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PNB RuPay Classic Credit Card
RuPay
PNB RuPay Classic Credit Card
PNB's entry-level RuPay Classic is a no-frills first credit card aimed at existing PNB savings account holders — basic reward points on retail spend, a fuel surcharge waiver, and a modest annual fee that's waived with light regular usage.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in fuel. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- 🛡️ Insurance
Complimentary personal accident cover up to ₹2 lakh
- ⛽ Fuel
0.5% reward rate · 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
- Complimentary personal accident cover up to ₹2 lakh
Pros
- + Low annual fee, easily waived on modest spend
- + Fuel surcharge waiver at all stations
- + Basic personal accident cover included
Cons
- − Reward rate is minimal compared to private-bank entry cards
- − No lounge access or milestone benefits
- − Limited acceptance for large-ticket online/international spend on RuPay