cards / credit / punjab and sind bank / psb-mastercard-platinum-credit-card
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§ BENEFITS
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions between Rs 400 and Rs 5000
1% waiver
Complimentary Domestic Lounge Access
4 complimentary domestic airport lounge visits per quarter
4 per quarter
Reward Points on All Spends
Earn 3 reward points per Rs 100 on all transactions
3 RP per Rs 100
Air Accident Cover
Air accident insurance coverage when ticket is booked using the card
Rs 50 Lakh
Annual Fee Waiver
Annual fee waived on spending Rs 1.5 Lakh annually
Fee waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹3,00,000
- Min monthly salary
- —
- Age
- 18 – 60
- Min credit score
- 650
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹800
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 48 days
- Min due
- 5%
† Excluding GST
† Excluding GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹200
- Other bank free / month
- 0
- Other bank charge
- ₹200
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 3.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹400
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹150
- Networks
- All
§ LIMITS
- ATM / day
- ₹50,000
- POS + e-com / day
- ₹3,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹25,000
§ INSURANCE
- Insurance
- Not provided
§ REWARDS
- Programme
- Punjab Reward Points
- Earn rate
- 3 RP per Rs 100 on all spends
- Point value
- ₹0.25
- Effective cashback
- 0.80%
- Min redemption
- 500 pts
- Expiry
- 2 years from date of accrual
§ LOUNGE
- Domestic
- Per quarter
- International
- Not available
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹1,500 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Punjab and Sind Bank and earns no commission on applications.