All cards / Punjab National Bank
PNB RuPay Select Credit Card
PNB's upper-tier RuPay card with a higher credit limit, 2X rewards on retail spends, and complimentary lounge access.
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 whose spend is concentrated in travel. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 0.33% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter
- International lounge access: 2 complimentary international lounge visits per year
- Insurance benefits: Accidental death/permanent disability cover of ₹10 lakh
Benefits by category
- ✈️ Travel
Complimentary domestic and international airport lounge access
- 🛡️ Insurance
Comprehensive insurance coverage
- ⛽ Fuel
1% fuel surcharge waiver on ₹500–₹4,000 transactions, capped at ₹350/cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
- Age: 21–70
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 ₹4,000, capped at ₹350 per statement cycle
Benefits
- Complimentary domestic and international airport lounge access
- 300+ reward points on first retail/online transaction within 90 days
- 2X reward points on retail merchandise spends
- 1% fuel surcharge waiver on ₹500–₹4,000 transactions, capped at ₹350/cycle
- Comprehensive insurance coverage
- 24/7 concierge services
Pros
- + 2X reward points on retail spends
- + Complimentary domestic and international lounge access
- + Higher credit limit than the Platinum variant
Cons
- − ₹500 joining fee and ₹750 annual fee
- − High revolving interest rate (35.89% APR)