PNB Patanjali Credit Card – Full Details, Benefits, and How to Apply [2025]

The PNB Patanjali Credit Card is a special card launched by Punjab National Bank (PNB) with Patanjali Ayurved Limited. It started on March 2, 2022. This card uses the RuPay system. It comes in two types: PNB RuPay Platinum and PNB RuPay Select. The card gives Patanjali customers many benefits like rewards and cashback.

In this blog, we will explain everything about the card. You will learn its features, how to apply, fees, rewards, and more. We use simple words and short sentences. Let’s dive in!

🌟 Features and Benefits

The PNB Patanjali Credit Card has many great features. It helps you save money and enjoy extra perks. Here are the details for both types.

PNB Patanjali RuPay Platinum Card

No Joining or Annual Fees. Use the card once every three months. You pay nothing extra.
Reward Points. Get 300+ points on your first use. Earn 1 point for every Rs. 100 you spend.
Cashback. Spend over Rs. 2500 at Patanjali stores. You get 2% cashback.
Extra Cashback. Have a Patanjali Swadeshi Samridhi Card? Get 5-7% more cashback on recharges.
Insurance. The card gives full insurance coverage. It keeps you safe in emergencies.
Mobile App. Use the PNB Genie app. It makes managing your card easy.

PNB Patanjali RuPay Select Card

Fees. Pay Rs. 500 to join. Annual fee is Rs. 750. Use it once every three months to skip the annual fee.
Credit Limit. You can borrow Rs. 50,000 to Rs. 10 lakh.
Reward Points. Earn 2X points on retail shopping. Get 300+ points on first use.
Lounge Access. Visit airport lounges in India and abroad for free.
Insurance. Get up to Rs. 10 lakh coverage for accidents or disability.
Mobile App. Use PNB Genie app to control your card.

Both cards are great. They suit different needs. Let’s explore more.

✅ Eligibility Criteria

Who can get this card? You need to meet some rules. Here’s what PNB usually asks for:

Be an Indian citizen.
Be 21 to 70 years old.
Earn a minimum income. It might be Rs. 2-5 lakh per year. The Select card may need more income.
Have a good credit score.

Check with PNB for exact details. They may ask for proof like salary slips.

💳 How to Apply

Applying is simple. You can do it online or offline. Here’s how:

Online Method

Go to the PNB website or card portal.
Find the PNB Patanjali Credit Card section.
Fill the form. Add your name, address, and income details.
Upload documents. Use ID proof, address proof, and income proof.
Submit it. Wait for PNB to approve.

Offline Method

Visit a PNB branch near you.
Ask for the credit card form.
Fill it with your details.
Attach your documents.
Give it to the bank staff. They will process it.

Both ways are easy. Pick what suits you.

💰 Fees and Charges

You should know the costs. Here’s a simple breakdown:

PNB Patanjali RuPay Platinum Card

Joining Fee: Free.
Annual Fee: Free if you use it once every quarter.
Interest Rate: Around 2.95% per month. That’s 35.89% per year.
Cash Advance Fee: 2% of the amount or Rs. 100, whichever is more.

PNB Patanjali RuPay Select Card

Joining Fee: Rs. 500.
Annual Fee: Rs. 750. Skip it by using the card once every quarter.
Interest Rate: Same as Platinum card.
Cash Advance Fee: 2% or Rs. 100, whichever is higher.

Other fees may apply. Late payments or overspending might cost extra. Read the rules carefully.

🎁 Rewards and Cashback

The card gives you rewards and cashback. It makes spending fun. Here’s how it works:

Reward Points. Platinum gives 1 point per Rs. 100 spent. Select gives 2X points on retail items.
First Use Bonus. Both cards give 300+ points on your first purchase.
Cashback. Platinum offers 2% cashback at Patanjali stores for spends over Rs. 2500.
Extra Cashback. Swadeshi Samridhi Card holders get 5-7% more on recharges.

