PNB BLISS vs PNB EMT RuPay Platinum
Level at ₹75,000 a month
PNB EMT RuPay Platinum vs PNB Patanjali RuPay Platinum
Punjab National Bank / EaseMyTrip
Punjab National Bank / Patanjali Ayurved
PNB Patanjali RuPay Platinum vs PNB EMT RuPay Platinum: which should you pick?
PNB EMT RuPay Platinum and PNB Patanjali RuPay Platinum both earn PNB Reward Points, so the transfer partners are the same; what separates them is how fast each earns and what each costs. PNB EMT RuPay Platinum stays about ₹500 a year ahead of PNB Patanjali RuPay Platinum whatever you spend, from ₹25,000 to ₹5 lakh a month. At ₹75,000 a month much of PNB EMT RuPay Platinum's edge is the fee: its fee is waived at that spend, while PNB Patanjali RuPay Platinum charges ₹500. Pick PNB Patanjali RuPay Platinum instead if you would rather pay less to get the card: PNB Patanjali RuPay Platinum costs ₹0 joining, then ₹500/yr, PNB EMT RuPay Platinum ₹2,000/yr.
PNB Patanjali RuPay Platinum costs nothing to get and ₹500 a year to keep.
PNB EMT RuPay Platinum review PNB Patanjali RuPay Platinum review
Side by side
| Fact | PNB EMT RuPay Platinum | PNB Patanjali RuPay Platinum |
|---|---|---|
| Can you get it | Not confirmed on sale | Not confirmed on sale |
| Fee (joining · annual, + GST) | ₹2,000/yr | ₹0 joining, then ₹500/yr✓ Better |
| Fee waiver | Spend ₹1,00,000 a year | By banking relationship |
| Reward rate on everyday spend | 0.3% | 0.3% |
| Points | PNB Reward Points | PNB Reward Points |
| Our value per point | ₹0.25 | ₹0.25 |
| Transfer partners | None | None |
| Lounges it gets you into | 0 of 792 | 0 of 792 |
| Forex markup | 3.5% | 3.5% |
| Welcome benefit | Welcome voucher pack worth ₹3,000 (₹500 flights + ₹1,000 hotels + ₹1,500 holidays), plus 300+ reward points on activation | 300+ reward points on first usage |
✓ Better marks the side that wins a row; rows that compare unlike things are not scored. PNB EMT RuPay Platinum is ahead on 6 of the 7 rows we can call.
More facts 6 rows
| Fact | PNB EMT RuPay Platinum | PNB Patanjali RuPay Platinum |
|---|---|---|
| Our rank | Not ranked (not confirmed) | Not ranked (not confirmed) |
| Our verdict | Downgrade | Downgrade |
| Lounge visits in India | 8 visits/yr (2 per calendar quarter) — PNB's redesigned page prints "Domestic-2 per qtr,International-2 per yr" and names no network, so the quota is real and the doors are unmapped | 8 visits/yr (2 per calendar quarter) — PNB's redesigned page prints "Domestic-2 per qtr,International-2 per yr" and names no network, so the quota is real and the doors are unmapped |
| Lounge visits abroad | 2 visits/yr (same line, same missing network) | 2 visits/yr (same line, same missing network) |
| Forex, in the bank’s words | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the LUXURA metal cards |
| Interest (APR) | 2.95%/mo (35.89%/yr); 1.5%/mo (19.56%/yr) on a card issued against a PNB fixed-deposit lien | 2.95%/mo (35.89%/yr), PNB's bank-wide retail rate |
Neither issuer publishes an income floor for these two, and the door is the same on both sides: PNB EMT RuPay Platinum and PNB Patanjali RuPay Platinum are both not confirmed to be on sale.
Our value per point is what we think a point is worth when you use it well; every currency's figure and its reasoning is on points values.
