PNB Rakshak RuPay Select Card: Features & Benefits

Summary

Offering several incentives across multiple categories, the PNB Rakshak RuPay Select Card is a premium credit card created primarily for government officials and defense people.  The card has a clean, businesslike look and a sleek mix of dark and gold tones that underlines its originality. It amply illustrates PNB Rakshak branding and the RuPay Select logo, therefore suggesting their superior quality.

Among the key advantages of this card is its reward points system. Two reward points are earned for each ₹150 spent on regular purchases; five reward points are earned for each ₹150 spent on utility bills and government transactions. One can then make fascinating gifts from these points. 

The card gives free access to domestic airport lounges for visitors, therefore improving the comfort of travel. It also offers travel bookings’ discounts, thereby enabling users to save on travels. Further savings come from the 1% fuel levy waiver on fuel transactions between ₹400 and ₹4,000.

Introduction

The PNB Rakshak RuPay Select Card is a special credit card introduced by Punjab National Bank (PNB), which is specially designed for Indian defense forces, paramilitary forces, and police personnel. This Card aims to provide better financial services and facilities to those who make an important contribution to the security of the country. The Punjab National Bank Rakshak RuPay Select Card has many features that make it different from normal credit cards.

The biggest feature of Select Card is that it is based on the ‘RuPay’ platform, developed by the National Payments Corporation of India (NPCI). RuPay card is designed according to the needs of the Indian market and can be used across the country. The Punjab National Bank Rakshak RuPay Select Card not only gives the defense personnel the facility of cashless payment but also provides them with many other benefits, such as accident insurance, lounge access at airports, and cashback offers.

Apart from this, cardholders also get special discounts on health and wellness services, which also helps them take care of their family. Also, the Punjab National Bank Rakshak RuPay Select card provides 24×7 customer support so that any problem related to the card can be resolved immediately.

In today’s article, we will discuss in detail the Punjab National Bank Rakshak 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 Rakshak 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 Rakshak RuPay Select Card?

Introduced by Punjab National Bank (PNB), Select Card is a unique credit card meant for police, paramilitary, and military personnel of the nation. Based on the Indian RuPay network, created by the National Payments Corporation of India (NPCI), the PNB Rakshak RuPay Select card is

Defense personnel receive various particular perks, including accident insurance, lounge facilities at airports, and discounts on health services, in addition to the facility of cashless payment made possible by the Punjab National Bank Rakshak RuPay Select card. 

What is the design of the PNB Rakshak RuPay Select Card?

Usually with a combination of gold and dark tones, the Punjab National Bank Rakshak RuPay Select Card appeals to defense personnel and government employees, who are the main users of this card.  Its professional style and elegant, modern design reflect. The card boasts a sophisticated layout with the PNB Rakshak trademark displayed.

What are the benefits of the PNB Rakshak RuPay Select Card?

The main benefits consist of these:

1. Actual Points for Reward:

• For every ₹150 you spend on consistent purchases, you earn two reward points.

• For every ₹150 spent on utilities and government payments, earn five reward points.

2. Access to Lounge & Travel Discounts: 

• Access free domestic airport lounges at some Indian airports.

• Travel bookings discounted helps to make vacations more reasonably priced.

3. Coverage in Insurance:

• Coverage for personal accidents runs up to ₹10 lakh.

• Up to ₹10 lak in permanent disability cover.

• Get purchase protection covering ₹2 lakh.

4. Waiver of Fuel Surcharge:

• Fuel transactions between ₹400 and ₹4,000 at petrol stations will be waived with a  1% fuel surcharge.

5. Lifestyle and Shopping Advantages

• Discounts on dining, shopping, and wellness services. 

• Exclusive deals on a few chosen brands and stores.

6. Secure and contactless transactions

• For simple and quick payments, use the tap-and-pay function.

• Modern security tools are meant to stop fraud.

What are the PNB Rakshak RuPay Select Card fees?

Here is a simple Punjab National Bank Rakshak RuPay Select Card fee breakup.

Joining Fee	Nil
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, 3. there is a 5% 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 Rakshak RuPay Select Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the Punjab National Bank Rakshak RuPay Select Card.

2. 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.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. Punjab National Bank favors borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. 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.

7. 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 Rakshak RuPay Select Card?

The documents that you will have to submit to Get a Punjab National Bank Rakshak 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 Rakshak RuPay Select Card be used?

Here is the list of places where you can use it:

• With the Punjab National Bank Rakshak 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.

• You can use your Punjab National Bank Rakshak RuPay Select Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Punjab National Bank Rakshak RuPay Select Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the PNB Rakshak RuPay Select Card?

The credit amount you can spend is what you are provided with a Punjab National Bank Rakshak 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.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a PNB Rakshak 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’.

• On that page, you can see numerous options for credit cards issued by the Punjab National Bank; for instance, you can choose the Punjab National Bank Rakshak RuPay Select Card.

• Just hover your cursor on the Punjab National Bank Rakshak 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 Rakshak RuPay Select Card.

• Request for the credit card application form for the Punjab National Bank Rakshak 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.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Punjab National Bank Rakshak RuPay Select Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Punjab National Bank Card website or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a PNB Rakshak RuPay Select Card in 2025 be right?

Yes, getting a Punjab National Bank Rakshak 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. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

Finally, the Punjab National Bank Rakshak RuPay Select Card is a unique credit card designed specifically for the country’s defence personnel, paramilitary forces, and police personnel. The Punjab National Bank Rakshak RuPay Select Card not only provides them with the convenience of their daily financial transactions but also offers a host of great benefits to them and their families. Benefits such as cashless payments, accident insurance, airport lounge access, discounts on healthcar,e and cashback make it different and more beneficial than other credit cards.

Defence personnel work day and night to maintain the security and peace of our country. To honors their contribution, PNB has launched the Punjab National Bank Rakshak RuPay Select Card to help them meet their financial needs with ease and avail of various exclusive benefits. Being based on the RuPay network, the Punjab National Bank Rakshak RuPay Select Card is completely designed in India and caters to the needs of the Indian market.

Using the Punjab National Bank Rakshak RuPay Select card, defence personnel can not only meet their daily needs but also enjoy a safe and profitable financial experience. The Punjab National Bank Rakshak RuPay Select card is a special initiative in honors of the defense personnel, providing them with better financial facilities and security.

Frequently Asked Questions (FAQs)