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PNB RuPay Select Credit Card

The PNB RuPay Select Credit Card offers premium lifestyle convenience with rewarding benefits, including lounge access, insurance cover, and attractive cashback and rewards. The card comes at a joining fee of Rs.500 and offers an annual fee waiver facility. 

Updated On - 12 Dec 2025

The RuPay Select Credit Card by the Punjab National Bank caters to a wide range of customers who indulge in shopping online, travelling and dining frequently. A credit card suited for many offers extensive benefits on travel, reward points, and more. The Punjab National Bank Rupay Select Credit Card comes with an annual fee of Rs.750 and a finance charge of 2.95% per month.   

Key Highlights of the PNB RuPay Select Credit Card

The key highlights of PNB RuPay Select credit cards are given below: 

  1. On your first usage, get more than 300 points.
  2. Accelerated reward points of 2x on retail merchandise.
  3. Complimentary access to the domestic and international lounge program.
  4. Get cashback offers on utility bills, dining expenses, etc.
  5. Comprehensive insurance coverage.
  6. Credit-free period ranging between 20 to 50 days. 
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    Features and Benefits of the PNB RuPay Select Credit Card

    The key features and benefits of PNB RuPay Select credit card are given below: 

    Reward Point Benefits 

    1. On the first transaction,yougetmore than 300 reward points.
    2. For retail expenses, get accelerated reward points of 2x. 

    Travel Benefits 

    1. Complimentary access to domestic and international lounge program 

    Cashback Benefits 

    1. Avail cashback benefits on paying your utility bills, and dining expenses 

    Insurance Benefits 

    1. Get a comprehensive insurance package with the credit card 

    Other benefits 

    1. 24x7conciergeservices.
    2. More than 300 merchant offers are provided. 

    PNB RuPay Select Credit Card Limit

    The limit of your Punjab National Bank Select RuPay Credit Card is assigned by the bank. Punjab National Bank considers many factors before assigning a limit such as the primary applicant's credit score, the ratio for utilisation of credit, etc.

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    PNB RuPay Select Credit Card Fees and Charges

    The fees and charges applicable on PNB RuPay Select credit cards are given in the table below: 

    Fees and charges 

    Amount 

    Joining fee 

    Rs.500 

    Annual fees 

    Rs.750 

    Annual fee waiver 

    If used in each quarter in the preceding year 

    Finance charges 

    2.95% per month (35.89% per annum) 

    Interest rate 

    EMI: 12%to 18% per year 

    Processing Fee for Insta EMI 

    2% of transaction amount or Rs.100 (whichever is more) 

    Processing Fee for Easy Pay EMI plan for Retail Purchases 

    2% of transaction amount or Rs.200 (whichever is more) 

    Processing Fee for Balance facility 

    1. Up to Rs.50,000: 2% of transaction amount or Rs.500 (whichever is more)
    2. More than Rs.50,000: 1% of transaction amount or Rs.500 (whichever is more) 

    Prepayment charges on EMI facility 

    3% of outstanding amount 

    Cash Withdrawal Fees 

    2% of cash withdrawn or Rs.150 (whichever is more) 

    Duplicate Statement Fee 

    Rs.50 

    Late Payment Fee 

    1. Up to Rs.1000: Nil
    2. Rs.1,001 to Rs.5000: Rs.500
    3. Rs.5,001 to Rs.10,000: Rs.600
    4. More than Rs.10,000: Rs.750 

    Over-limit Charges 

    2.5% of the over-limit amount (Minimum of Rs.500) 

    Charge slip Retrieval Fee 

    Rs.100 

    Cheque returns or Dishonour Fee or Auto Debit Reversal 

    Rs.200 per card 

    Foreign Currency Transaction Fee 

    3.50% 

    Balance Transfer processing Fee 

    1% of transfer amount or Rs.199 (whichever is more) 

    Replacement Fee 

    Rs.200 per card 

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    Eligibility Criteria for PNB RuPay Select Credit Card

    The eligibility criteria that customers must meet to apply for PNB RuPay Select credit card are mentioned below: 

    Nationality 

    He or she must be a citizen of India or a non-resident Indian. 

    Employment status 

    The primary applicant must have a steady source of income. 

    Age 

    1. 21 to 70 years
    2. 18 years for add-on cards

    Income criteria 

    Rs.2.50 lakh for salaried, self-employed, businesses, and professional 

    Others 

    Customers must have a valid PAN, email ID, and valid KYC documents. 

    Documents Required for the PNB RuPay Select Credit Card

    The documents required to apply for PNB RuPay Select credit card are mentioned in the table below: 

    1. Application Form 
    1. Proof of Identity and Address 
    1. As per PNB’s KYC guidelines, any valid Officially Valid Document (OVD) is required. 
    1. Copy of PAN Card 
    1. Recent Photograph 
    1. Proof of Income 

    Here are the details on income proof: 

    For PNB Customers – Salaried or Pensioners 

    If salary or pension is credited in PNB account for the last 3 months and meets minimum income criteria, then no separate income proof is required. 

    If salary or pension is not credited in PNB account: 

    1. Latest ITR or Form 16.
    1. Last three months’ Statement of Account (SOA).
    1. Form 16 valid only for annual income up to Rs.5 lakh. 
    1. Above Rs.5 lakh, ITR is required. 

    For PNB Customers – Other Salaried or Pensioners 

    1. Latest acknowledged ITR (Income Tax Return).
    1. Last three months’ SOA of income credit account.

    For Non-PNB Customers – Salaried or Pensioners 

    1. Latest ITR or Form 16.
    1. Last three months’ SOA of salary or pension account.
    1. Form 16 valid up to Rs.5 lakh annual income. 
    1. Above Rs.5 lakh, ITR is required. 

    For Non-PNB Customers – Non-Salaried or Others 

    1. Latest acknowledged ITR for the last two years.
    1. Last three months’ SOA of income credit account.

    Note: SOA is not required if income is regularly credited into a PNB account. 

    Other PNB Credit Cards
    1. PNB Global Platinum Credit Card
    2. PNB Global Gold Credit Card
    3. PNB Global Classic Credit Card
    4. PNB Rupay Platinum Credit Card
    5. PNB Rakshak RuPay Platinum Credit Card
    6. PNB Rakshak RuPay Select Credit Card
    7. PNB Wave & Pay Credit Card

    FAQs on PNB RuPay Select Credit Card

    • Does the PNB RuPay Select Credit Card offer airport lounge access?

      Yes, the card offers complimentary domestic airport lounge access at select airports in India, depending on the usage limits defined by the bank.

    • What rewards can I earn with PNB RuPay Select credit card?

      What rewards can I earn with PNB RuPay Select credit card? 

    • Is there any insurance coverage included with PNB RuPay Select credit card?

      Yes, the PNB RuPay Select Credit Card typically includes complimentary insurance cover, as per the RuPay Select program features. 

    • How many Add-on cards can be issued to a primary card holder of PNB RuPay Select credit card?

      A maximum of two add-on cards can be issued to primary card holders of PNB RuPay Select credit card and those cards are issued only to spouse, mother, father, major son and daughter (unmarried) of the primary cardholder. The age of the add on cardholder should be between 18 and 70 years.  

    • What is the maximum and minimum limits for PNB RuPay Select Credit Cards for individuals?

      The maximum and minimum limit on your PNB RuPay Select credit card is Rs.50,000 and Rs.10 lakh, respectively. 

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