All cards / Punjab National Bank
Punjab National Bank
PNB Rakshak RuPay Select Credit Card
RuPay
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.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.67%
Card network
RuPay
Card tier
Mid
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
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