PNB RuPay Select Credit Card – Features & Benefits

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Features of the PNB Rupay Select Credit Card

Reward Points Program: The PNB RuPay Select Credit Card offers a robust reward points system, enabling cardholders to earn points on their transactions. Specifically, cardholders receive 2 Reward Points for every ₹150 spent on retail transactions, with each point valued at ₹0.25. As a welcome benefit, users are awarded 300 bonus Reward Points upon making their first transaction within 90 days of card issuance. Additionally, during the first 90 days, cardholders can earn 2x Reward Points on online and merchandise purchases, effectively doubling the rewards for early usage. This accelerated reward structure incentivizes new cardholders to maximize their spending in the initial period, making it an attractive feature for frequent shoppers. The reward points are redeemable through the PNB Rewardz website, offering flexibility to convert points into cashback, merchandise, or other rewards. The program is designed to reward consistent usage, with no upper cap on the points earned for most transactions, except for specific categories like fuel and cash withdrawals. This feature ensures that cardholders can accumulate substantial rewards over time, particularly for those who use the card for regular retail and online purchases.

- Cashback Offers: The card provides cashback on utility bills, dining, and restaurant expenses, making it a practical choice for everyday spending. For instance, cardholders can enjoy exclusive cashback offers when paying for electricity, water, broadband, or mobile bills through the card. Similarly, dining at partner restaurants or eateries yields additional savings through cashback, credited to the cardholder’s account within 60 days of the transaction. For those holding a Patanjali Swadeshi Samridhi Card, an additional 5-7% cashback is available on recharges made using the PNB Patanjali RuPay Select Credit Card at Patanjali stores, further enhancing the card’s value for loyal Patanjali customers.
- Complimentary Lounge Access: One of the standout features of the PNB RuPay Select Credit Card is its complimentary airport lounge access. Cardholders are entitled to two complimentary domestic lounge visits per quarter in India, totaling up to eight visits annually. Additionally, the card offers four international lounge visits per year, providing significant value for frequent travelers.
- Insurance Coverage: The PNB RuPay Select Credit Card includes comprehensive insurance coverage of up to ₹10 lakh for accidental death and permanent total disability. This feature provides cardholders with financial security in unforeseen circumstances, adding a layer of protection that is particularly valuable for frequent travelers or those seeking peace of mind. The insurance is automatically included with the card, requiring no additional enrollment, and is a significant feature for users prioritizing safety and financial planning.
- Contactless Payment Technology: Equipped with contactless payment technology, the PNB RuPay Select Credit Card allows users to make quick and secure transactions by simply tapping the card at compatible point-of-sale (POS) terminals. This feature is particularly useful for transactions up to ₹5,000, where no PIN is required, streamlining the payment process for small, everyday purchases. The contactless feature aligns with modern payment trends, offering convenience and speed while maintaining high security standards through RuPay’s advanced encryption protocols.
- Annual Fee Waiver: The card comes with a joining fee of ₹500 and an annual fee of ₹750, but the latter can be waived by making at least one retail transaction per quarter. This spend-based waiver makes the card effectively lifetime free from the second year for active users, a feature that appeals to cost-conscious individuals who use their credit card regularly. The low threshold for the waiver ensures that even moderate usage can eliminate the annual fee, making the card financially attractive.
- Mobile App Integration: The PNB GENIE mobile app enhances the card’s functionality by allowing users to manage their accounts seamlessly. Through the app, cardholders can track transactions, check reward points, pay bills, set standing instructions, and monitor their credit limit. The app’s user-friendly interface ensures that even those new to digital banking can navigate it with ease, making it a key feature for tech-savvy users who prefer managing their finances on the go.
- Merchant Offers and Discounts: The card provides access to discounts and offers at over 300 merchants under the RuPay network. These include deals on shopping, dining, travel, and lifestyle services, allowing cardholders to save on a wide range of purchases. For example, cardholders can avail up to 25% discounts on movie tickets booked through BookMyShow or Inox, with a maximum discount of ₹100 per transaction, applicable twice a month. These merchant offers enhance the card’s utility for everyday spending, making it a versatile tool for maximizing savings.
