PNB RuPay Select Card: Features & Benefits

Summary

Designed to provide customers with unique benefits, lifestyle bonuses, and travel incentives, Punjab National Bank’s premium PNB RuPay Select Credit Card presents. This card looks professional with its clean and modern design with RuPay Select branding and the PNB logo.

Among its key advantages is the reward points structure of this card, whereby users gain 2 reward points for every ₹150 spent. Among other usess, one can use these points for shopping and travel. Regular visitors also find the card ideal since it provides free access to a few selected airport lounges, therefore enhancing flight comfort. Additionally, cardholders are eligible for savings on wellness treatments, including spas, gym subscriptions, and health tests.

The card offers accidental security insurance of up to ₹10 lakh, therefore offering financial protection should an emergency hit. Along with a 1% fuel duty rebate on fuel transactions between ₹400 and ₹4,000, it helps consumers cut on petrol and diesel expenses. Also included in utility bill payments—including water, energy, and cell phone recharges—are cashback incentives.

Introduction

The PNB RuPay Select Card is a premium credit card introduced by Punjab National Bank (PNB) to suit your lifestyle. The Punjab National Bank RuPay Select Card is for those who want to not only control their expenses but also enjoy a host of unique benefits. Using a RuPay Card is safe and convenient for Indian customers as it is an integral part of the Indian payment system, which is based on local networks and guarantees secure transactions.

With a RuPay Select Card, you not only get the convenience of cashless transactions, but the benefits of special offers, cashback, and discounts also make your daily life even more special. The Punjab National Bank RuPay Select Card gives you special privileges in shopping, dining, travel, and entertainment. Apart from this, you also get great discounts on health and wellness services, making it a complete package.

Talking about the benefits available with the Punjab National Bank RuPay Select Card, you get domestic and international lounge access, airport facilities, free insurance coverage, and many other offers. The Punjab National Bank RuPay Select Card is specially designed for those who want something extra with every transaction and want to make their life easier and better.

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

Introduced by Punjab National Bank (PNB), Select Card is a premium credit card. Designed especially for those consumers seeking more perks along with their transactions, the Punjab National Bank RuPay Select Card entitles you to cashback on shopping, dining, travel, and other services, as well as unique incentives.

In addition, you get particular advantages from access to airport lounges and health and well-being programs. Connected to the RuPay network, the Punjab National Bank RuPay Select Card is safe and handy for use both in India and abroad.

What is the design of the PNB RuPay Select Card?

The Punjab National Bank RuPay Select Credit Card’s classy and modern look appeals to customers. Usually featuring a sleek black or dark background, it displays the PNB (Punjab National Bank) emblem on one side and the RuPay Select branding on the other. 

Frontward is the chip for safe transactions; card number, expiration date, and cardholder name are neatly stacked. Everywhere, the design exudes elegance and fits its great quality benefits.

What are the benefits of the PNB RuPay Select Card?

The main benefits consist of these:

1. Using the card, earn two reward points on every ₹150 spent. One may redeem these points for vacations, shopping, or other advantages.

2. Lounge Access: Travel is more pleasant when you have free access to several domestic and foreign airport lounges.

3. To maintain fit and relax your way of life, take advantage of health tests, gym memberships, and spa services discounts.

4. Get accidental insurance covering up to ₹10 lakh to offer financial security should an emergency strike.

5. Save money on fuel using a 1% fuel fee waiver at petrol stations around India for purchases between ₹400 and ₹4,000.

6. Get rewards on bill payments covering utilities, including energy, water, and cell phone recharges.

7. The card uses tap-and-pay technology, therefore quickening and protecting transactions.

What are the PNB RuPay Select Card fees?

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

Joining Fee	₹499 + GST (one-time fee when you get the card).
Annual Fee	₹499 = GST per year. This will be waived if you spend ₹50,000 or more in 90 days.
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 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 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 RuPay Select Card?

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

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

• With the Punjab National Bank 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 RuPay Select Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Punjab National Bank 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 RuPay Select Card?

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

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

• Request for the credit card application form for the Punjab National Bank 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 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 RuPay Select Card in 2025 be right?

Yes, getting a Punjab National Bank 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

The Punjab National Bank RuPay Select Card will be the best option for you if you wish to control your costs better as well as enjoy some other advantages. Along with the conveniences of cashless, safe transactions, the Punjab National Bank RuPay Select Card offers savings on shopping, travel, dining, and health services. 

Using the Punjab National Bank RuPay Select Card allows you to quickly make local and foreign purchases as well as use premium services such as airport lounges. The PNB RuPay Select Card is safe and handy given the demands of the Indian market since one is linked to the RuPay network. Apart from this, you also obtain advantages like free insurance coverage, which guarantees even more future security.

The Punjab National Bank RuPay Select Card is a premium and practical credit card overall that helps you to make wise financial decisions. The PNB RuPay Select Card not only enhances your way of living but also offers some other advantages in every purchase. If you wish to take use of the premium services.

Frequently Asked Questions (FAQs)