PNB RuPay Select Credit Card

  • Joining Fee: Rs. 500
  • Renewal Fee: Rs. 750
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: 300 bonus Reward Points.
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The PNB RuPay Select Credit Card is one of the popular basic credit cards issued by the Punjab National Bank. It comes with a joining fee of Rs. 500 and earns you 300 bonus Reward Points as a welcome benefit. The annual fee of the card is Rs. 750, but you can get it waived off easily just by using your credit card for a minimum of one retail transaction every quarter. So, you can easily make your PNB RuPay Select Card lifetime free from the second year. Coming to its reward program, the card earns you 2 Reward Points (1 Reward Point = Re. 0.5) for every Rs. 150 you spend. Moreover, you can earn double benefits in the first three months of your card membership as you earn accelerated reward points for the transactions you make in the first 90 days. To make your travel experiences more rewarding, the card comes with complimentary access to domestic airport lounges in India. Other than all this, more benefits of this credit card include complimentary insurance cover, fuel surcharge waiver, waiver of the annual fee, and many more. To understand all the advantages of this credit card and its detailed fees & charges, go through the complete article:

New Features

Spend Based Waiver

The annual fee of Rs. 750 can be waived off if you have used your card at least once every quarter.

Interest Rates

2.95% per month

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

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

Foreign Currency Markup

3.5% on all foreign currency transactions

Cash Advance Charges

2% of the withdrawn amount subject to a specific a minimum amount

Movie & Dining

Exclusive cashback offers on dining across several participating restaurants.


Complimentary airport lounge access.

International Lounge Access

4 Complimentary Airport Lounge Access

Rewards Rate

2 Reward Points on every spend of Rs. 150.



Insurance Benefits

Complimentary insurance cover worth Rs. 10 lakhs against accidental death.

Reward Redemption

1 Reward Point = Re. 0.5 for redemption against various categories at the PNB Rewardz portal.

Domestic Lounge Access

2 complimentary domestic airport lounge access every quarter.

Zero Liability Protection

As a PNB Credit Cardholder, you won’t be liable for any fraudulent transactions made on a lost/stolen card once the loss is reported to the bank.


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