PNB Patanjali RuPay Select Card
Punjab National Bank
A niche pick specifically for regular Patanjali shoppers, with standard Select-tier lounge/retail benefits layered on.
₹500
Joining fee
Free
Annual fee
Annual fee Nil if used once in a quarter (Paisabazaar); CardInsider states a Rs 750 base annual fee with the same quarterly-usage waiver condition — minor discrepancy on the base amount.
3.5%
Forex markup
3.9 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried or self-employed (Paisabazaar); minimum income above Rs 5,00,000/year per CardInsider.
Sources disagree: Same age/income discrepancy pattern as the Platinum variant — CardInsider states 21-65 & Rs 5L+ income vs Paisabazaar's 18-60 & no income figure.
Lounge access
Domestic: 2 complimentary visits per quarter (8/year) per CardInsider; Paisabazaar confirms domestic and international lounge access every year, explicitly noting this benefit is absent from the Platinum variant
International: confirmed available per Paisabazaar; CardInsider states none — minor discrepancy on the international component specifically
Key features
- 2% cashback at Patanjali stores on spends over ₹2,500 (cap ₹50/transaction)
- 2X points on retail
- 300+ welcome points
- Lounge access included
Reward details
2 reward points per Rs 150 spent (CardInsider); Paisabazaar frames this as '2X rewards points on retail merchandise'
- 2% cashback on Patanjali purchases above Rs 2,500 — Rs 50/transaction
- Additional 5-7% cashback (Paisabazaar) on Patanjali Swadeshi Samridhi Card customers
Welcome bonus: 300 points plus a 2x earning multiplier for the first 90 days
Redemption
Ratio: 1 point = Rs 0.50 (CardInsider)
- 1% fuel surcharge waiver capped at Rs 350/billing cycle; cash advance charge 2% (min Rs 150-300 depending on ATM type).
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Very advantageous for those who are Patanjali loyal customers, can become lifetime free after the first year with quarterly usage — CardInsider
Complaints
- 2.5/5 rating suggests limited appeal beyond Patanjali loyalists — Paisabazaar
Sources
- Official (blocked when last checked) — unreachable (ROBOTS_DISALLOWED / DNS connect timeout)
- Aggregator — fees, eligibility, lounge, rewards
- Aggregator — lounge, rewards, sentiment