PNB RuPay Select Credit Card
Punjab National Bank · RuPay
Why this card?
- 0.33% back in reward points on eligible spends
- ₹499 joining fee, ₹750 annual fee
- 2 domestic and 2 international airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- Punjab National Bank
- Network
- RuPay
- Annual Fee
- ₹750
- Joining Fee
- ₹499
- Reward Type
- points
- Best Reward Rate
- 0.33% on all eligible spends
- Forex Markup
- 3.5%
- Domestic Lounge
- 2/yr
- Min. Monthly Income
- ₹41,667
- Rates verified
- 2026-10-06
Our verdict
PNB RuPay Select brings lounge access and UPI credit to a segment typically underserved by private banks — government bank account holders in Tier 2 and Tier 3 cities who want a trusted credit card from their primary bank. It carries a ₹499 joining fee and ₹750 annual fee, and a minimum monthly income of ₹41,667.
Pros
- Annual fee waiver is usage-based — use the card at least once each quarter of the preceding year
- 2 domestic lounge visits per quarter (8 a year) plus 2 international visits a year
- RuPay's UPI credit functionality is a genuine differentiator for daily payment habits
- PNB's extensive branch and ATM network is a practical advantage in smaller towns
Cons
- Flat earn of 2 points per ₹150 is only about 0.33% back as points, with no acceleration on any specific category
- PNB's digital banking experience lags behind private bank apps
- Limited overseas acceptance vs Visa/Mastercard networks
- 3.5% forex markup — standard but expected at this price point