- Fuel Surcharge Waiver: The PNB RuPay Select Credit Card offers a 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at fuel stations across India, exclusive of GST and other charges. This feature is particularly beneficial for cardholders who frequently refuel their vehicles, providing modest but consistent savings on fuel expenses. The waiver is capped at a reasonable limit, ensuring that users can benefit without excessive spending requirements.
- Concierge Services: The card includes 24/7 concierge services, which assist with travel bookings, hotel reservations, restaurant bookings, and gift suggestions. This premium feature caters to cardholders who value convenience and personalized assistance, particularly for planning trips or special occasions. The concierge service is accessible via a dedicated helpline, ensuring prompt support for a variety of lifestyle needs.
- Credit Limit Flexibility: The card offers a credit limit ranging from ₹50,000 to ₹10 lakh, determined based on the applicant’s income, credit score, and repayment capacity. This flexibility makes the card suitable for a wide range of users, from those seeking a basic credit facility to those requiring a higher limit for premium spending. The bank periodically reviews the credit limit, allowing eligible cardholders to request an increase based on their usage and repayment history.
- Auto-Debit and EMI Facilities: The card supports auto-debit facilities for bill payments, ensuring timely settlements and reducing the risk of late payment fees. Additionally, cardholders can convert large purchases into Equated Monthly Installments (EMIs), spreading the cost over a manageable period. This feature is particularly useful for high-value transactions, such as electronics or travel bookings, providing financial flexibility without straining the cardholder’s budget.
- Add-On Card Facility: The PNB RuPay Select Credit Card allows up to two add-on cards at no extra cost, enabling cardholders to share the benefits with family members. Add-on cardholders, aged 18 to 65, can enjoy the same reward points, cashback, and lounge access privileges, making it a family-friendly feature. The primary cardholder retains control over the credit limit, ensuring responsible usage across all cards.
- Security Features: The card incorporates advanced security features, including EMV chip technology and zero liability protection against lost or stolen cards, provided the loss is reported promptly. Cardholders can report issues via the 24-hour helpline (toll-free: 1800 180 2345 or toll number: 0120 4616200) or through the PNB website, ensuring quick resolution of fraudulent activities. These features enhance user confidence in using the card for both online and offline transactions.
- Interest-Free Period: The card offers an interest-free grace period of 20 to 50 days, depending on the billing cycle and transaction date. This allows cardholders to make purchases without incurring interest, provided the outstanding balance is paid in full by the due date. This feature is ideal for those who use the card strategically to manage cash flow without additional costs.
- Co-Branded Variant with Patanjali: The PNB Patanjali RuPay Select Credit Card, a co-branded variant, offers additional benefits for Patanjali loyalists. Cardholders receive 2% cashback on transactions of ₹2,500 and above at Patanjali stores, along with the standard features of the RuPay Select card. This variant is tailored for customers who frequently shop at Patanjali outlets, combining the card’s core features with brand-specific rewards.
- UPI Integration: The card can be linked to UPI for quick scan-and-pay transactions, aligning with India’s growing digital payment ecosystem. This feature simplifies payments at merchants, enhancing convenience for small, frequent transactions. The integration with UPI platforms like PayZapp further streamlines bill payments and recharges, making the card versatile for modern financial needs.
- Global Acceptance: As a RuPay card, it is accepted at over 29 million merchant establishments and one million ATMs worldwide that support RuPay or its partner networks (e.g., Discover and Diners Club). This global acceptance ensures cardholders can use it for international travel and online purchases, adding to its versatility.
- Flexible Redemption Options: Reward points can be redeemed for a variety of options, including cashback, gift vouchers, merchandise, or travel bookings, through the PNB Rewardz platform. The flexibility of redemption options allows cardholders to tailor rewards to their preferences, whether they prioritize savings or lifestyle experiences.

Benefits of the PNB RuPay Select Credit Card

Cost-Effective Fee Structure: The PNB RuPay Select Credit Card charges a joining fee of ₹500 and an annual fee of ₹750. However, the annual fee is waived if the cardholder makes at least one retail transaction per quarter, effectively making the card lifetime free for regular users.
Enhanced Reward Earnings: Cardholders earn 2 Reward Points for every ₹150 spent on retail purchases. A welcome bonus of 300 Reward Points (worth ₹75) is provided upon joining. Additionally, during the first 90 days, cardholders can earn 2x Reward Points on online and merchandise transactions. For instance, spending ₹15,000 online in the first 90 days can yield 200 points, doubling the normal reward rate.

