PNB Patanjali RuPay Credit Card Review
PNB + Patanjali co-brand on RuPay (Platinum + Select variants): 2% cashback at Patanjali stores (max ₹50/transaction, on spend >₹2,500), 5-7% additional cashback on recharge by Patanjali Ayurved, complimentary domestic + international lounges (Select), comprehensive insurance, 300+ RP welcome on first usage. Verified Apr 2026 against PNB Cards portal (pnbcard.in).
Who this is for
The PNB Patanjali RuPay co-brand is for Patanjali ecosystem shoppers (Patanjali stores, Divya Pharmacy, Patanjali Ayurved recharge) who want cashback on their regular purchases. Two variants: Platinum (no fees, basic benefits) and Select (750 fee waivable, with lounge access). Issued on RuPay, so UPI credit-card payments via PhonePe/GPay/Paytm are supported.
Two variants at a glance
| Feature | RuPay Platinum | RuPay Select |
|---|---|---|
| Joining fee | NIL | 500 |
| Annual fee | NIL (with quarterly use) | 750 (waived on quarterly use) |
| Lounge access | No | Complimentary domestic + international |
| Best for | Casual Patanjali shoppers | Patanjali regulars + occasional travellers |
Rewards structure (both variants)
- Patanjali stores (spends >2,500): 2% cashback
- Recharge: 5% to 7% cashback (varies by category)
- Welcome: 300+ reward points on first use
- 300+ merchant offers across partner network
Insurance & other benefits
- Accidental death + personal total disability cover: 10 lakh
- Select-only: Lounge access — complimentary domestic + international visits (verify count with PNB)
- RuPay-on-UPI: Link to GPay/PhonePe/Paytm for credit card payments via UPI scan
Compared with alternatives
| Card | Fee | Ecosystem rate | UPI on RuPay |
|---|---|---|---|
| PNB Patanjali RuPay Platinum | NIL | 2% Patanjali + 5-7% recharge | Yes |
| ICICI Amazon Pay | LTF | 5% Amazon | Yes |
| HDFC Pixel Go | 250 | 1% + 5% SmartBuy | Yes |
| Axis SUPERMONEY RuPay | LTF | 3% super.money | Yes |
Should you apply?
Apply if: Regular Patanjali buyer, want zero-cost card with modest cashback, value RuPay-on-UPI. Platinum variant is particularly no-risk.
Skip if: You rarely shop Patanjali — the 2% becomes irrelevant and 1% base is below competitive alternatives.
The bottom line
The PNB Patanjali RuPay is a niche zero-risk co-brand card for Patanjali ecosystem shoppers. Platinum offers genuine zero-cost ownership. Rewards are modest outside Patanjali, so treat as supplementary card for Patanjali/recharge spends.
Verified against PNB Patanjali co-brand details and April 2026 listings. Quarterly use (1 transaction per quarter) waives annual fee on both variants.