Welcome Benefit: On the first transaction, users will get more than 300 reward points.
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PNB Rupay Select Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: On the first transaction, users will get more than 300 reward points.
Milestone Benefits
None.
Cashback Rate
User can earn 2 reward points for every INR 100 spent. 1 RP = Rs. 0.50. Effective cashback rate = 1%.
2x reward points on all your retail purchases.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Accident insurance coverage up to Rs. 2 lakhs. No annual fee is levied upon customers if the card is used once in a quarter.
Lounge Access
Customers can enjoy a complimentary domestic and international lounge program, exclusive cashback on utility bills, eateries and restaurants, etc., and comprehensive insurance coverage.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: On the first transaction, users will get more than 300 reward points.
Milestone Benefits
None.
Cashback Rate
User can earn 2 reward points for every INR 100 spent. 1 RP = Rs. 0.50. Effective cashback rate = 1%.
2x reward points on all your retail purchases.
Movie Benefits
None.
Dining Benefits
None.
Other Benefits
Accident insurance coverage up to Rs. 2 lakhs. No annual fee is levied upon customers if the card is used once in a quarter.
Lounge Access
Customers can enjoy a complimentary domestic and international lounge program, exclusive cashback on utility bills, eateries and restaurants, etc., and comprehensive insurance coverage.
Fees & Charges of
PNB Rupay Select Card
Joining Fee
Minimum joining fees - Rs. 500/-
Annual Fee
NIL ( if card is used one in a quarter)
Cash Advance Fee
Cash advance fee: 2% of the cash withdrawn or Rs.150
Interest rate
Interest Rates: 2.95 percent every month
Late Payment Fee
Late payment fee- 30% of the minimum amount due or a minimum of Rs.500 / billing cycle.
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: NIL
Joining Fee
Minimum joining fees - Rs. 500/-
Annual Fee
NIL ( if card is used one in a quarter)
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 2.95 percent every month
Late Payment Fee
Late payment fee- 30% of the minimum amount due or a minimum of Rs.500 / billing cycle.
Foreign Currency Transactions Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Reward Redemption Fees: NIL
Fee and Charges of
PNB Rupay Select Card
Special Features
Age: The primary cardholder must be between 21 and 65 years of age.
Educational qualification: The applicant must have passed the 10th standard (passed).
Income: The applicant must have a minimum annual income of INR2 lakhs.
Cibil score: A credit score of 750+ is considered good to apply for this credit card.
Employment: The applicant must be employed or self-employed.
Eligibility Criteria
None
Speical Feature, Eligibility and Benefits of
PNB Rupay Select Card
How to apply for Credit Card?
Online Visit the PNB Cards website and click on the "Apply Online" button.
Select the PNB RuPay Select Credit Card and click on the "Apply Now" button.
Fill in the application form with your personal and financial details.
Upload the required documents, such as your PAN card, Aadhar card, and income proof.
Review and submit your application.
The bank will review your application and get in touch with you if you are approved for the card.
The required documents for applying for a PNB RuPay Select Credit Card are: PAN card Aadhar card Income proof (salary slip, salary certificate, Form 16 for salaried individuals; PAN card, IT return, Form 60/61 for self-employed individuals)
Once your application is approved, you will receive your PNB RuPay Select Credit Card within 7-10 business days.
Contact Details
Toll Free No. 1800 1800 1800 2021 1800 180 2222 1800 103 2222
Tolled No. 0120-2490000 Landline :011-28044907
care[at]pnb[dot]co[dot]in
Account Opening and Procedure of
PNB Rupay Select Card
Find Offers on Your Credit Card
Find Offers on Your Credit Card
The PNB RuPay Select Card offers a budget-friendly option with decent reward points, domestic lounge access, and value-added benefits like wellness discounts. However, the limited acceptance of RuPay cards, lower reward rate, and high interest charges are drawbacks to consider. If you value affordability and primarily spend domestically, this card might be suitable. However, for broader acceptance, faster reward accumulation, or premium features, exploring other alternatives is recommended.
The PNB RuPay Select Card offers a budget-friendly option with decent reward points, domestic lounge access, and value-added benefits like wellness discounts. However, the limited acceptance of RuPay cards, lower reward rate, and high interest charges are drawbacks to consider. If you value affordability and primarily spend domestically, this card might be suitable. However, for broader acceptance, faster reward accumulation, or premium features, exploring other alternatives is recommended.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai