fee
Not recorded
Fee waiver
None
Network
RuPay

How you earn

Reward rates at a glance — exactly as recorded for this card.

No earning category has been verified yet — see the category table for the current status of each.

All 16 reward categories · 9 of 16 categories verified
CategoryRateCapCondition
Rent——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Education——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Insurance——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Utilities——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
FuelNo reward——
Details
Status
Verified — no reward
Issuer note
Fuel transactions do not accrue reward points. 1% fuel surcharge waiver applies.
Groceries——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Dining——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Food Delivery——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Shopping——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Travel——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
Government——Standard verified retail earn rate
Details
Status
Verified
Issuer note
Standard verified retail earn rate.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
Wallet loading transactions (MCC 6540) do not accrue rewards.
Railways——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
FASTag——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Jewellery——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.
Telecom——Research pending
Details
Status
Research pending
Issuer note
No verified rule recorded for this category yet.

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
Not recorded
Annual fee ₹0
Renewal Fee
Not recorded
Fee waiver
None
Reward caps

No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.

Important to know

Limits and exclusions that change what you earn.

  • No reward on: Fuel, Wallet
  • Research pending: Groceries, Food Delivery, Shopping, Railways +3 more — not counted

Who should consider this card

✓ Good fit if
    △ Less useful if
    • Much of your spending is in fuel, wallet, which earn nothing
    Compare with another card →Read card guides →

    Full details

    Everything else, expanded on demand.

    Caps & exclusions · 0 caps · 2 no-reward categories
    Caps

    No cap recorded.

    Categories with no reward or not eligible
    • Fuel — No reward.
    • Wallet — No reward.
    Milestones · none recorded

    No milestone benefit is recorded for this card.

    Eligibility

    Subject to PNB's underwriting and eligibility criteria. See the issuer's terms for current requirements.

    Specifications
    • Payment network: RuPay
    • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
    • Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
    • Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
    Other categories recorded for this card
    • Grocery — —. Standard verified retail earn rate
    • Online Shopping — —. Standard verified retail earn rate
    • Offline Shopping — —. Standard verified retail earn rate
    • Hotels — —. Standard verified retail earn rate
    • UPI — 1 RP/₹100. Standard verified retail earn rate
    • Healthcare — —. Standard verified retail earn rate
    • Other / General Retail — —. Standard verified retail earn rate
    What DhanChakshu couldn't fully verify · 10 areas

    10 areas need further verification. None of these are counted as zero.

    • • Groceries — research pending
    • • Food Delivery — research pending
    • • Shopping — research pending
    • • Railways — research pending
    • • FASTag — research pending
    • • Jewellery — research pending
    • • Telecom — research pending
    • • Lounge benefit — not recorded; check the issuer terms
    • • Fuel surcharge waiver — not recorded; check the issuer terms
    • • Foreign-currency markup — not recorded; check the issuer terms

    Sources & verification

    Verification & sources · last checked 2026-09-26

    Verification coverage: 9 of 16 categories verified · 7 still being verified

    Card record last checked: 2026-09-26

    Documents used
    PNB Rakshak Plus Salary Scheme Banking & Card Benefits · PNB-SRC-028 · 2026-09-26
    Linking of RuPay Credit Cards on UPI Platform · PNB-SRC-009 · 2026-09-26
    Restricted Merchant Category Codes (MCC) & Exclusions · PNB-SRC-025 · 2026-09-26
    PNB Rakshak RuPay Platinum Credit CardAnnual fee ₹0