PNB-RuPay Select Credit Card
Punjab National Bank
Last updated: Feb 03, 2026
₹750
₹500
3.5%
6 visits/yr
Contents
PNB-RuPay Select Credit Card is a mid-range rewards and cashback credit card from Punjab National Bank designed for everyday spends, utility payments and travel. You earn reward points on retail transactions, get 300+ bonus points on first use and enjoy access to complimentary domestic and international airport lounges under the RuPay Select programme. The card also offers cashback offers on utilities and dining, comprehensive insurance coverage and 24x7 concierge support, making it a value-focused choice for users who want lounge access and rewards without a very high annual fee.
Features of PNB-RuPay Select Credit Card which makes it unique
RuPay Select Lifestyle Benefits
Unlock RuPay Select platform privileges like OTT subscriptions, wellness offers, spa and gym deals, golf sessions and partner merchant discounts.
Adds lifestyle and entertainment value over and above core PNB rewards and cashback.
Access to RuPay Select ecosystem benefits not usually available on basic RuPay credit cards.
Low Cost Lounge Access Card
Enjoy complimentary domestic and international airport lounges while paying a relatively modest annual fee compared with many premium travel cards.
Good airport lounge access value for budget-conscious travellers.
Lower annual fee than most premium lounge access credit cards with comparable RuPay lounge benefits.
Rewards Structure of PNB-RuPay Select Credit Card
Base Rewards
baseAll eligible retail spends excluding fuel, cash advances, wallet loads and other excluded categories as per PNB rules.
Reward points earned can be redeemed for merchandise, vouchers or other options on the PNB rewards platform.
Retail Merchandise
acceleratedRetail merchandise and shopping spends made at stores and online merchants in India.
PNB highlights higher reward earning on retail merchandise; exact accrual is governed by the PNB rewards programme terms.
Utility Bills & Dining
baseUtility bill payments, eateries and restaurant spends at partner merchants.
Exclusive cashback on utility bills, eateries and restaurants is available through PNB and RuPay Select partner offers from time to time.
Milestones of PNB-RuPay Select Credit Card
Usage-Based Annual Fee Waiver
At least one eligible transaction in every quarter of the previous year : Annual fee waiver for the next year
Welcome Usage Milestone
First successful retail transaction after card activation : 300+ welcome reward points
Fees & Charges of PNB-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 every quarter during the previous year.
Fee Explanation Standard Punjab National Bank credit card charges apply, including finance charges of around 2.95% per month on revolved balances, tiered late payment fees and overlimit charges as per the latest PNB schedule.
Detailed Explanation of PNB-RuPay Select Credit Card Fees
Joining Fee: ₹500 (one-time)
Charged in the first year for the primary card; add-on cards are free.
Annual Fee: ₹750 (yearly)
Annual fee waived if the card is used at least once in every quarter of the previous year.
Finance Charges: 2.95% per month (monthly)
Applied on overdue balances and cash advances as per PNB credit card terms.
Cash Advance Fee: 2% of amount (min ₹150–₹300) (transaction)
Minimum fee depends on whether cash is withdrawn at PNB ATMs, other bank ATMs or overseas ATMs.
Foreign Currency Markup: 3.50% (transaction)
Charged on international transactions made in foreign currency.
Overlimit Fee: 2.5% (min ₹500) (statement)
Applied if the total outstanding exceeds the assigned credit limit.
Late Payment Fee: Up to ₹750 (statement)
Tiered slab based on total amount due; lower fees for smaller outstanding amounts.
Payment Dishonour Fee: ₹200 (incident)
Charged per returned cheque, failed standing instruction or bounced payment.
Card Replacement Fee: ₹200 (incident)
Payable for reissue of lost, stolen or damaged card.
Lounge Access Benefits with PNB-RuPay Select Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Complimentary access to participating domestic airport lounges under the RuPay Select programme, typically up to 1 visit per quarter per card, subject to NPCI and PNB terms.
international Lounges
silverVisits per year: 2
Guest access: No
Complimentary access to select international airport lounges under the RuPay Select programme, subject to visit caps, participating lounges and RuPay/PNB conditions.
Insurance Coverage with PNB-RuPay Select Credit Card
Personal Accident Insurance
Up to ₹10,00,000Covers accidental death or permanent total disability as per RuPay Select and PNB group insurance policy terms; claims are subject to exclusions and documentation.
Comprehensive Card Protection
As per PNB credit card policyIncludes limited coverage for fraudulent transactions after reporting loss, along with other protections as defined in the latest PNB credit card insurance brochure.
Additional Features of PNB-RuPay Select Credit Card
PNB GENIE Mobile App
Manage your PNB-RuPay Select Credit Card on the PNB GENIE app – view statements, pay bills, set limits and control transactions in one place.
Requires registration on the PNB GENIE mobile application and active internet banking credentials.
EMI Conversion Facility
Convert bigger purchases into EMIs directly through PNB customer care or internet banking for easier repayment.
Minimum transaction amount and tenure-based interest rates apply as per PNB EMI programme.