- Travel Perks with Lounge Access: With two domestic lounge visits per quarter and four international lounge visits annually, cardholders can enjoy premium amenities like free Wi-Fi and comfortable seating at airports.
- Cashback on Everyday Spending: The card’s cashback offers on utility bills, dining, and restaurant expenses provide consistent savings.
- Comprehensive Insurance Protection: The ₹10 lakh insurance coverage for accidental death and permanent total disability is a major benefit, offering financial security without additional costs.
- Convenience of Contactless Payments: The contactless payment feature allows cardholders to make quick, secure transactions by tapping the card at POS terminals.
- Financial Flexibility with EMI and Auto-Debit: The card’s EMI facility allows cardholders to convert large purchases into manageable monthly installments, reducing financial strain.
- Add-On Card Benefits: The add-on card facility allows up to two additional cards for family members, extending the card’s benefits like reward points, cashback, and lounge access.
- Merchant Discounts and Offers: The card’s discounts at over 300 merchants provide substantial savings on shopping, dining, and travel. For instance, the 25% discount on movie tickets through BookMyShow.
- Fuel Surcharge Savings: The 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 offers modest but consistent savings for vehicle owners.
- Concierge Service Convenience: The 24/7 concierge service is a premium benefit, assisting with travel bookings, hotel reservations, and gift suggestions.
- Security and Fraud Protection: The card’s zero liability protection against lost or stolen cards ensures that cardholders are not held responsible for unauthorized transactions, provided they report the loss promptly.
- UPI Integration for Digital Payments: The ability to link the card to UPI simplifies payments at merchants and for bill payments through platforms like PayZapp.
- Global Usability: The card’s global acceptance at over 29 million merchant establishments and one million ATMs worldwide makes it a reliable tool for international travel and online shopping.
- Interest-Free Credit Period: The 20 to 50-day interest-free period allows cardholders to make purchases without incurring interest, provided the balance is paid in full by the due date.
- Patanjali Co-Branded Benefits: The PNB Patanjali RuPay Select Credit Card variant offers 2% cashback on transactions of ₹2,500 and above at Patanjali stores, in addition to the standard benefits.
- Customizable Credit Limit: The credit limit of ₹50,000 to ₹10 lakh is tailored to the cardholder’s financial profile, ensuring accessibility for both moderate and high spenders.
- Mobile App Convenience: The PNB GENIE app simplifies card management, allowing users to track spending, redeem rewards, and pay bills from their smartphones.
- Redemption Flexibility: The ability to redeem reward points for cashback, vouchers, or merchandise provides cardholders with flexibility to choose rewards that suit their preferences.

How to Apply for the PNB RuPay Select Credit Card

Choose Your Preferred Application Method:
- Apply online via the PNB Credit Card Portal or PNB One mobile app.
- Visit the nearest PNB branch for in-person application support.
- Use assisted services like PNB SARAL, available in select regions.
Online Application Process:
- Go to the official PNB website or open the PNB One app.
- Navigate to the Credit Cards section and select the RuPay Select Credit Card.
- Click “Apply Now” or download the application form if prompted.
- Enter accurate personal, employment, and financial information.
- Upload required documents such as ID proof, address proof, and income proof.
- Submit your application digitally and note the reference number for tracking.
Offline Application Process:
- Visit your nearest PNB branch with both original and photocopies of the necessary documents.
- Request or bring a filled copy of the RuPay Select Credit Card application form.
- Submit the form along with your documents to the bank representative.
- The branch will assist in verification and processing.
Apply via PNB SARAL or PNB One:
- PNB SARAL: Visit a PNB agent or service point to apply with guided support.
- PNB One: Log in to the mobile app and apply through the Credit Cards section. Pre-filled data will speed up the process for existing customers.
Track Your Application:
- Use your application reference number to check the status via the PNB website, PNB Genie app, or customer care.
- Call 8885545255 for status updates and assistance.
Receive the Credit Card:
- Upon approval, the card will be delivered to your registered address within 7–14 working days.
Activating the Card:
- Online: Activate your card via the PNB Genie app or PNB website.
- Customer Care: Call 8885545255 for activation assistance.
Tips for a Successful Application:
- Ensure accurate data entry and submit recent, legible documents.
- Maintain a good credit score (recommended 720+) to improve chances of approval.
Common Application Challenges and Solutions:
- Low Credit Score: Pay existing dues and avoid new loans before applying.
- Incomplete Documentation: Use updated and clearly scanned proofs to prevent rejection.
- Technical Issues: Try different browsers or use the mobile app if the site doesn’t load properly.
- Delayed Income Verification: Ensure submission of current salary slips, bank statements, or ITRs.

