top of page
dark_logo_white_background_edited.jpg

PNB Patanjali Rupay Select Cards

0

Rewards & Benefits

Welcome Benefits

None.

Milestone Benefits

​

Cashback Rate

- Reward System: Cardholder will get 5% cashback on any two packs of your choice
- Dining &amp
- Entertainment Category – BookMyShow &amp
- Zomato
-&nbsp
- Travel Category – MakeMyTrip &amp
- Uber
-&nbsp
- Grocery Category – Blinkit &amp
- Reliance Smart Bazaar
-&nbsp
- Electronics Category – Croma &amp
- Reliance Digital
-&nbsp
- Fashion Category – Nykaa &amp
- Myntra

3% cashback any one E-commerce merchant of your choice
-&nbsp
- Amazon or Flipkart or PayZapp

1% unlimited cashback across all other spends
- Cashback credit card
- &nbsp
- Reward System: Cardholders will get 5% cashback on any two packs of their choice
- 3% cashback on any one E-commerce merchant of your choice- Amazon or Flipkart or PayZapp
- 1% unlimited cashback across all other spends

Movie Benefits

​

Dining Benefits

Get up to 25% off on dining through Swiggy Dineout.

Other Benefits

Instant digital credit card. Annual fee reversal on spend of INR 50,000 in any year.

Lounge Access

Complimentary domestic and international lounge program.

Fees & Charges

Joining Fee

INR 500 /- + Applicable Charges

Annual Fee

INR 500 /- + Applicable Charges

Cash Advance Fee

2.5% or ?500 whichever is higher

Interest rate

3.6% per month (i.e., 43.2% per annum)

Late Payment Fee

Late Payment Charges: Ranges from INR 100 to INR 1300.

Foreign Currency Transactions Fee

Foreign Currency Mark-up Fees: 3.5%

Other Fees

Cash Advance Charges: A transaction fee of 2.5% or ₹500 whichever is higher | Reward Redemption Fee: INR 99

दोष

  • 2% cashback is applicable only at Patanjali stores.

  • Low cashback rate.

  • Welcome benefit: The users will receive 300+ reward points on activation.

  • Reward benefit: 1 reward point per Rs. 100 spent. 1RP= Rs. 0.25. Effective cashback rate: 0.25%. 2X rewards points on retail merchandise. Effective cashback rate: 0.50%.

  • Complimentary domestic and international lounge program.

  • Cashback of 2% for all transactions over and above Rs. 2500. subject to a ceiling of Rs. 50/- per transaction at Patanjali stores.

  • Users can get 5-7% additional cashback at Patanjali Ayurved Ltd. to Patanjali Swadeshi Samridhi card customers on recharge using PNB-Patanjali credit card.

पक्ष विपक्ष
Welcome Benefits

The users will receive 300+ reward points on activation.

पुरस्कार प्रणाली
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

3.5%

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

Reward System: Cardholder will get 5% cashback on any two packs of your choice

- Dining & Entertainment Category – BookMyShow & Zomato
- Travel Category – MakeMyTrip & Uber
- Grocery Category – Blinkit & Reliance Smart Bazaar
- Electronics Category – Croma & Reliance Digital
- Fashion Category – Nykaa & Myntra


3% cashback any one E-commerce merchant of your choice
​​​​​​​- Amazon or Flipkart or PayZapp


1% unlimited cashback across all other spends.

Eligibility Criteria

You must be an Indian citizen.
You must be 21-60 years of age.
Your net monthly income must be greater than INR 25,000 if you are salaried, and your ITR must be greater than Rs. 6 lakhs per annum if you are self-employed.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

  1. Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement.

  2. Apply online: Visit the HDFC Bank website or app and fill out the online application form.

  3. Documents: Submit the required documents like PAN card, address proof, and income proof.

  4. Verification: HDFC will verify your documents and creditworthiness.

  5. Approval: Upon approval, you will receive your credit card within 7-10 working days.

सम्पर्क करने का विवरण

1800 1600

खाता खोलने की प्रक्रिया और प्रक्रिया

​

​

विशेष विशेषता, पात्रता और लाभ

Pros:-

Change the text to include your own content. Adjust the font, size or scale to customize the style.

Cons:-

  • Welcome benefit: The users will receive 300+ reward points on activation.

  • Reward benefit: 1 reward point per Rs. 100 spent. 1RP= Rs. 0.25. Effective cashback rate: 0.25%. 2X rewards points on retail merchandise. Effective cashback rate: 0.50%.

  • Complimentary domestic and international lounge program.

  • Cashback of 2% for all transactions over and above Rs. 2500. subject to a ceiling of Rs. 50/- per transaction at Patanjali stores.

  • Users can get 5-7% additional cashback at Patanjali Ayurved Ltd. to Patanjali Swadeshi Samridhi card customers on recharge using PNB-Patanjali credit card.

  • 2% cashback is applicable only at Patanjali stores.

  • Low cashback rate.

The card's USP is 2.5% cashback on Patanjali Stores, otherwise the card offers a low general cashback on other spends. Value add features offered by the card are minimal. Overall the card has limited appeal.

The card's USP is 2.5% cashback on Patanjali Stores, otherwise the card offers a low general cashback on other spends. Value add features offered by the card are minimal. Overall the card has limited appeal.
Abhijeet Saxena

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

उत्पाद समीक्षा
फीस एवं प्रभार

  • Joining Fee: INR 500 

  • Annual Fee: INR 750, waived if card is used at least once in each quarter in the preceding year. 

  • Cash advance fee: 2.5% or a minimum of Rs.500. 

  • Interest Rates: 2.95% per month, 35.89% annually.

  • Late payment fee: Rs 200 to Rs. 750. 

  • Foreign Currency Transactions Fees: 3.5%. 

  • Reward Redemption Fees: NIL

ईंधन अधिशुक्ल

1% with maximum up to Rs. 250/- per statement cycle

Billing Cycle

Up to 50 days.

फीस एवं प्रभार
bottom of page