Punjab & Sind Bank RuPay Select Credit Card

Punjab & Sind Bank's own-brand RuPay Select, distinct from its RuPay Platinum and SBI co-branded Elite/Prime/SimplySave cards, offering the standard RuPay Select lounge tier.

Annual fee

₹1,000

Joining fee

₹1,000

Reward type

points

Base reward rate

Card network

RuPay

Card tier

Mid

Who this card fits

Best suited to applicants with a credit score of roughly 720+. Its annual fee waives if you can comfortably clear the spend threshold.

Rewards & benefits

Rewards rate: 1% base rate
Domestic lounge access: 2 complimentary domestic airport lounge visits per year via the RuPay Select lounge programme
International lounge access: Not offered on this variant

Benefits by category

✈️ Travel
2 complimentary domestic lounge visits per year via the RuPay Select programme
⛽ 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

Fees & charges

Spend-based waiver: Waived on annual spend of ₹1,00,000
Rewards redemption fee: Not disclosed by Punjab & Sind Bank
Foreign currency markup: 3.5%
Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations on transactions between ₹400 and ₹5,000, capped monthly
Cash advance charges: 2.5% of the withdrawal amount, subject to a minimum of ₹500 per transaction

Benefits

1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹5,000, capped monthly
2 complimentary domestic lounge visits per year via the RuPay Select programme

Pros

+ Domestic lounge access
+ Flat rewards on all spend
+ Alternative to PSB's SBI co-branded cards for direct PSB customers

Cons

− No differentiated reward categories
− RuPay-only acceptance abroad
− Fewer benefits than PSB's SBI Card Elite

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Best for

RuPay credit cards