The rewarding co-branded card for the frequent domestic and international traveller.
Complimentary Lounge Access
Welcome Voucher worth ₹3,000
Flat Discounts on Flights, Hotels, and Buses
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| Benefit | Details |
|---|---|
| Exclusive Travel Discounts | Cardholders receive fixed-rate instant discounts on domestic and international flight, hotel, and bus bookings made via EaseMyTrip. |
| Complimentary Lounge Access | The card provides access to selected domestic and international airport lounges, offering comfort during travel transit. |
| Generous Welcome Gift | A welcome voucher valued at ₹3,000 is provided, which can be utilised for flight, hotel, and holiday package bookings on the co-brand partner's platform. |
| Insurance Coverage | Comprehensive insurance benefits are offered, providing a financial safety net against accidental death or personal total disability up to ₹2 lakhs. |
| Annual Fee Waiver | The card's annual fee is waived upon achieving a specified minimum annual spend |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Punjab National Bank (PNB) |
| Bank / Non-bank | Bank-affiliated |
| Category | Travel / Co-branded Rewards |
| Type of Card | RuPay Platinum |
| Free or Paid | ₹2,000 Annually (waived on spends of over ₹1 lakh) |
The PNB EaseMyTrip (EMT) RuPay Platinum Credit Card is suitable for individuals whose primary expenditure is on travel and holidays. It is a powerful tool for users who frequently book flights, hotels, and bus tickets through the EaseMyTrip platform, as the card's entire value proposition is centred around maximising savings on these co-branded transactions. The inclusion of complimentary airport lounge access and the RuPay network further connects its position as a dedicated travel companion for both domestic and international journeys.
Co-branded Partnership: This credit card is a co-branded offering by Punjab National Bank and EaseMyTrip, combining financial services with travel convenience to cater to frequent travellers.
Card Network: The card operates on the RuPay Platinum network, providing secure transactions and compatibility with domestic and select international RuPay-accepting merchants.
Credit Limit Range: Eligible cardholders can access a credit limit starting from ₹50,000 up to ₹5,00,000, depending on the applicant’s profile and bank’s internal underwriting policy.
Joining and Annual Fee: The primary card attracts a joining fee and an annual renewal fee of ₹2,000 each, making it a mid-tier card suited for users seeking travel-focused privileges.
Annual Fee Waiver: Cardholders can avail an annual fee waiver upon achieving a specified yearly spending threshold set by the bank.
Travel-Oriented Usage: The card is specifically designed for travel-related payments such as flight, hotel, and holiday bookings through EaseMyTrip, ensuring maximum utility for travellers.
Insurance Coverage: It includes complimentary accidental death and total disability insurance cover for added protection while travelling.
Welcome Benefits: New users receive a welcome travel voucher package comprising flight, hotel, and holiday vouchers upon successful card activation.
Initial Reward Points: An introductory benefit of 300+ Reward Points is credited to the cardholder's account upon the completion of the first retail or online transaction within the specified period.
Gift Vouchers: Exchange points for e-vouchers from a wide range of partner brands available on the PNB Rewardz portal.
Merchandise & Travel: Points can be used to acquire merchandise from the rewards catalogue, or for booking movie tickets, flights, and hotels.
Welcome Voucher: Cardholders receive a voucher worth a total benefit of ₹3,000. This benefit is segmented for use on the EaseMyTrip platform as follows: ₹500 for flights, ₹1,000 for hotels, and ₹1,500 for holiday package bookings.
Voucher Usage: The voucher codes are typically provided upon card activation and are subject to the specific terms and conditions set by EaseMyTrip for minimum booking values and usage validity.
Annual Fee Waiver: The annual fee of ₹2,000 is waived for the subsequent year if the cardholder's total annual retail expenditure on the card is ₹1,00,000 or more in the preceding year.
1% Waiver: A 1% fuel surcharge waiver is applicable on transactions between ₹500 and ₹4,000 at any fuel station in India.
