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PNB RuPay Signature Credit Card
RuPay
PNB RuPay Signature Credit Card
A step up from PNB's Classic card, the RuPay Signature adds modest domestic lounge access and slightly better rewards on dining and groceries for salaried customers who want a mid-tier PSU card without private-bank fees.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in dining, groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- 🍽️ Dining & food delivery
1.5% reward rate
- 🛒 Groceries
1.5% reward rate
- ✈️ Travel
2 complimentary domestic airport lounge visits per year via RuPay Select lounge program
- 🛡️ Insurance
Personal accident cover up to ₹5 lakh
- ⛽ Fuel
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: 720
- Minimum monthly income: ₹30,000
- 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
- 2 complimentary domestic airport lounge visits per year via RuPay Select lounge program
- Personal accident cover up to ₹5 lakh
Pros
- + 2 domestic lounge visits a year
- + 1.5% back on dining and groceries
- + Higher personal accident cover than the Classic variant
Cons
- − Joining fee is non-trivial for a mid-tier card
- − Reward point value math is less transparent than flat cashback
- − Lounge program has limited airport coverage compared to Visa/Mastercard networks