PNB RuPay Select Card
Punjab National Bank
Same core benefits as RuPay Platinum, plus 2X retail points, for a modest one-time fee.
₹500
Joining fee
Free
Annual fee
Rs 750 + GST annual fee from year two, waived if the card is used at least once each quarter (joining fee Rs 500 + GST, first year only).
3.5%
Forex markup
4.0 / 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
Stable income source required, no figure (CardInsider); minimum annual income Rs 2,50,000, salaried/self-employed/business/professional (BankBazaar).
Open to Indian citizens or NRIs (BankBazaar)
Sources disagree: CardInsider: age 21-65 (supplementary 18-65), no income figure. BankBazaar: age 21-70 (add-on 18-70), income Rs 2,50,000+. Flagged, not resolved.
Lounge access
Domestic: 2 complimentary visits per quarter (CardInsider); BankBazaar corroborates complimentary access to the domestic and international lounge program without exact counts
International: 4 complimentary visits/year (CardInsider)
Key features
- 300+ welcome points
- 2X points on retail merchandise
- Same lounge/utility/dining benefits as RuPay Platinum, for a ₹500 one-time joining fee
Reward details
2 reward points per Rs 150 spent (CardInsider); BankBazaar separately describes accelerated reward points of 2x on retail merchandise
- Double rewards on Retail/online purchases, first 90 days
Welcome bonus: 300 reward points; double rewards for the first 90 days on merchandise/online purchases
Redemption
Redeemable against products, hotel bookings, mobile/DTH recharges.
Ratio: 1 point = Rs 0.25
- Cashback on utility bills and dining expenses (BankBazaar); 2% cash advance fee (min Rs 150-250 depending on ATM type); 2.95% monthly interest rate.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Premium lifestyle convenience with rewarding benefits, suited to frequent shoppers, travelers, and diners — BankBazaar
Sources
- Official (blocked when last checked) — unreachable (ROBOTS_DISALLOWED / DNS connect timeout)
- Aggregator — eligibility, lounge, rewards, sentiment
- Aggregator — eligibility, forex, lounge, other benefits, sentiment