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PNB Rupay Select Card

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औसत रेटिंग है 3 5 में से

MyRupaya Ratings

उत्पाद विवरण
क्रेडिट कार्ड का नाम

PNB Rupay Select Card

Bank Name :

Punjab National Bank

प्रकार

Shopping Credit Card

ब्याज दर

2.95% per month

पात्रता

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.

PNB Rupay Select Card
पेशेवरों

  • Welcome Benefit: On the first transaction, users will get more than 300 reward points.

  • Reward System: The user can earn 2 reward points for every INR 100 spent. 1 RP = Rs. 0.50. Effective cashback rate = 1%.

  • No annual fee is levied upon customers if the card is used once in a quarter. 

  • Customers can enjoy a complimentary domestic and international lounge program, exclusive cashback on utility bills, eateries and restaurants, etc., and comprehensive insurance coverage. 

दोष

  • Limited Network Acceptance: Rupay cards haven't reached the widespread acceptance seen with Visa or Mastercard, potentially leading to declined transactions at some international merchants or online platforms.

  • Lower Reward Earning Potential: Compared to premium cards, the 2X reward points on retail purchases might not be as attractive for high spenders seeking maximized rewards.

पक्ष विपक्ष
Welcome Benefits

On the first transaction, users will get more than 300 reward points.

पुरस्कार प्रणाली

User can earn 2 reward points for every INR 100 spent. 1 RP = Rs. 0.50. Effective cashback rate = 1%

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

3.5% on all foreign currency transactions

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

None

Eligibility Criteria

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.

फ़ायदे

  • 2x reward points on all your retail purchases. 

  • Complimentary domestic and international lounge access. 

  • Accident insurance coverage up to Rs. 2 lakhs. 

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

  • 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.

सम्पर्क करने का विवरण

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

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Welcome Benefit: On the first transaction, users will get more than 300 reward points.

  • Reward System: The user can earn 2 reward points for every INR 100 spent. 1 RP = Rs. 0.50. Effective cashback rate = 1%.

  • No annual fee is levied upon customers if the card is used once in a quarter. 

  • Customers can enjoy a complimentary domestic and international lounge program, exclusive cashback on utility bills, eateries and restaurants, etc., and comprehensive insurance coverage. 

  • Limited Network Acceptance: Rupay cards haven't reached the widespread acceptance seen with Visa or Mastercard, potentially leading to declined transactions at some international merchants or online platforms.

  • Lower Reward Earning Potential: Compared to premium cards, the 2X reward points on retail purchases might not be as attractive for high spenders seeking maximized rewards.

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.

PNB RuPay Select Card

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

  • Minimum joining fees - Rs. 500/-

  • Annual fee – NIL ( if card is used one in a quarter) 

  • Cash advance fee: 2% of the cash withdrawn or Rs.150 

  • Interest Rates: 2.95 percent every month 

  • Late payment fee- 30% of the minimum amount due or a minimum of Rs.500 / billing cycle. 

  • Foreign Currency Transactions Fees: 3.5%. 

  • Reward Redemption Fees: NIL

ईंधन अधिशुक्ल

1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 3,000.

Billing Cycle

30 Days

फीस एवं प्रभार
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