What each is worth to you
| Monthly spend | PNB EMT RuPay Platinum | PNB Patanjali RuPay Platinum |
|---|---|---|
| At ₹30,000 a month | ₹900✓ Better | ₹400 |
| At ₹75,000 a month | ₹2,300✓ Better | ₹1,800 |
| At ₹1.5 lakh a month | ₹4,500✓ Better | ₹4,000 |
| At ₹3 lakh a month | ₹9,000✓ Better | ₹8,500 |
| At ₹5 lakh a month | ₹15,000✓ Better | ₹14,500 |
| Pays for itself from | ₹9,000 a month, by waiving its fee✓ Better | ₹17,000 a month |
On an everyday mix of spending (groceries, bills, travel, fuel and the rest), using each card's own rules for each kind of spend. The same figures as each card's own page.
Every spend from ₹25,000 to ₹5 lakh 20 steps
| Monthly spend | PNB EMT RuPay Platinum | PNB Patanjali RuPay Platinum | Ahead |
|---|---|---|---|
| ₹25,000 | ₹800✓ Better | ₹300 | PNB EMT RuPay Platinum by ₹500 |
| ₹50,000 | ₹1,500✓ Better | ₹1,000 | PNB EMT RuPay Platinum by ₹500 |
| ₹75,000 | ₹2,300✓ Better | ₹1,800 | PNB EMT RuPay Platinum by ₹500 |
| ₹1 lakh | ₹3,000✓ Better | ₹2,500 | PNB EMT RuPay Platinum by ₹500 |
| ₹1.25 lakh | ₹3,800✓ Better | ₹3,300 | PNB EMT RuPay Platinum by ₹500 |
| ₹1.5 lakh | ₹4,500✓ Better | ₹4,000 | PNB EMT RuPay Platinum by ₹500 |
| ₹1.75 lakh | ₹5,300✓ Better | ₹4,800 | PNB EMT RuPay Platinum by ₹500 |
| ₹2 lakh | ₹6,000✓ Better | ₹5,500 | PNB EMT RuPay Platinum by ₹500 |
| ₹2.25 lakh | ₹6,800✓ Better | ₹6,300 | PNB EMT RuPay Platinum by ₹500 |
| ₹2.5 lakh | ₹7,500✓ Better | ₹7,000 | PNB EMT RuPay Platinum by ₹500 |
| ₹2.75 lakh | ₹8,300✓ Better | ₹7,800 | PNB EMT RuPay Platinum by ₹500 |
| ₹3 lakh | ₹9,000✓ Better | ₹8,500 | PNB EMT RuPay Platinum by ₹500 |
| ₹3.25 lakh | ₹9,800✓ Better | ₹9,300 | PNB EMT RuPay Platinum by ₹500 |
| ₹3.5 lakh | ₹10,500✓ Better | ₹10,000 | PNB EMT RuPay Platinum by ₹500 |
| ₹3.75 lakh | ₹11,300✓ Better | ₹10,800 | PNB EMT RuPay Platinum by ₹500 |
| ₹4 lakh | ₹12,000✓ Better | ₹11,500 | PNB EMT RuPay Platinum by ₹500 |
| ₹4.25 lakh | ₹12,800✓ Better | ₹12,300 | PNB EMT RuPay Platinum by ₹500 |
| ₹4.5 lakh | ₹13,500✓ Better | ₹13,000 | PNB EMT RuPay Platinum by ₹500 |
| ₹4.75 lakh | ₹14,300✓ Better | ₹13,800 | PNB EMT RuPay Platinum by ₹500 |
| ₹5 lakh | ₹15,000✓ Better | ₹14,500 | PNB EMT RuPay Platinum by ₹500 |
How we work out the yearly value
We put each card through the same everyday mix of spending, apply that card's own rules for each kind of spend (some earn nothing on fuel or bills), add its milestone and renewal bonuses at our value per point, and take off the fee unless that spend waives it. Bonus categories that need you to shop a certain way are not counted. Your own mix will differ: try your numbers in the calculator, or read how we value cards.
Before you choose
Transfer partners 0 shared
Both cards earn PNB Reward Points, so they move points to the same 0 partners .
Every partner and ratio is on each card's page; the best value for your points is on the transfer optimizer.
