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Credit cards

PNB RuPay Select Credit Card

A RuPay Select credit card with ₹500 joining fee, quarterly-use annual-fee waiver, 2 reward points per ₹150, lounge access, utility/eatery cashback and insurance cover.

CashbackExclusive cashback in utility bills, eateries and restaurants; the page does not publish a percentage or cap.Rewards2 reward points per ₹150 spent on the RuPay Select variant; 300+ reward points on first retail or online transaction within 90 days of receiving the card. Points can be redeemed for vouchers, merchandise, movie tickets, hotel bookings, recharges or cashback.Offers300+ merchant offers, including categories described by PNB as utility, eateries and restaurants; offer terms are dynamic and issuer-controlled.
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Quick eligibility check

PNB RuPay Select Credit Card

0 of 2 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 age meet this requirement: no numeric age or income criterion is published on the reviewed page?

Published source: Eligibility

2Does your age meet this requirement: The reviewed product page does not publish a numeric income threshold or age rule?

0 of 2 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 feeNil if the card is used at least once in each quarter; otherwise the page does not publish the non-waived annual fee amount.View source
PNB states annual fee is NIL when the card is used once in a quarter.
Source
PNB RuPay Select Card
Page / section
Card fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Fee waiverAnnual fee waived when the card is used at least once in each quarter; joining fee is ₹500.View source
The product page publishes ₹500 minimum joining fee and the quarterly-use annual-fee waiver.
Source
PNB RuPay Select Card
Page / section
Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNot published on the reviewed PNB RuPay Select product or rewards page.View source
The page lists features and fees but no numeric income threshold.
Source
PNB RuPay Select income review
Page / section
Complete product page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilityPNB credit-card applicants subject to issuer approval; no numeric age or income criterion is published on the reviewed page.View source
The product page does not state an age or income threshold.
Source
PNB RuPay Select eligibility review
Page / section
Complete product page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published on the reviewed product page or rewards page.View source
No or finance-charge percentage is shown on the reviewed page.
Source
PNB RuPay Select review
Page / section
Complete product page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Monthly finance chargeNot published on the reviewed PNB RuPay Select page.View source
The product page publishes benefits but no monthly finance-charge rate.
Source
PNB RuPay Select finance-charge review
Page / section
Complete product page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Forex markupNot published on the reviewed PNB RuPay Select page.View source
No foreign-currency markup is stated on the product page.
Source
PNB RuPay Select forex review
Page / section
Complete product page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
CashbackExclusive cashback in utility bills, eateries and restaurants; the page does not publish a percentage or cap.View source
PNB lists cashback categories but no numeric rate or cap.
Source
PNB RuPay Select Card
Page / section
Prominent features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Rewards2 reward points per ₹150 spent on the RuPay Select variant; 300+ reward points on first retail or online transaction within 90 days of receiving the card. Points can be redeemed for vouchers, merchandise, movie tickets, hotel bookings, recharges or cashback.View source
PNB's rewards page publishes 2 points per ₹150 and 300 points on the first qualifying transaction within 90 days.
Source
PNB Rewardz programme
Page / section
RUPAY - SELECT 652859
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Offers300+ merchant offers, including categories described by PNB as utility, eateries and restaurants; offer terms are dynamic and issuer-controlled.View source
The product page advertises 300+ merchant offers and category cashback.
Source
PNB RuPay Select Card
Page / section
Prominent features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Lounge accessComplimentary domestic and international lounge programme; visit quota and spend conditions are not published on the reviewed product page.View source
PNB lists complimentary domestic and international lounge access without a numerical quota.
Source
PNB RuPay Select Card
Page / section
Prominent features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
NetworkRuPay (Select variant).View source
The official product title identifies this as the PNB RuPay Select Card.
Source
PNB RuPay Select Card
Page / section
Product title and variant
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹500 joining fee
  • Annual fee nil if the card is used once in each quarter
  • 300+ reward points on first usage
  • 2× reward points on retail merchandise
  • Complimentary domestic and international lounge programme
  • Cashback in utility bills, eateries and restaurants
  • Comprehensive insurance coverage, concierge and 300+ merchant offers

Eligibility

  • The reviewed product page does not publish a numeric income threshold or age rule; final approval is subject to PNB Card's application assessment.

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

Documents the bank lists

  • PNB credit-card application and /income documents requested by the issuer

Related official documents

PNB Rewardz programmeofficial-rewards-page · current · accessed 30 Aug 2026
↗
PNB 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₹1,750one thousand seven hundred fifty rupees
Balance after that interest₹51,750fifty-one thousand seven hundred fifty rupees
Monthly rate × 1242%

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.

Network · Published termRuPay Select

This value is copied from PNB RuPay Select — published terms. Check the table notes before relying on it.

Source: PNB RuPay Select Card · Complete product page and rewards page Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsPNB RuPay Select — published termsFees, rewards, offers, cashback, lounge and network from the official PNB Card portal.View tableHide table

Scroll sideways to view every column

PNB RuPay Select — published terms
ParameterPublished term
NetworkRuPay Select
Joining fee₹500
Annual feeNil when used once in each quarter; non-waived amount not published
Rewards2 points per ₹150; 300+ points on first qualifying transaction within 90 days
CashbackUtility bills, eateries and restaurants; rate/cap not published
LoungeComplimentary domestic and international programme; quota not published
InsuranceComprehensive insurance coverage; sum insured not published
Offers300+ merchant offers; terms can change
PNB RuPay Select Card · Complete product page and rewards page · accessed 30 Aug 2026Open official source ↗

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