PNB Rupay Select
83/100
·
₹750/yr
•••• •••• •••• ••••
CARD HOLDER
YOUR NAME
EXPIRES
••/••
Punjab National Bank
PNB Rupay Select
RuPay
PREMIUM
Premium
RUPAY
Top Rated
PNB Rupay Select
by Punjab National Bank · Data verified 2 days ago
Premium RuPay card with UPI linking and lounge access
83
Score
Based on rewards, fees, benefits & eligibility
₹750
Fee
Waiver available on spending
2
Reward Pts
Base earn rate (per transaction slab)
1.50%
Cashback
On eligible transactions
2 RP Earn
base reward rate
8 per year Lounges
complimentary
₹750/yr
waiver available
83/100
CardSahayak rating
Reward Calculator
How Much Can You Earn?
Calculate your potential rewards with this card
₹
/month
₹10,000
₹5,00,000
Your Annual Benefits
Reward Points
pts
₹
Cashback
1.50% on spends
₹
Annual Fee
Card membership
-₹750
Net Annual Value
You save per year!
What's Great
- Zero forex
- UPI linkable
- Good domestic lounges
- PSU bank
Things to Consider
- Domestic only
- No international use
Perfect For
Domestic travelers
UPI users
PNB customers
About This Card
Premium RuPay card with UPI linking and lounge access
Annual Fee
₹750
Waiver
Annual fee is waived if the card is used at least once in every quarter during the previous year.
Joining Fee
₹500
Other Charges
Interest Rate (APR)
Monthly on outstanding balance
2.95% - 2.95%
Foreign Transaction Fee
Markup on international txns
3.50%
Fuel Surcharge Waiver
Save on fuel transactions
Up to ₹350/mo
Interest-Free Period
On new purchases if paid in full
20 to 50 days
Cash Advance Fee
Fee for cash withdrawal from ATM
2% of cash withdrawn or ₹150 (PNB ATMs) / ₹200 (Other ATMs) / ₹250 (Overseas)
Late Payment Fee
Charged if minimum due not paid on time
Outstanding Due
Penalty
≤₹100
Nil
₹101-₹500
₹100
₹501-₹5,000
₹500
₹5,001-₹20,000
₹750
>₹20,000
₹950
Reward Points Validity
How long your earned points remain valid
2 years from earning date
Card Replacement Fee
Fee for lost or damaged card replacement
₹200
2
Reward Pts
₹0.25
Point Value
1.50%
Cashback
Welcome Bonus
300+ reward points on first usage
Milestone Rewards
Reward Earning by Category
| Category | Reward Rate | Details |
|---|---|---|
| Shopping | 2 pts/₹100 | 2 RP per ₹100 |
| Dining | 2 pts/₹100 | 2 RP per ₹100 |
| Fuel | — | 1% fuel surcharge waiver |
Point Value: 1 point = ₹0.25
|
Redemption Fee: ₹50 + GST per request
Domestic Lounges
8 per year
Int'l Lounges
2 per year
Travel Insurance
₹10L cover
Concierge
24/7 assistance
Fuel Savings
₹350/mo
Lost Card Cover
₹0
Dining
- •Reward points/cashback earned on dining transactions
- •Dining privileges at select partner restaurants
Shopping
- •1.5% cashback on purchases
- •2X points on eligible spends
- •Contactless (tap-and-pay) enabled
- •EMI conversion on purchases above Rs.2,500
Travel
- •8 complimentary domestic airport lounge visits per year
- •3.5% forex markup on international transactions
- •Complimentary travel insurance coverage
- •1% fuel surcharge waiver
- •24/7 concierge service
Special Offers & Features
- •Add-on card fee: NIL (both joining and annual)
- •Reward Points expire if not redeemed within 3 years
- •Minimum 1,000 Reward Points required for redemption
- •Earn 2 Reward Points for every ₹150 spent
- •Complimentary Golf, Health Check-up, and Gym access via RuPay Select program
- •Personal accidental insurance cover of up to ₹10 Lakhs
EMI Options
- •EMI conversion on eligible purchases
- •Tenure: 3, 6, 9, 12 months
Card Features
Contactless
✓ Yes
Virtual Card
✗ No
International
Domestic
Material
Plastic
Mobile Wallet Support
Google Pay
Apple Pay
Samsung Pay
83
out of 100
CardSahayak Score
"Apply Now" takes you to Punjab National Bank's official website.