24x7 Concierge Services
RuPay Select concierge can assist with travel bookings, hotel reservations, dining recommendations and gifting services.
Services are provided by RuPay/NPCI partners and may be subject to availability and separate service charges where applicable.
Welcome Bonus with PNB-RuPay Select Credit Card
Welcome Bonus: 300+ Reward Points
Bonus Conditions: Bonus reward points are applicable only on the first successful retail transaction; not valid on cash withdrawals, reversals or cancelled transactions.
Application Process for PNB-RuPay Select Credit Card
Processing Time
Typically 7–10 working days after successful verification and approval.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official PNB credit card website and select the PNB-RuPay Select Credit Card from the card types section.
Click on Apply Online or the credit card application link and fill in your personal, contact and income details.
Upload or provide KYC documents such as PAN, Aadhaar, address proof and income proof as requested by PNB.
Complete any additional verification steps such as video KYC or branch visit if required by the bank.
Once your application is approved, the card is processed and dispatched to your registered address, and you can then activate it and start using it.
Required Documents for PNB-RuPay Select Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
PNB-RuPay Select Credit Card Merchant Acceptance Network
Domestic Acceptance
Strong acceptance across India at most POS terminals and online merchants that support RuPay credit cards.
International Acceptance
Accepted at RuPay-enabled international POS terminals and ATMs in select countries via RuPay’s global network partners.
Online Acceptance
Supported at major Indian e-commerce, travel, bill payment and utility platforms that accept RuPay credit cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for PNB-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
₹42,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should have a stable source of income, a clean credit history, a valid PAN and Aadhaar, and must meet Punjab National Bank’s internal underwriting norms.
How Approval Is Decided
- Indian resident aged 21 years or above with a stable income and minimum annual eligibility as specified by PNB.
- Satisfactory credit history and credit score, generally around 700 or higher, with no major defaults.
- Ability to meet KYC and documentation requirements, including PAN, Aadhaar and income proof.
- Compliance with Punjab National Bank’s internal risk assessment, underwriting policies and card programme guidelines.
Pros of PNB-RuPay Select Credit Card
- Complimentary domestic and international airport lounge access via RuPay Select benefits.
- Reward points on everyday retail spends with welcome bonus points on first usage.
- Annual fee waiver when the card is used at least once every quarter, making it effectively low-cost for active users.
- Access to 300+ merchant offers plus exclusive cashback on utility bills, eateries and restaurants.
- Comprehensive insurance coverage and concierge services add extra peace of mind for frequent travellers.
Cons of PNB-RuPay Select Credit Card
- No dedicated air miles or airline loyalty conversion partners for frequent flyers.
- Foreign currency markup of 3.5% makes it less attractive for heavy international spenders.
- Reward structure is modest compared with aggressive cashback or premium travel credit cards.
- Acceptance outside India is limited to RuPay-enabled international networks, which may be lower than Visa or Mastercard in some countries.
Frequently Asked Questions about PNB-RuPay Select Credit Card
What is the joining and annual fee of the PNB-RuPay Select Credit Card?
PNB-RuPay Select Credit Card currently charges a joining fee of ₹500 for the primary card and an annual fee of ₹750. The annual fee can be waived when you use the card at least once in every quarter during the previous year, effectively making it a low-cost rewards and lounge access credit card for regular users.
How do reward points work on the PNB-RuPay Select Credit Card?
You earn 300+ welcome reward points on your first eligible transaction and ongoing reward points on retail spends, typically at a rate of 2 reward points per ₹150 spent on eligible categories. Reward points can be redeemed against merchandise, vouchers or other options on the PNB rewards platform, making this card suitable for regular shopping and bill payments.
Does the PNB-RuPay Select Credit Card offer airport lounge access?
Yes, PNB-RuPay Select Credit Card offers complimentary domestic and international airport lounge access through the RuPay Select lounge programme. You can enjoy a limited number of free visits per year at participating lounges, which usually include comfortable seating, Wi-Fi and refreshments, subject to programme terms and conditions.
Is PNB-RuPay Select Credit Card good for international transactions?
The card can be used for international transactions wherever RuPay credit cards are accepted, but it carries a foreign currency markup of about 3.5% on international spends. If most of your usage is overseas, you may want to compare it with specialised low forex fee travel credit cards; however, it remains useful for occasional foreign transactions and RuPay lounge benefits.
Who should apply for the PNB-RuPay Select Credit Card?
PNB-RuPay Select Credit Card is ideal for Indian residents who want a low to mid-range credit card with reward points, cashback on utilities and dining, occasional domestic and international travel, and complimentary airport lounge access. It suits users who primarily spend in India, prefer RuPay and UPI integration, and want to keep annual fees under control with usage-based waiver.
What are the basic eligibility criteria for PNB-RuPay Select Credit Card?
In general, you should be an Indian citizen aged 21 or above with a stable monthly income of around ₹42,000 or more, a good credit score (preferably 700+), and valid KYC documents such as PAN and Aadhaar. Final approval is subject to Punjab National Bank’s internal credit policies and verification.
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