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Punjab National Bank
PNB Patanjali RuPay Select Credit Card
RuPay
PNB Patanjali RuPay Select Credit Card
A Patanjali co-branded RuPay Select card from PNB that adds a small 2% cashback (capped at ₹50) on Patanjali purchases above ₹2,500 to a standard RuPay Select package of lounge access and ₹10 lakh accident cover. The ₹750 annual fee is waived if you use the card at least once every quarter.
Annual fee
₹750
Joining fee
₹500
Reward type
points
Base reward rate
0.33%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 0.33% base rate
- Reward redemption: Points redeemable (minimum 1,000 points) at 1 point = ₹0.25
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter
- International lounge access: 2 complimentary international lounge visits a year
- Insurance benefits: Personal accident insurance of ₹10 lakh
Benefits by category
- ✈️ Travel
2 domestic lounge visits per quarter and 2 international visits a year
- 🛡️ Insurance
Personal accident cover of ₹10 lakh
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹41,667
- Employment: salaried, self-employed
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 2.95% p.a.
- Fuel surcharge waiver: 1% fuel surcharge refund on fuel transactions between ₹400 and ₹4,000, capped at ₹350 per statement cycle
- Cash advance charges: 2% of amount withdrawn, minimum ₹150 at PNB ATMs, ₹200 at other domestic ATMs, ₹300 overseas; interest at 2.95% p.m. from the date of withdrawal
Benefits
- 2% cashback on transactions above ₹2,500 at authorised Patanjali stores/website, capped at ₹50
- 300+ reward points on first use
- 2 domestic lounge visits per quarter and 2 international visits a year
- Personal accident cover of ₹10 lakh
Pros
- + Annual fee waived simply by using the card once each quarter
- + Domestic and international lounge access
- + ₹10 lakh personal accident cover
Cons
- − Patanjali cashback is capped at ₹50 and needs a ₹2,500+ purchase
- − Base rewards around 0.33%
- − ₹500 joining fee