Patanjali Platinum Credit Card Review

The Patanjali Platinum Credit Card is a part of Patanjali’s venture of providing credit service to the remotest villages of India. Offering free access to airport lounges, exclusive discounts on Patanjali products, and an attractive welcome bonus, this card brings so much value with it that it can easily offset the Rs. 500 annual fee. More about the benefits are discussed below.

What are the eligibility criteria of the Patanjali Platinum Credit Card?

The patanjali platinum credit card eligibility criteria are not clearly mentioned, but as per our experience, we can say that it should be like this.

• Resident Type: Indian
• For salaried person:
  • Age: 21 to 65 years. 
  • Income: The average income of the applicant should be Rs. 30,000 per month.
• For self-employed person:
  • Age: 21 to 60 years. 
  • Income: The income tax return of the applicant should be greater than Rs. 3 lakh per year.
• An excellent credit score will help you to get a decent credit limit on this patanjali credit card.

What are the required documents for the Patanjali Platinum Credit Card?

• Photocopy of Address proof (any 1)
  • Last 6 months bank account Statement
  • Aadhar Card
  • Driving License
  • Passport
  • Utility bills
• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Two recent passport-sized photographs
• Proof of income statement:
  • Salaried Person (any 1)
    • Salary Slip of last 3 months
    • ITR (Income Tax Return)
  • Self-employed person
    • Income tax return of the last year
    • Proof of business

What are the applicable fees for Patanjali Platinum Credit Card?

• Patanjali Platinum Credit Card joining fee: None. 
• Patanjali Platinum Credit Card annual fee: Rs. 500 + GST

What are the major Patanjali Platinum Credit Card benefits?

• Enjoy credit convenience with a huge credit limit:

Depending on your creditworthiness, you can get up to an Rs. 5 lakh credit limit on this card.

• A very attractive welcome bonus to make a good start for you:

As you activate your card for the first time, you will receive 300 bonus reward points. The points will be credited to your account with the realization of the first-year joining fee.

• Earn cashback from every transaction:

On every transaction made at Patanjali outlets, you can get a 2% cashback. The transaction amount should be greater than Rs. 2500 and you can earn a maximum of Rs. 50 cashback per transaction. 

• Make every transaction rewarding with a powerful reward scheme:

You can earn reward points for almost every transaction you make using this card. You can also check the status of your reward points from the PNB Genie app.

• Make your journey comfortable with complimentary airport lounge access:

This card gives you free access to most of the domestic and international airport lounges. 

• Get extra security with complimentary Insurance coverage:

This card comes with Rs. 2 lakh coverage against permanent disability caused by an accident.

• Pay more conveniently with a low-cost EMI option:

Using the low-cost EMI option, you can split your high-value transactions into small monthly installments and pay them back more conveniently.

• Enjoy the convenience of contactless payment:

This card is equipped with an advanced contactless payment facility, this feature allows you to make payments just by placing your card over any contactless-enabled POS machine.

What are the Patanjali Platinum Credit Card charges?

Particulars	Payable Amount (Expected)
Cash withdrawal charge	2% against the withdrawn amount, min Rs. 100 (applicable once per withdrawal)
Finance Charge	Can go up to 2.95% per month.
Add-on card fee	None.

How can I contact the Patanjali Credit Card customer service?

• Call: 1800-180-2345(Toll-free) / 1800-102-1235 (Toll-free) / 1800-180-1235 (Toll-free) or 1800-180-4108 (Toll-free)
• Email: creditcardpnb@pnb.co.in or swadeshi.samridhi@patanjaliayurved.org 

100xGain Ratings: 

7/10

Pros and Cons:

Pros	Cons
This card is useful for those who purchase Patanjali products regularly. You will get free access to airport lounges. This card also offers reward points on everyday expenses.	There are no dining or entertainment benefits on this card. This card should offer a bit more discount on Patanjali products.

Final Opinion:

After analyzing the benefits I can say that this card can be beneficial for a specific group of people who have an interest in Patanjali products. They can make a good monthly saving through the 2% cashback offer. 

But if you are interested in other benefits like lounge access or reward points, then I don’t think this card is going to be that much helpful for you. In this case, I would recommend you take a look at our top credit card pages and find out the card that suits you.