PNB RuPay Select Credit Card
Updated on August 19, 2026
🎖️Reward Rate
Accelerated reward points on eligible merchant transactions
Overview
Enjoy complimentary domestic & international lounge access, annual health check-up, 24/7 concierge, and ₹10 Lakh accidental insurance cover.
Rewards
Reward Type
Reward Points
Reward Rate
Accelerated reward points on eligible merchant transactions
Welcome Benefit
300+ bonus reward points on first transaction within 30 days
Milestone Benefit
Annual renewal fee waiver on spending Use at least once per calendar quarter
Redemption
Redeem for flight/hotel bookings, brand vouchers, and statement cash credit
Benefits
- Complimentary Annual Preventive Health Check-Up package
- 2 Complimentary Domestic Airport Lounge visits per quarter & 2 International visits per year
- Complimentary Spa sessions and gym memberships via RuPay Select portal
Things to Know Before you apply
PNB RuPay Select Credit Card Eligibility Criteria
- Age: 21–65 years
- ₹30,000/month
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.0% (Min ₹300) |
Fee waiver: Use at least once per calendar quarter
PaisaSimple Review
Overall Rating
4.5/5What do we like about this card?
The PNB RuPay Select Credit Card issued by Punjab National Bank (PNB) is a top choice in India for targeted category spend. It features 3.50% + GST forex markup and generous reward multipliers.
Pros
- • Complimentary Annual Preventive Health Check-Up package
- • 2 Complimentary Domestic Airport Lounge visits per quarter & 2 International visits per year
- • Complimentary Spa sessions and gym memberships via RuPay Select portal
Cons
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified