All cards / Punjab National Bank
PNB Rakshak RuPay Select Credit Card
The upper-tier PNB Rakshak card adds 2X retail rewards and lounge access on top of the zero-fee defence-personnel structure of the Platinum variant.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.67%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to salaried applicants who clear the standard eligibility bar whose spend is concentrated in dining. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.67% base rate
- Domestic lounge access: Complimentary domestic lounge access (via PNB lounge program; visit count not published)
- International lounge access: Complimentary international lounge access (via PNB lounge program; visit count not published)
Benefits by category
- 🍽️ Dining & food delivery
2X reward points on retail merchandise spends, plus cashback on utility bill payments and dining
- ✈️ Travel
Complimentary domestic and international airport lounge access
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried
- Age: 18–70
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 35.89% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹250 per billing cycle
Benefits
- 300+ reward points on first retail/online transaction within 90 days
- 2X reward points on retail merchandise spends, plus cashback on utility bill payments and dining
- Complimentary domestic and international airport lounge access
Pros
- + Zero joining/annual fee (with quarterly usage)
- + 2X reward points on retail spends
- + Complimentary domestic and international lounge access
Cons
- − Only available to PNB Rakshak Plus account holders via branch application
- − High revolving interest rate if balances are carried