Eligibility
Salaried
₹41,667/mo
Self-Employed
₹41,667/mo
Age
21-70 yrs
CIBIL
700+
Employment
Salaried, Self-Employed
Card Variant
Select
Scores
Rewards
37/100
Fees
98/100
Benefits
63/100
Access
84/100
2 Active Offers
Deals & Offers
Exclusive offers available on PNB Rupay Select
BookMyShow
Get Buy 1 Get 1 Free movie tickets up to ₹250 on BookMyShow using your Punjab National Bank (PNB) Credit Card.
250
Till 31 Dec 2026
entertainment
Discount
Buy 1 Get 1 Free up to ₹250
Min Spend
₹250
Max Savings
₹250
Valid Until
31 Dec 2026
How to Avail
Step 1: Go to BookMyShow app or website.
Step 2: Select cinema and 2 or more tickets.
Step 3: Go to Unlock Offers and choose PNB Credit Card Offer.
Step 4: Enter card details to get up to ₹250 discount on second ticket.
Step 2: Select cinema and 2 or more tickets.
Step 3: Go to Unlock Offers and choose PNB Credit Card Offer.
Step 4: Enter card details to get up to ₹250 discount on second ticket.
Terms & Conditions
Valid on all PNB Credit Cards. Minimum 2 tickets required. Maximum discount of ₹250 per transaction. Valid once per month.
Swiggy
Enjoy flat 15% instant savings up to ₹120 on dining and food deliveries on Swiggy using your PNB Credit Card.
15
Till 31 Dec 2026
PNB15
dining
Discount
Flat 15% up to ₹120
Min Spend
₹499
Max Savings
₹120
Valid Until
31 Dec 2026
How to Avail
Step 1: Open Swiggy app.
Step 2: Add food items worth ₹499 or more.
Step 3: Apply promo code PNB15.
Step 4: Pay with PNB Credit Card.
Step 2: Add food items worth ₹499 or more.
Step 3: Apply promo code PNB15.
Step 4: Pay with PNB Credit Card.
Terms & Conditions
Valid on all PNB Credit Cards. Minimum order ₹499. Maximum discount ₹120. Valid once per week.
Use Code:
PNB15
Visit Offer
❓ FAQ
Frequently Asked Questions
Everything you need to know about PNB Rupay Select
To be eligible, you need:
- • Min age: 21 years
- • Salaried: ₹41,667/month min
- • Self-employed: ₹41,667/month min
- • CIBIL: 700+ recommended
The annual fee is ₹750.
The fee can be waived by Annual fee is waived if the card is used at least once in every quarter during the previous year..
You earn 2 reward points per eligible transaction. Each point is worth approximately ₹0.25.
Welcome bonus: 300+ reward points on first usage on activation!
Redeem for flights, hotels, vouchers via Punjab National Bank rewards portal.
Yes! Complimentary lounge access:
- ✓ Domestic: 8 per year
- ✓ International: 2 per year
- → 2 complimentary domestic airport lounge visits per calendar quarter (8 per year) via RuPay lounge program
- → 2 complimentary international airport lounge visits per calendar year via RuPay program
- → 2 complimentary international airport lounge visits per year via RuPay Select lounge program
- • Instant: Pre-approved Punjab National Bank customers
- • 24-48 hrs: New customers with documents
- • Delivery: 7-10 working days
Ready to Get Started?
Apply for PNB Rupay Select today and unlock amazing rewards and premium experiences.
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