PNB SALARY RuPay Platinum vs PNB EMT RuPay Platinum
Level at ₹75,000 a month
PNB Patanjali RuPay Platinum vs PNB SALARY RuPay Platinum
Punjab National Bank / Patanjali Ayurved
Punjab National Bank
PNB SALARY RuPay Platinum vs PNB Patanjali RuPay Platinum: which should you pick?
Both earn PNB Reward Points, so PNB Patanjali RuPay Platinum and PNB SALARY RuPay Platinum share every transfer partner and differ only in how fast they earn and what they cost. Whatever you spend between ₹25,000 and ₹5 lakh a month, PNB SALARY RuPay Platinum comes out roughly ₹500 a year ahead of PNB Patanjali RuPay Platinum. At ₹75,000 a month much of PNB SALARY RuPay Platinum's edge is the fee: it charges no fee, while PNB Patanjali RuPay Platinum charges ₹500. On the rows below, PNB Patanjali RuPay Platinum has no clear edge over PNB SALARY RuPay Platinum.
PNB Patanjali RuPay Platinum costs nothing to get and ₹500 a year to keep.
PNB Patanjali RuPay Platinum review PNB SALARY RuPay Platinum review
Side by side
| Fact | PNB Patanjali RuPay Platinum | PNB SALARY RuPay Platinum |
|---|---|---|
| Can you get it | Not confirmed on sale | Not confirmed on sale |
| Fee (joining · annual, + GST) | ₹0 joining, then ₹500/yr | ₹0 — lifetime free |
| Fee waiver | By banking relationship | None |
| 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 | 17 of 792✓ Better |
| Forex markup | 3.5% | 3.5% |
| Welcome benefit | 300+ reward points on first usage | 300 Reward Points on a first retail or online transaction within 90 days of receiving the card |
✓ Better marks the side that wins a row; rows that compare unlike things are not scored. PNB SALARY RuPay Platinum is ahead on 7 of the 7 rows we can call.
More facts 8 rows
| Fact | PNB Patanjali RuPay Platinum | PNB SALARY RuPay Platinum |
|---|---|---|
| Our rank | Not ranked (not confirmed) | Not ranked (not confirmed) |
| Our verdict | Downgrade | Keep |
| 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 | 4 visits/yr (1 per calendar quarter) |
| Lounge visits abroad | 2 visits/yr (same line, same missing network) | 1 visit/yr |
| Forex, in the bank’s words | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the LUXURA metal cards | 3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards |
| Interest (APR) | 2.95%/mo (35.89%/yr), PNB's bank-wide retail rate | 2.95%/mo (35.89%/yr); 1.5%/mo (19.56%/yr) on a card issued against a PNB fixed-deposit lien |
| Income needed (salaried) | not published | Gross monthly income above ₹25,000, and an active PNB salary account under the EXCEL scheme |
| Income needed (self-employed) | not published | Not available — this card is gated on a PNB salary account |
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 Patanjali RuPay Platinum | PNB SALARY RuPay Platinum |
|---|---|---|
| At ₹30,000 a month | ₹400 | ₹900✓ Better |
| At ₹75,000 a month | ₹1,800 | ₹2,300✓ Better |
| At ₹1.5 lakh a month | ₹4,000 | ₹4,500✓ Better |
| At ₹3 lakh a month | ₹8,500 | ₹9,000✓ Better |
| At ₹5 lakh a month | ₹14,500 | ₹15,000✓ Better |
| Pays for itself from | ₹17,000 a month | The first rupee✓ Better |
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 Patanjali RuPay Platinum | PNB SALARY RuPay Platinum | Ahead |
|---|---|---|---|
| ₹25,000 | ₹300 | ₹800✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹50,000 | ₹1,000 | ₹1,500✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹75,000 | ₹1,800 | ₹2,300✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹1 lakh | ₹2,500 | ₹3,000✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹1.25 lakh | ₹3,300 | ₹3,800✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹1.5 lakh | ₹4,000 | ₹4,500✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹1.75 lakh | ₹4,800 | ₹5,300✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹2 lakh | ₹5,500 | ₹6,000✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹2.25 lakh | ₹6,300 | ₹6,800✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹2.5 lakh | ₹7,000 | ₹7,500✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹2.75 lakh | ₹7,800 | ₹8,300✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹3 lakh | ₹8,500 | ₹9,000✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹3.25 lakh | ₹9,300 | ₹9,800✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹3.5 lakh | ₹10,000 | ₹10,500✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹3.75 lakh | ₹10,800 | ₹11,300✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹4 lakh | ₹11,500 | ₹12,000✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹4.25 lakh | ₹12,300 | ₹12,800✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹4.5 lakh | ₹13,000 | ₹13,500✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹4.75 lakh | ₹13,800 | ₹14,300✓ Better | PNB SALARY RuPay Platinum by ₹500 |
| ₹5 lakh | ₹14,500 | ₹15,000✓ Better | PNB SALARY 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 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
PNB SALARY RuPay Platinum
- The 300-point first-transaction bonus is on PNB's Rewardz programme page under this card's BIN band, not on the card's own page — the recurring quarterly vouchers below are benefits, not a welcome bonus
- Requires an active PNB salary account under the EXCEL scheme — not available to a general applicant
- Half the lounge quota of the PNB Salary RuPay Select sibling (4+1 against 8+2) for the same fee-free cost
Common questions 5 answered
Which is better, PNB Patanjali RuPay Platinum or PNB SALARY RuPay Platinum?
Both earn PNB Reward Points, so PNB Patanjali RuPay Platinum and PNB SALARY RuPay Platinum share every transfer partner and differ only in how fast they earn and what they cost. Whatever you spend between ₹25,000 and ₹5 lakh a month, PNB SALARY RuPay Platinum comes out roughly ₹500 a year ahead of PNB Patanjali RuPay Platinum. At ₹75,000 a month much of PNB SALARY RuPay Platinum's edge is the fee: it charges no fee, while PNB Patanjali RuPay Platinum charges ₹500. On the rows below, PNB Patanjali RuPay Platinum has no clear edge over PNB SALARY RuPay Platinum.
PNB Patanjali RuPay Platinum or PNB SALARY RuPay Platinum: which is worth more at ₹3 lakh a month?
PNB SALARY 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 Patanjali RuPay Platinum or PNB SALARY RuPay Platinum?
They cost the same: ₹0 joining, then ₹500/yr. PNB Patanjali RuPay Platinum waives its fee through a banking relationship; PNB SALARY RuPay Platinum has no fee waiver.
Which gets you into more airport lounges, PNB Patanjali RuPay Platinum or PNB SALARY RuPay Platinum?
PNB SALARY RuPay Platinum: 17 of the 792 lounges we track, against 0 for PNB Patanjali RuPay Platinum. Visit limits and guest charges differ by card; each card's page lists them.
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 5 documents; the banks' own are marked official. A fact a bank does not publish shows as "not published", never as zero.
The documents 5 sources
- Official PNB Rewardz programme page — the per-variant earn table that rates the RuPay Platinum band this card sits in read
- Official PNB's Most Important Terms & Conditions for retail credit cards — the fee table naming the ₹500 annual fee this card's own product page does not read
- Official PNB's Patanjali RuPay Platinum product page — fees, the earn rate, the lounge quota and the 2% Patanjali cashback read
- Official PNB SALARY RuPay Platinum product page — eligibility, quantified lounge quota with explicit NPCI/RuPay citation, voucher stack, retail earn rate read
- Official PNB bank-wide Key Fact Statement — confirms PNB Salary RuPay Platinum's joining and annual fee are both Nil, and the standard 3.5% forex markup read