PNB Patanjali RuPay Select Credit Card
Punjab National Bank
Last updated: Feb 03, 2026
₹750
₹500
3.5%
12 visits/yr
Contents
PNB Patanjali RuPay Select Credit Card is a co-branded credit card from Punjab National Bank and Patanjali, designed for loyal Patanjali shoppers and value-conscious families who want cashback, rewards and lounge access in one card. You earn 2X reward points on retail merchandise, 2% cashback on eligible Patanjali store purchases and additional 5–7% cashback for Patanjali Swadeshi Samridhi Card users, making it a strong choice for everyday groceries, wellness and ayurvedic products. The card also offers 300+ welcome reward points on first use, complimentary domestic and international lounge access via the RuPay Select programme, 300+ merchant offers, and accidental insurance cover, while the annual fee can be waived by using the card at least once every quarter. Overall, this is a practical, low-maintenance co-branded card for customers who frequently shop at Patanjali outlets and want a simple rewards plus cashback structure.
Features of PNB Patanjali RuPay Select Credit Card which makes it unique
Co-Branded Patanjali Benefits
Extra savings at Patanjali stores through 2% cashback on eligible spends and additional 5–7% cashback for Swadeshi Samridhi Card recharges.
High value-back on Patanjali groceries, ayurvedic medicines and wellness products.
One of the few co-branded Patanjali credit cards in India with dual rewards plus cashback.
Quarterly Usage-Based Annual Fee Waiver
Use the card at least once in each quarter in the preceding year and get the ₹750 annual fee waived.
Effectively works like a lifetime-free card for active users who make small regular purchases.
Simpler and easier to achieve than typical high annual-spend waiver conditions.
RuPay Select Lounge Programme
Complimentary domestic and international lounge access through the RuPay Select lounge programme with access to comfortable seating, Wi-Fi and refreshments.
Travel comfort benefits on an entry-level co-branded card with modest fees.
Lounge access on a low joining-fee card, unlike many basic cashback cards that offer no travel perks.
Rewards Structure of PNB Patanjali RuPay Select Credit Card
Retail Merchandise
acceleratedAll eligible retail merchandise spends except fuel, cash withdrawals and excluded categories
Best used for everyday shopping at supermarkets, clothing, electronics and other retail outlets to maximise 2X rewards.
Other Eligible Spends
baseAll other eligible retail transactions not covered under special cashback or partner offers
Base rewards help you earn points on daily card usage such as groceries, utilities and regular shopping.
Patanjali Store Spends
baseTransactions above ₹2,500 at Patanjali standalone stores and authorised outlets
Ideal for Patanjali loyalists who regularly buy groceries, ayurvedic medicines and wellness products from Patanjali stores.
Patanjali Swadeshi Samridhi Card Recharges
baseRecharges of Patanjali Swadeshi Samridhi Card using PNB Patanjali RuPay Select Credit Card
Stack 2X rewards, 2% cashback and extra 5–7% partner cashback on Swadeshi Samridhi Card recharges for very high savings at Patanjali.
Fees & Charges of PNB Patanjali RuPay Select Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹750 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹200 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee is waived if the card is used at least once in each quarter in the preceding year.
Fee Explanation Standard Punjab National Bank credit card rates apply for finance charges, cash withdrawals and penalties. Actual late payment and overlimit fees are slab-based as per the latest MITC and Schedule of Fees.
Detailed Explanation of PNB Patanjali RuPay Select Credit Card Fees
Joining Fee: ₹500 (one-time)
Payable for the primary card in the first year.
Annual Fee: ₹750 (yearly)
Annual fee waived if the card is used at least once in each quarter in the preceding year.
Cash Advance Fee: 2% of amount, minimum ₹150 at PNB ATMs (per transaction)
2% of cash withdrawn; minimum ₹150 at PNB ATMs, ₹200 at other domestic ATMs and ₹300 at overseas ATMs.