Eligibility Criteria for the PNB RuPay Select Credit Card

Who Can Apply:
- Designed for individuals seeking a basic, reliable credit card.
- Suitable for salaried employees, self-employed individuals, and those new to credit.
Age Requirements:
- Salaried Applicants: Must be between 21 and 60 years old.
- Self-Employed Applicants: Can apply up to the age of 65 years.
- Add-On Cardholders: Must be at least 18 years old.
Nationality:
- Must be an Indian citizen or a resident of India.
- NRIs may apply if they maintain a relationship with PNB for at least 6 months.
Income Threshold:
- Minimum annual income of ₹1 lakh required for both salaried and self-employed individuals.
- Makes the card accessible for entry-level earners and small business owners.
Employment Status:
- Salaried: Must have stable employment and be able to submit salary slips or Form 16.
- Self-Employed: Must demonstrate steady income and business continuity.
- Pensioners: May be eligible by submitting recent pension slips or bank statements.
Credit Score and History:
- Preferred credit score: 720+
- Applicants with no credit history may still qualify with income proof, but may receive lower credit limits.
- Clean repayment history and responsible credit behavior increase approval chances.
Existing PNB Customers:
- Preferred if you’ve held a savings/current account or FD for 6+ months with consistent activity.
- May be eligible for Pre-Qualified Credit Card (PQCC) offers for faster processing.
Add-On Card Eligibility:
- Up to 2 add-on cards allowed for immediate family members (spouse, parents, or children above 18).
- Add-on cardholders are not required to have independent income; credit limit is shared with the primary card.
KYC and Documentation:
- Valid PAN card, Aadhaar card, and proof of income are required.
- All applicants must comply with KYC norms as per RBI guidelines.
Tips to Strengthen Eligibility:
- Ensure all documents are consistent and up-to-date.
- Maintain a stable source of income and a clean banking record.
- Avoid applying for multiple cards simultaneously to reduce hard inquiry impact.

Documents Required for the PNB RuPay Select Credit Card

Overview:
- Submitting the correct documentation is critical to a smooth application process.
- The documents verify identity, address, and income to assess your creditworthiness.
Identity Proof:
- Aadhaar Card: Preferred for its widespread acceptance and linkage to government records.
- PAN Card: Mandatory for tax and financial verification.
- Voter ID Card: Serves as valid identity verification.
- Passport: Also acceptable as address proof if required.
- Driving License: Dual-purpose document for ID and address.
- Ensure documents are valid with a clear photo and readable details; originals may be required for verification.
Address Proof:
- Aadhaar Card (if not used as ID proof)
- Passport with current address
- Utility Bills (electricity, gas, or water – not older than 3 months)
- Rental Agreement (registered, with utility bill in landlord’s name)
- Recent bank statement or passbook entry showing your address
Income Proof:
- Salaried Applicants:
  - Last 3 months’ salary slips or salary certificate
  - Form 16 or latest Income Tax Return (ITR)
- Self-Employed Applicants:
  - Latest audited ITR for past 2 years
  - Balance sheet or profit-and-loss statement
  - Business continuity proof such as GST certificate
- Pensioners:
  - Latest pension slips or bank statements showing pension credits (past 6 months)
Additional Documents:
- Application Form: Available online at any PNB branch
- 2–3 Recent Passport-Sized Photographs
- Form 60: Only if PAN is not available (rarely applicable)
Tips for Successful Submission:
- All documents must be up-to-date (issued within the last 3–6 months)
- Ensure names and addresses match across all proofs
- Self-attest all copies and carry originals for in-branch verification if required
- Incomplete or mismatched documents can result in rejection

