IndiaBanks.org · independent research

Credit cards

PNB Patanjali RuPay Select Credit Card

A Patanjali co-branded RuPay Select card with ₹500 joining fee, ₹750 annual fee waived by quarterly use, 2% Patanjali-store cashback over ₹2,500 (capped at ₹50 per transaction), and 5–7% recharge cashback.

Cashback2% at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback.Rewards2 reward points per ₹150 spent, plus 300+ points on first usage.Offers2% cashback at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback through Patanjali Swadeshi Samridhi Card; 300+ merchant offers.
Official product page ↗Compare category

Quick eligibility check

PNB Patanjali RuPay Select Credit Card

0 of 6 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: PNB's co-brand employee policy permits consideration from ₹10,000 net monthly income?

Published source: Minimum income

2Are you this type of customer: Eligible Patanjali co-brand/customer segment?

Published source: Eligibility

3Does your annual income meet this requirement: employee route may be considered from ₹10,000 net monthly income?

Published source: Eligibility

4Do you meet this requirement: PNB credit assessment applies?

Published source: Eligibility

5Do you meet this requirement: Patanjali co-brand eligibility and PNB credit assessment?

6Are you this type of customer: employee route may use the published ₹10,000 net monthly minimum?

0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual / renewal fee₹750 per year; waived when used once in each quarter in the preceding year.View source
₹750 per year; waived when used once in each quarter in the preceding year.
Source
PNB Patanjali RuPay Select Credit Card
Page / section
Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Fee waiver₹500 joining fee; ₹750 annual fee, waived with one use in each quarter.View source
₹500 joining fee; ₹750 annual fee, waived with one use in each quarter.
Source
PNB Patanjali RuPay Select Credit Card
Page / section
Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeGeneral minimum income is not published on the product page; PNB's co-brand employee policy permits consideration from ₹10,000 net monthly income.View source
General minimum income is not published on the product page; PNB's co-brand employee policy permits consideration from ₹10,000 net monthly income.
Source
PNB Patanjali RuPay Select Credit Card
Page / section
Income criteria
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilityEligible Patanjali co-brand/customer segment; employee route may be considered from ₹10,000 net monthly income; PNB credit assessment applies.View source
Eligible Patanjali co-brand/customer segment; employee route may be considered from ₹10,000 net monthly income; PNB credit assessment applies.
Source
PNB Patanjali RuPay Select Credit Card
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APR35.89% per annum on regular revolving credit; FD-backed cards 19.56% per annum.View source
Current PNB schedule publishes 35.89% regular and 19.56% for -backed cards.
Source
PNB Schedule of Fees and Charges
Page / section
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Monthly finance charge2.95% per month regular; 1.5% per month for FD-backed cards.View source
Current PNB schedule publishes the monthly rates.
Source
PNB Schedule of Fees and Charges
Page / section
Finance charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Forex markupNot published on the reviewed product page or current fee schedule.View source
No foreign-currency markup is stated.
Source
PNB Patanjali RuPay Select Credit Card
Page / section
Complete product page and fee schedule
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Cashback2% at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback.View source
2% at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback.
Source
PNB Patanjali RuPay Select Credit Card
Page / section
Offers
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Rewards2 reward points per ₹150 spent, plus 300+ points on first usage.View source
2 reward points per ₹150 spent, plus 300+ points on first usage.
Source
PNB Patanjali RuPay Select Credit Card
Page / section
Rewards and benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Offers2% cashback at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback through Patanjali Swadeshi Samridhi Card; 300+ merchant offers.View source
2% cashback at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback through Patanjali Swadeshi Samridhi Card; 300+ merchant offers.
Source
PNB Patanjali RuPay Select Credit Card
Page / section
Prominent features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Lounge accessComplimentary domestic and international lounge programme; quota not published.View source
Complimentary domestic and international lounge programme; quota not published.
Source
PNB Patanjali RuPay Select Credit Card
Page / section
Lounge
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
NetworkRuPay SelectView source
RuPay Select
Source
PNB Patanjali RuPay Select Credit Card
Page / section
Product heading
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹500 joining fee; ₹750 annual fee waived with one use each quarter
  • 2 reward points per ₹150 and 300+ activation points
  • 2% cashback at Patanjali stores on transactions above ₹2,500, capped at ₹50 per transaction
  • 5–7% additional cashback on Patanjali Swadeshi Samridhi Card recharge
  • Domestic and international lounge, insurance and 300+ merchant offers

