Summary
The PNB Patanjali RuPay Select Credit Card is a co-brand credit card that has been launched by Punjab National Bank (PNB) and Patanjali Ayurved. The card is designed for consumers who shop for Ayurveda and natural well-being products. The card gives special benefits on Patanjali purchases and lifestyle expenses.
One of the most important advantages of this card is the 5% cashback on shopping at Patanjali stores and websites. Cardholders also receive discounts on health, wellness, and lifestyle services, which makes it a perfect option for those who adopt a holistic way of life. The card also offers free lounge access at certain domestic and international airports, which makes travel a pleasant experience.
Besides these, the card also includes extensive insurance coverage, safeguarding against accidental death as well as other risks related to travel. The customers also get reward points on each transaction, which can be availed of in exchange for diverse benefits. The contactless payment feature promotes security and ease and facilitates rapid and secure transactions.
Introduction
PNB (Punjab National Bank) and Patanjali have jointly launched the “PNB Patanjali RuPay Select Card”, which is especially for those customers who are interested in adopting a healthy lifestyle and promoting indigenous products. The Punjab National Bank Patanjali RuPay Select Card is a great option for those who use Patanjali products and buy them regularly.
Through the card, customers can avail great cashback, discounts, and reward points on purchasing products from Patanjali stores. The biggest advantage of the Punjab National Bank Patanjali RuPay Select Card is that it gives special discounts on the purchase of Patanjali products so that people can buy the items they need at a lower price.
Apart from this, the Punjab National Bank Patanjali RuPay Select Card can be used not only at Patanjali stores but also at all other RuPay network-connected business locations. With the Punjab National Bank Patanjali RuPay Select card, you also get many other benefits like a health check-up package, lounge access, and insurance. The Punjab National Bank Patanjali RuPay Select card is a special health and wellness-focused card, with which you can not only avail yourself of financial benefits but also take care of your health.
In today’s article, we will discuss in detail the Punjab National Bank Patanjali RuPay Select Card. In this article, we will tell you in detail about its benefits. Along with this, in this article, we will also discuss the fees of the Punjab National Bank Patanjali RuPay Select Card and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problem later.
What is the PNB Patanjali RuPay Select Card?
The Punjab National Bank Patanjali RuPay Select Card is a dedicated credit card introduced by Punjab National Bank (PNB) and Patanjali together. The PNB Patanjali RuPay Select Card is meant mainly for those who purchase Patanjali products and support local products. Using the Punjab National Bank Patanjali RuPay Select Card, you can get special benefits like cashback and reward points on buying from Patanjali shops.
Besides this, the Punjab National Bank Patanjali RuPay Select Card is affiliated with the RuPay network, so you can use it at other stores and online sites that accept RuPay cards as well. As a user of the Punjab National Bank Patanjali RuPay Select Card, you are also availed of numerous advantages such as health check-ups, airport lounge facilitation, and insurance.
What is the design of the PNB Patanjali RuPay Select Card?
The Select card design is highly unique and wonderful. Patanjali’s brand has been implemented on the Punjab National Bank Patanjali RuPay Select card, which provides it with a different identity. Symbols of Swadeshi and Yoga have also been included, and the Punjab National Bank Patanjali RuPay Select card portrays the identity of Patanjali.
Light shades have been incorporated on the Punjab National Bank Patanjali RuPay Select card, wherein the combination of green and white can be observed. The green shade represents Swadeshi and nature, and the white color depicts peace and simplicity. Furthermore, the RuPay logo is also printed on it, which signifies that it can be used on the RuPay network.
What are the benefits of the PNB Patanjali RuPay Select Card?
Select card provides the following advantages:
Travel & Lifestyle Advantages:
- Fuel Surcharge Waiver: You avail the advantage of a 1% fuel surcharge waiver while refueling through the Punjab National Bank Patanjali RuPay Select card.
- Airport Lounge Facility: With a PNB Visa Signature card, you are availed of the facility of complimentary usage of the lounges of a few selected domestic and international airports. Through which your travel turns out to be comfortable.
- Travel Insurance: With the PNB Visa Signature card, you are also provided with the facility of travel insurance. Under this, if you pass away in an accident while you are traveling by air, then you are eligible for the facility of insurance.