Factors Affecting Eligibility for the PNB RuPay Select Credit Card

Credit Score and History:
- A score above 720, as reported by CIBIL or other credit bureaus, signals good creditworthiness.
- PNB evaluates repayment history, including timely payments on loans, credit cards, or EMIs.
- Defaults, high credit utilization, or frequent credit inquiries can lower your score, reducing approval chances or resulting in a lower credit limit (₹25,000 to ₹5,00,000).
Income Stability and Level:
- The PNB RuPay Select Credit Card requires a minimum annual income of ₹1 lakh.
- Salaried applicants with consistent paychecks or self-employed individuals with steady business income are preferred.
- Irregular income or unverifiable sources can hinder approval.
Employment Type and Duration:
- Salaried professionals with at least six months of continuous employment are preferred.
- Self-employed individuals with a business operational for at least two years are more likely to qualify.
- Employment stability indicates repayment capacity.
Existing Relationship with PNB:
- Customers with savings accounts, fixed deposits, or loans with a good repayment history may receive pre-approved offers or faster processing.
- The bank’s Pre-Qualified Credit Card (PQCC) program targets such customers, simplifying the application process.
Debt-to-Income Ratio:
- A lower DTI (below 40%) indicates sufficient income to manage additional credit, improving approval odds.
- High existing debt, such as multiple loans or credit card balances, may lead to rejection or a reduced credit limit.
Age and Residency:
- Applicants under 21 or over 60 (salaried) or 65 (self-employed) may not qualify for the primary card.
- Indian citizenship or residency is mandatory.
- Non-residents must provide additional documentation such as proof of a local address or banking relationship.
Application Accuracy:
- Accuracy and completeness of the application and documents are critical.
- Errors in personal details, mismatched documents, or incomplete submissions can delay or derail the approval process.
- Double-check your application before submission.

Frequently Asked Questions (FAQs) – PNB RuPay Select Credit Card

1. What is the PNB RuPay Select Credit Card?

The PNB RuPay Select Credit Card is a premium credit card offered by Punjab National Bank in collaboration with NPCI’s RuPay network, providing rewards, lounge access, cashback, and insurance benefits for lifestyle and everyday spending.

2. What are the key features of the card?

Key features include:
- 2 Reward Points per ₹150 spent
- 2 domestic lounge visits per quarter
- 4 international lounge visits annually
- 1% fuel surcharge waiver
- ₹10 lakh insurance cover
- Contactless payments
- Discounts at 300+ merchants

3. What is the joining fee for the card?

The joining fee is ₹500, payable upon card issuance.

4. What is the annual fee, and can it be waived?

The annual fee is ₹750. It can be waived by making at least one retail transaction per quarter, making the card potentially lifetime free for active users.

5. How many Reward Points are earned per transaction?

You earn 2 Reward Points for every ₹150 spent on retail transactions. Each point is valued at ₹0.25.

6. Are there any welcome benefits for new cardholders?

Yes, new cardholders receive 300 bonus Reward Points on their first transaction within 90 days and 2x Reward Points on online and merchandise purchases for the first 90 days.

7. How can Reward Points be redeemed?

Points can be redeemed for cashback, gift vouchers, merchandise, or travel bookings through the PNB Rewardz website.

8. What lounge access benefits does the card offer?

The card provides two complimentary domestic lounge visits per quarter (up to eight annually) and four international lounge visits per year at select airports in the RuPay network.

9. Does the card offer cashback?

Yes, cashback is available on utility bills, dining, and restaurant expenses. The PNB Patanjali RuPay Select variant offers 5-7% cashback on Patanjali recharges and 2% on purchases of ₹2,500+ at Patanjali stores.

10. What insurance coverage is provided?

The card includes ₹10 lakh coverage for accidental death and permanent total disability, automatically provided at no extra cost.

11. Does the card support contactless payments?

Yes, it supports contactless payments for transactions up to ₹5,000 without a PIN, using secure RuPay encryption.

12. What is the credit limit for the card?

The credit limit ranges from ₹50,000 to ₹10 lakh, based on the applicant’s income, credit score, and repayment capacity.

13. Can I convert purchases into EMIs?

Yes, large purchases can be converted into Equated Monthly Installments (EMIs) for easier repayments.

14. Is there an auto-debit facility for bill payments?

Yes, you can set up auto-debit via the PNB GENIE app or through your PNB account to ensure timely bill payments.

15. How many add-on cards are allowed?

Up to two add-on cards are available at no extra cost for family members aged 18–65, with access to the same benefits as the primary card.

List of PNB Rupay Select Credit Card Tamil Nadu Bank Branches

Coimbatore - Peelamedu
Coimbatore - Avinashi Road
Coimbatore - Saibaba Colony
Coimbatore - Pollachi
Tamil Nadu - Coimbatore

Madurai - Simmakkal
Madurai - Anna Nagar
Madurai - Tallakulam
Madurai - South Masi Street
Madurai - K K Nagar

Tiruchirappalli - Thillainagar
Tiruchirappalli - Srirangam
Tiruchirappalli - Cantonment
Tiruchirappalli - Puthur
Tamil Nadu - Tiruchirappalli

Salem - Alagapuram
Salem - Suramangalam
Salem - Gugai
Salem - Fairlands
Tamil Nadu - Madurai

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