Late Payment Fee: Up to ₹750 (per statement)
Nil if total due ≤ ₹1,000; ₹500 for ₹1,001–₹5,000; ₹600 for ₹5,001–₹10,000; ₹750 if total due > ₹10,000.
Overlimit Fee: 2.5% of overlimit amount (min ₹500) (per occurrence)
Charged whenever the total outstanding exceeds the sanctioned credit limit as per MITC.
Returned Payment / Dishonour Fee: ₹200 per instrument (per occurrence)
Applicable for cheque, ECS or auto-debit dishonour on RuPay cards.
Foreign Currency Transaction Fee: 3.5% of transaction value (per transaction)
Currency conversion factor of 3.50% over card network rate on international transactions, plus applicable GST.
Fuel Surcharge Waiver: 1% waiver up to ₹350 per statement (monthly)
Valid on fuel transactions between ₹400 and ₹3,000; maximum waiver ₹350 per billing cycle as per PNB schedule of charges.
Lounge Access Benefits with PNB Patanjali RuPay Select Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Complimentary domestic airport lounge access via RuPay Select network; current limits typically up to 2 visits per quarter, subject to change as per RuPay lounge programme.
international Lounges
silverVisits per year: 4
Guest access: No
Complimentary international lounge access at select partner lounges via RuPay/Discover/JCB network; number of visits and lounge list as per latest RuPay Select programme terms.
Insurance Coverage with PNB Patanjali RuPay Select Credit Card
Accidental Death and Permanent Total Disability Insurance
₹10,00,000Coverage for primary cardholder against accidental death or permanent total disability, subject to RuPay insurance programme and PNB credit card insurance terms and conditions.
Additional Features of PNB Patanjali RuPay Select Credit Card
PNB Genie Mobile App
Manage your PNB Patanjali RuPay Select Credit Card through the PNB Genie app – check statements, set limits, enable or disable international usage and control contactless payments.
Auto Debit and EMI Facility
Option to set up auto-debit from PNB account and convert high-value purchases into EMIs for better cash flow.
EMI conversion is subject to minimum transaction amount and bank approval; processing fees and interest may apply.
Add-on Cards
Apply for add-on cards for eligible family members to share the same limit and enjoy Patanjali cashback and rewards.
Add-on cardholders must meet age and KYC requirements; spends are billed to the primary card account.
Contactless Payments
Tap-and-pay enabled for fast, secure small-ticket transactions without inserting the card or entering a PIN up to the contactless limit.
Contactless limit as per RBI and PNB guidelines (for example, up to ₹5,000 per transaction, subject to change).
Welcome Bonus with PNB Patanjali RuPay Select Credit Card
Welcome Bonus: 00+ Reward Points
Bonus Conditions: Welcome reward points are awarded on the first transaction on the card as per Punjab National Bank credit card terms and conditions.
Application Process for PNB Patanjali RuPay Select Credit Card
Processing Time
7-10 working days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official PNB credit card website or the dedicated PNB Patanjali credit card page and choose the PNB Patanjali RuPay Select Credit Card.
Fill out the online credit card application form with personal, employment and income details and submit your KYC documents digitally or via branch.
PNB performs credit checks and verifies your documents; you may receive a verification call or branch visit if required.
On approval, your credit limit is assigned and the PNB Patanjali RuPay Select Credit Card is printed and dispatched to your registered address.
Activate the card using PNB Genie app, PNB customer care or at an ATM and set your PIN before starting transactions.
Required Documents for PNB Patanjali RuPay Select Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
PNB Patanjali RuPay Select Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across RuPay-enabled POS terminals and online merchants throughout India, suitable for groceries, retail, fuel, utilities and daily spends.
International Acceptance
Accepted at international merchants on partner networks such as Discover, Diners Club and JCB where RuPay is enabled.
