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.
Rates and fees last verified 19 July 2026.
Annual fee
₹750
Joining fee
₹500
Reward type
points
Base reward rate
0.67%
Card network
RuPay
Card tier
Mid
Reward rates by category
- Other1.33%
Eligibility
- Employment: salaried, self-employed
- Age: 21–70
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)
Applying takes you to Punjab National Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.