Eligibility

  • Patanjali co-brand eligibility and PNB credit assessment; employee route may use the published ₹10,000 net monthly minimum.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • PNB card application, , and income proof; Patanjali employment/co-brand proof where applicable

Related official documents

PNB Schedule of Fees and Chargesofficial-fee-schedule-pdf · current · accessed 30 Aug 2026
↗
PNB credit-card application and co-brand eligibilityofficial-application-pdf · current · accessed 30 Aug 2026
↗
PNB Patanjali RuPay Select Cardofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,475one thousand four hundred seventy-five rupees
Balance after that interest₹51,475fifty-one thousand four hundred seventy-five rupees
Monthly rate × 1235.4%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

PNB Salary RuPay Platinum Credit Card · Income / eligibilityGross monthly income above ₹25,000.

This value is copied from PNB salary and co-branded cards — published terms. Check the table notes before relying on it.

Source: PNB card product pages and fee schedule · types11/types14/types15/ and schedule of fees Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 6 columnsPNB salary and co-branded cards — published termsFees, income, rewards, travel benefits and offers from official PNB card pages and linked documents.View tableHide table

Scroll sideways to view every column

PNB salary and co-branded cards — published terms
CardIncome / eligibilityFeesRewards / offersLounge / coverNetwork
PNB Salary RuPay Platinum Credit CardGross monthly income above ₹25,000.Nil joining and annual fee; lifetime free while the eligible salary account is maintained.1 reward point per ₹100 spent. Myntra ₹250, Ola/Uber ₹100, Netmeds 20% off on ₹999 minimum order, spa, health-check-up and benefits.4 complimentary domestic visits (1 per quarter) and 1 international visit per year.RuPay Platinum
PNB Salary RuPay Select Credit CardGross monthly income above ₹75,000.Nil joining and annual fee; lifetime free while the eligible salary account is maintained.2 reward points per ₹150 spent. Myntra ₹250, Ola/Uber ₹100, BigBasket/Blinkit ₹250, Swiggy One, Gaana Plus, , Netmeds 20% off on ₹999 minimum order and wellness benefits.8 complimentary domestic visits (2 per quarter) and 2 international visits per year.RuPay Select
PNB Patanjali RuPay Select Credit CardGeneral minimum income is not published on the product page; PNB's co-brand employee policy permits consideration from ₹10,000 net monthly income.₹500 joining fee; ₹750 annual fee, waived with one use in each quarter.2 reward points per ₹150 spent, plus 300+ points on first usage. 2% cashback at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback through Patanjali Swadeshi Samridhi Card; 300+ merchant offers.Complimentary domestic and international lounge programme; quota not published.RuPay Select
PNB EaseMyTrip RuPay Platinum Credit CardNot published on the reviewed EaseMyTrip product page.₹2,000 joining fee and ₹2,000 annual fee; annual fee waived above ₹1 lakh preceding-year spends.300+ reward points on activation; ongoing earning rate is not published on the page. ₹3,000 welcome voucher value; 10% off domestic flights up to ₹1,000 and international flights up to ₹5,000, with no minimum order value.Complimentary domestic and international airport lounge access; quota not published.RuPay Platinum
PNB card product pages and fee schedule · types11/types14/types15/ and schedule of fees · accessed 30 Aug 2026Open official source ↗

More from Punjab National Bank

Related products

PNB BLISS Credit Card

A PNB BLISS RuPay Platinum card with ₹510 annual fee waived at ₹1 lakh annual spends and recurring shopping, mobility, wellness, entertainment and subscription benefits.

View product

PNB EaseMyTrip RuPay Platinum Credit Card

A RuPay Platinum travel co-brand card with ₹2,000 joining and annual fees (annual fee waived above ₹1 lakh prior-year spends), ₹3,000 EaseMyTrip welcome value, 10% flight discounts and lounge access.

View product

PNB Kiwi RuPay Select Co-branded Credit Card

A Kiwi RuPay Select co-brand card with ₹2.50 lakh gross annual income requirement, ₹750 annual fee, 0.5% online and 1.5% scan-and-pay cashback in Kiwis, and monthly partner offers.

View product

PNB Metal Credit Card LUXURA RuPay Ekaa

A premium RuPay Ekaa metal card for customers with ₹1.50 lakh monthly salary or ₹18 lakh annual income, ₹9,000 joining fee and ₹7,500 annual fee plus , unlimited lounge access and 4 points per ₹100.

View product