Online Acceptance
Yes, can be used on e-commerce websites, bill payment platforms and Patanjali online channels that support RuPay.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for PNB Patanjali RuPay Select Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹42,000
Minimum annual income
Self-Employed Applicants
₹50,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should have a stable income profile, clean repayment history and valid KYC documents including PAN and Aadhaar.
How Approval Is Decided
- Indian resident aged at least 21 years with stable income.
- Minimum annual income around ₹5 lakh, higher income may be required for a higher credit limit.
- Clean repayment track record with acceptable credit score, usually 700 or above.
- Complete and valid KYC documents including PAN, Aadhaar, address and income proofs.
Pros of PNB Patanjali RuPay Select Credit Card
- Excellent savings at Patanjali stores due to 2% cashback plus additional 5–7% partner cashback on Swadeshi Samridhi Card recharges.
- 2X reward points on retail merchandise, suitable for everyday shopping and grocery spends.
- Complimentary domestic and international lounge access via RuPay Select lounge programme, rare in this fee segment.
- Annual fee can be waived simply by using the card once every quarter, making it low-maintenance.
- Accidental insurance cover up to ₹10 lakh provides additional protection for cardholders.
Cons of PNB Patanjali RuPay Select Credit Card
- Best value is concentrated at Patanjali stores; benefits are weaker if you rarely shop at Patanjali.
- No clear accelerated rewards for online shopping, fuel or travel outside partner offers.
- Foreign currency transaction fee of 3.5% makes it a poor choice for international spends.
- Reward rate is modest compared to premium reward or cashback cards available at higher income levels.
- Co-branded nature means partner-related terms like additional cashback slabs can change as per Patanjali programme updates.
Frequently Asked Questions about PNB Patanjali RuPay Select Credit Card
What is the joining and annual fee of the PNB Patanjali RuPay Select Credit Card?
The PNB Patanjali RuPay Select Credit Card has a joining fee of ₹500 and an annual fee of ₹750 for the primary card. However, the annual fee is waived if you use the card at least once in each quarter in the preceding year.
How does cashback work on the PNB Patanjali RuPay Select Credit Card at Patanjali stores?
You earn 2% cashback on transactions above ₹2,500 at Patanjali stores, capped at ₹50 per eligible transaction. In addition, Patanjali Swadeshi Samridhi Card users get an extra 5–7% cashback on recharges made with this credit card, as per Patanjali programme rules.
What rewards do I get on everyday spends with the PNB Patanjali RuPay Select Credit Card?
On this card, you earn 300+ welcome reward points on first use and 2X reward points on retail merchandise. Other eligible spends earn base reward points as per Punjab National Bank’s standard rewards programme, which can be redeemed for vouchers, merchandise and other options.
Does the PNB Patanjali RuPay Select Credit Card offer airport lounge access?
Yes, the PNB Patanjali RuPay Select Credit Card offers complimentary domestic and international lounge access under the RuPay Select lounge programme. The number of visits and eligible lounges are governed by the latest RuPay Select terms, so it is advisable to check the current lounge list and limits before travel.
Who should apply for the PNB Patanjali RuPay Select Credit Card?
This card is best suited for loyal Patanjali shoppers, value-conscious families and beginners who want a simple co-branded credit card with cashback at Patanjali stores, 2X rewards on retail, lounge access and an easy annual fee waiver. If you spend regularly at Patanjali outlets or use the Swadeshi Samridhi Card, this card can deliver strong value.
Is the PNB Patanjali RuPay Select Credit Card good for international transactions?
No, this card is not ideal for international spends because it carries a foreign currency transaction fee of 3.5% plus GST. For heavy foreign currency usage, travel credit cards or zero-forex cards with lower mark-up fees are usually better options.
What is the minimum income and eligibility criteria for the PNB Patanjali RuPay Select Credit Card?
Typically, applicants should be at least 21 years old, Indian residents and salaried or self-employed with minimum annual income of around ₹5 lakh, along with a good credit profile and valid KYC documents. Final eligibility, income threshold and limit are decided by Punjab National Bank as per its internal policies.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