Maximum Benefit: The maximum waiver benefit is capped at ₹250 per statement cycle for the Platinum variant cardholders.
Domestic Lounge Access: Cardholders are entitled to a specific number of complimentary visits to participating domestic airport lounges.
International Lounge Access: The card also extends complimentary access to international airport lounges.
Coverage Amount: Up to ₹2 lakhs for instances of accidental death and personal total disability.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹2,000 + GST | One-time charge upon card issuance. |
| Annual Fee | ₹2,000 + GST | Charged yearly. Waived if annual retail spends are ₹1,00,000 or more in the preceding year. |
| Add-on Card Fee | ₹0 | No charge for supplementary cards for eligible family members. |
| Finance Charges | 2.95% per month (35.89% per annum) | Interest rate on outstanding balance after the due date, cash withdrawals, and overdues. |
| Cash Advance Charges | 2.0% of the amount withdrawn or a minimum fee (e.g., ₹100), whichever is higher. | Fee for cash withdrawals at ATMs. |
| Foreign Currency Markup | 3.50% of the transaction value. | Applied to all international transactions. |
| Fuel Surcharge | 1% on transactions between ₹500–₹4,000 | Maximum waiver up to ₹250 per statement cycle. |
| Criteria | Details |
|---|---|
Age (Primary Cardholder) | Minimum 18 years |
Age (Add-on Cardholder) | Minimum 18 years. |
Occupation | Salaried or Self-Employed individuals with a stable source of income. |
Minimum Annual Income | Typically requires an annual income of ₹2.5 lakhs or higher (criteria may vary for PNB existing customers). |
Other Criteria | Possession of a good credit score (750+ is generally preferred) and a clean repayment history. |
| Document Type | Details |
|---|---|
| Identity Proof | Applicants can submit any of the following documents as valid proof of identity: Passport, PAN Card, Voter ID, Driving Licence, or Aadhaar Card. A letter issued by a recognised public authority or government employee may also be accepted to verify both address and identity. For married women applying with their maiden name, a self-attested copy of the marriage certificate must accompany the identity document. Additionally, a recent credit card statement (not older than two months) that includes the applicant's photograph, registered property documents with photo identification, or an arms licence issued by a state or central authority can also serve as valid identity proof. |
| Address Proof | Any of the following can be presented to confirm the applicant's current residential address: Ration card, electricity bill, telephone bill, or recent bank account statement. Other acceptable documents include a letter from the employer (approved by the bank), credit card statement, or a communication from an authorised public authority. Applicants may also submit an Income or Wealth Tax Assessment Order, letter from a public sector employer, or Voter ID Card showing the present address. Additionally, postpaid mobile bills, consumer gas connection cards/bills, and piped gas bills are considered valid address proofs. |
| Income Proof | To verify income, applicants must provide documents such as a bank statement not older than three months, latest salary slip, Form 16, or a copy of Income Tax Return (ITR). In the case of business entities or self-employed individuals, a profit and loss account and audited financial statements are required as proof of income. |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your EMT RuPay Platinum Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Travel Discounts | The primary utility is through EaseMyTrip. Cardholders should ensure all flight, hotel, and bus bookings are made on the co-brand partner's platform to access the instant discounts. |
Annual Fee Waiver Target | Cardholders should monitor their total annual retail expenditure to ensure it exceeds the ₹1,00,000 threshold, thereby securing the waiver of the annual renewal fee. |
Utilise Lounge Access | The complimentary domestic and international lounge visits should be utilised to enhance the waiting experience at airports. |
Manage Via PNB Mobile App | The PNB mobile application offers a convenient way to track spending, view statements, and manage the card's security features. |
Adhere to Transaction Cap | The monthly limit of four transactions for travel discounts should be considered when planning travel bookings to ensure eligibility. |
The PNB EMT (EaseMyTrip) RuPay Platinum Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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