How to Use Rewards

Check the PNB Rewardz website.
Redeem points for gifts, recharges, or hotel bookings.
One point is usually worth Rs. 0.25.

These offers save you money. Use the card often to earn more.

🛡️ Insurance Coverage

The card protects you. Both types have insurance. Here’s what you get:

Platinum Card. Full coverage. It may include accident and lost card protection.
Select Card. Up to Rs. 10 lakh. Covers accidental death and disability.

Insurance gives peace of mind. Check the details with PNB to know more.

📱 PNB Genie Mobile App

The PNB Genie app is very useful. It helps you manage the card. Here’s what you can do:

See your balance and past spends.
Pay your card bill fast.
Block the card if lost.
Set spending limits.
Find special offers.

Download it on your phone. It works on Android and iOS.

🌍 Benefits of RuPay Platform

The card uses RuPay. It’s India’s own payment system. Here are its benefits:

Low Costs. Cheaper fees for shops and users.
Works Everywhere in India. Use it at ATMs, stores, and online.
Government Support. RuPay cards may get special deals.
Safe. It has strong security features.

RuPay is perfect for Indian users. It may not work as well abroad, though.

🔍 Comparison: Platinum vs. Select

Which card is better for you? Let’s compare:

Feature	Platinum Card	Select Card
Joining Fee	None	Rs. 500
Annual Fee	None (if used quarterly)	Rs. 750 (if used quarterly)
Credit Limit	Normal	Rs. 50,000 – Rs. 10 lakh
Reward Points	1 per Rs. 100	2X on retail
Cashback	2% at Patanjali stores	Not specified
Lounge Access	No	Yes
Insurance	Full coverage	Up to Rs. 10 lakh

Platinum: Good for low spenders. No fees if used.
Select: Best for big spenders or travelers. Higher limits and lounge access.

Pick based on your habits.

💡 Tips to Maximize Benefits

Want to get the most from your card? Try these tips:

Use It Often. Avoid fees by using it every three months.
Shop at Patanjali. Earn 2% cashback on big purchases.
Collect Points. Spend daily to gather rewards.
Enjoy Lounges. Use Select card at airports.
Track Spending. Check the app to stay in control.
Pay on Time. Avoid extra charges.

These steps make the card work for you.

📞 Customer Support

Need help? Contact PNB easily:

Phone: Call 1800 180 2345 (free) or 0120 4616200.
Email: Write to creditcardpnb@pnb.co.in.
App: Use PNB Genie for support.
Branch: Visit a PNB branch.

They are ready to assist you anytime.

❓ 10 FAQs about PNB Patanjali Credit Card

Here are answers to common questions:

What is the PNB Patanjali Credit Card?
It’s a card by PNB and Patanjali. It has two types: Platinum and Select.
How can I apply for it?
Apply online on the PNB website. Or visit a branch.
Who can get the card?
Indian citizens aged 21-70. You need income and a good credit score.
Are there fees?
Platinum has no fees if used. Select has Rs. 500 joining and Rs. 750 annual fees.
What rewards do I get?
Points on spends. Cashback at Patanjali stores.
Does it have insurance?
Yes. Platinum has full coverage. Select gives Rs. 10 lakh for accidents.
Can I use a mobile app?
Yes. PNB Genie app helps you manage it.
What’s the credit limit?
Platinum has a normal limit. Select goes up to Rs. 10 lakh.
How do I use reward points?
Redeem them on the PNB Rewardz site.
Does it work outside India?
Yes, but RuPay may not be accepted everywhere.

🏁 Conclusion

The PNB Patanjali Credit Card is a smart choice. It started on March 2, 2022. It offers rewards, cashback, and insurance. The Platinum card is free if used. The Select card gives more perks like lounge access. Both work well for Patanjali fans. Pick the one that fits your life.

⚠️ Disclaimer

This blog is for information only. It’s not financial advice. Details come from public sources. They might change. Check the PNB website or call them for the latest info.