Reward & Cashback Benefits:
- Welcome Benefit: You are provided with 300 reward points as a welcome benefit of the Punjab National Bank Patanjali RuPay Select card.
- Reward Points: You receive 2 reward points on an Rs 150 purchase made with a Punjab National Bank Patanjali RuPay Select card. Which you can redeem even later.
- Patanjali Cashback: If you make a purchase of Rs 2,500 at a Patanjali store via a Punjab National Bank Patanjali RuPay Select card, then you receive a cashback of 2%.
Other Benefits:
- Add-on Card: With the Punjab National Bank Patanjali RuPay Select card, you also enjoy the facility of an add-on card, on which you can add your members in the PNB Patanjali RuPay Select card too.
- Zero Annual Fee: With the Punjab National Bank Patanjali RuPay Select card, you do not need to pay an annual fee.
What are the PNB Patanjali RuPay Select Card fees?
Here is a simple Punjab National Bank Patanjali RuPay Select Card fee breakup.
| Joining Fee | Rs 499 + GST |
| Annual Fee | Nil |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, there is a 2.95 % per month (42% annually) charge on the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting a PNB Patanjali RuPay Select Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the Punjab National Bank Patanjali RuPay Select Card.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 1,00,000 is usually the job.
- A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.
- Your credit score plays a role in the selection process. Punjab National Bank favors borrowers with a better credit score, usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.
What documents are required to get a PNB Patanjali RuPay Select Card?
The documents that you will have to submit to Get Patanjali RuPay Select Card are as follows:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the PNB Patanjali RuPay Select Card be used?
Here is the list of places where you can use it:
- With the Punjab National Bank Patanjali RuPay Select Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
What is the credit limit of the PNB Patanjali RuPay Select Card?
The credit amount you can spend is what you are provided with a Punjab National Bank Patanjali RuPay Select Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another or even more, considering his/her profile and financial background.
How do you apply for a PNB Patanjali RuPay Select Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the Punjab National Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- Just hover your cursor on the Punjab National Bank Patanjali RuPay Select Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest Punjab National Bank branch to apply for the Punjab National Bank Patanjali RuPay Select Card.
- Request for the credit card application form for the Punjab National Bank Patanjali RuPay Select Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.
- Your application will be processed, and your information will be cross-checked at the bank level.
- You will receive the Punjab National Bank Patanjali RuPay Select Card by post at the same postal address.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting a PNB Patanjali RuPay Select Card in 2025 be right?
Yes, getting a Punjab National Bank Patanjali RuPay Select Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit.
Conclusion
The Punjab National Bank Patanjali RuPay Select Card is a specially designed credit card for people using Patanjali products and encourages swadeshi products. The PNB Patanjali RuPay Select Card, besides providing huge discounts, cashback, and reward points at Patanjali stores, also includes free health check-ups, airport lounge access, and insurance coverage.
The card design is also drawn from Patanjali’s name, which reflects the message of Swadeshi and Yoga. It can be utilized not just at Patanjali outlets but also at all merchant outlets available on the RuPay network, making the Punjab National Bank Patanjali RuPay Select Card even more convenient.
Frequently Asked Questions (FAQs)
Ans: Yes, with the Punjab National Bank Patanjali RuPay Select Card, you have the facility of a free health check-up, which makes it even more beneficial for customers who are health and wellness-conscious.
Ans: The Punjab National Bank Patanjali RuPay Select Card can be used at all RuPay network merchant outlets. Besides Patanjali outlets, you can use it at any shopping mall, online website, and other merchant outlets.
Ans: Yes, as with any other credit card, the bank can verify your credit score, i.e., CIBIL score, for the Punjab National Bank Patanjali RuPay Select Card. If you possess a good credit score, then there are more chances of getting the application accepted for the card.
Ans: Yes, an insurance facility is also available with the Punjab National Bank Patanjali RuPay Select Card, which can be availed for your protection while traveling or in case of other accidents.
Ans: If you are using Patanjali products regularly and wish to avail yourself of facilities related to health and well-being, then availing the Punjab National Bank Patanjali RuPay Select Card in 2024 can be a good choice.