Watch out 6 points
PNB EMT RuPay Platinum
- The base rate is on PNB's Rewardz programme page, not this card's — EMT.html names the variant (RuPay Platinum) and the programme page rates that BIN at 1 point per ₹100
- No forex concession (the bank-wide 3.5% markup applies), and no network named for the lounge visits
- Discounts cap at 4 transactions per card per month, and the ₹2,000 ANNUAL fee waiver needs ₹1L of the PRECEDING year's spend — unreachable in year one (the JOINING fee is the reimbursable one)
PNB Patanjali RuPay Platinum
- The ₹500 annual fee lands in any year the card misses a quarter — PNB's page and fee table agree on that now
- PNB's Key Fact Statement of 14 Oct 2026 carries a second schedule, dated from 1 November 2026, that prints a lower annual fee for this card (Nil instead of ₹500) than the same-day fee table; PNB's 1 November notice lists no annual-fee change, so we keep the fee table's figure until two PNB documents agree
- PNB names no guest policy and no network for the lounge visits — check the lounge accepts the card before you rely on it
Common questions 5 answered
Which is better, PNB EMT RuPay Platinum or PNB Patanjali RuPay Platinum?
PNB EMT RuPay Platinum and PNB Patanjali RuPay Platinum both earn PNB Reward Points, so the transfer partners are the same; what separates them is how fast each earns and what each costs. PNB EMT RuPay Platinum stays about ₹500 a year ahead of PNB Patanjali RuPay Platinum whatever you spend, from ₹25,000 to ₹5 lakh a month. At ₹75,000 a month much of PNB EMT RuPay Platinum's edge is the fee: its fee is waived at that spend, while PNB Patanjali RuPay Platinum charges ₹500. Pick PNB Patanjali RuPay Platinum instead if you would rather pay less to get the card: PNB Patanjali RuPay Platinum costs ₹0 joining, then ₹500/yr, PNB EMT RuPay Platinum ₹2,000/yr.
PNB EMT RuPay Platinum or PNB Patanjali RuPay Platinum: which is worth more at ₹3 lakh a month?
PNB EMT RuPay Platinum and PNB Patanjali RuPay Platinum are ₹500 a year apart at ₹3 lakh a month. Both figures are a year's rewards and bonuses on an everyday spending mix, after the fee.
Which costs less to get, PNB EMT RuPay Platinum or PNB Patanjali RuPay Platinum?
PNB Patanjali RuPay Platinum: ₹0 joining, then ₹500/yr against ₹2,000/yr. PNB EMT RuPay Platinum waives its fee if you spend ₹1,00,000 a year; PNB Patanjali RuPay Platinum waives its fee through a banking relationship.
Which gets you into more airport lounges, PNB EMT RuPay Platinum or PNB Patanjali RuPay Platinum?
Both get you into 0 of the 792 lounges we track.
How current is this comparison?
Both cards were last checked against their banks' own documents on 17 Oct 2026. Every figure here is worked out again from those records each time the site is built, so a change to either card shows up the day we log it.
Sources
Both cards were last checked against their banks' own documents on 17 Oct 2026. Every fact above comes from these 6 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.
The documents 6 sources
- Official PNB EMT RuPay Platinum product page — the fees, earn rate, lounge quota, welcome pack and flight/hotel discount tiers read
- Official PNB Rewardz programme page — the per-variant earn table that rates the RuPay Platinum band this card sits in read
- Official PNB public notice — revised credit-card service charges from 1 November 2026, including the EMT card's cash advance charge read
- Official PNB's Most Important Terms & Conditions — values a reward point at 25 paise and expires points 3 years from accrual read
- Official PNB bank-wide Key Fact Statement — EaseMyTrip RuPay Platinum's ₹2,000/₹2,000 fee line, the spend that reimburses the joining charge, and the 3.5% forex markup read
- Official PNB's Patanjali RuPay Platinum product page — fees, the earn rate, the lounge quota and the 2% Patanjali cashback read