PNB Patanjali RuPay Credit Card Review (Select & Platinum)
The PNB Patanjali RuPay Credit Cards are co-branded with Patanjali, aimed at shoppers loyal to the brand and to swadeshi products. They come in two tiers — Platinum (entry) and Select (with lounge access) — both on RuPay, so they’re UPI-linkable. Here is the verified review.
- 2% cashback at Patanjali stores
- Rewards worth ₹0.25/pt spends
- Lounge access on both — 2 domestic a quarter + 2 international a year
- Fees easily waived with quarterly use
- RuPay = UPI-linkable; accidental insurance cover
- Extra 5–7% on recharges for Swadeshi Samridhi holders (Select)
- Patanjali cashback capped ₹50/transaction
- Best value tied to Patanjali shopping
- Modest general reward rate
- Select carries a ₹750 annual fee if not waived
- RuPay acceptance limited abroad
Select vs Platinum
| Feature | RuPay Platinum | RuPay Select |
|---|---|---|
| Joining fee | Nil (effectively) | ₹500 |
| Annual fee | ₹500 (waived on quarterly use) | ₹750 (waived on quarterly use) |
| Patanjali stores | 2% cashback (>₹2,500, max ₹50/txn) | 2% cashback (>₹2,500, max ₹50/txn) |
| Retail rewards | 2X reward points | 2X reward points |
| Lounge access | Limited / none | Domestic + international |
| Extras | Merchant offers | Accidental insurance; 5–7% recharge bonus (Swadeshi Samridhi) |
Eligibility & documents
Network
RuPay (UPI-linkable)
Credit limit
Set by PNB; minimum income ₹5 lakh (Select) / ₹2.5 lakh (Platinum)
Recommended CIBIL
~720+
Welcome
300+ reward points on first use
Best for
Patanjali / swadeshi shoppers
Documents
PAN, Aadhaar, income & address proof
Rewards & the real value
For Patanjali loyalists, the 2% cashback at Patanjali stores (on bills above ₹2,500) and the reward points (worth ₹0.25 each) add modest value, and being on RuPay you can link the card to UPI for scan-and-pay. The Select tier earns its fee back if you use the lounge access; the Platinum tier’s ₹500 fee is waived with quarterly use and it also lists lounge access. Outside the Patanjali ecosystem the rewards are ordinary, so it’s best as a brand-loyalty card rather than a primary earner.
Who this card is for
- Best fit: regular Patanjali shoppers who want cashback on those purchases (Select if you want golf, spa and higher accident cover).
- Skip if: you don’t shop at Patanjali or want a high flat-rate everyday card.
How to apply & how to cancel
Apply: via creditcard.pnb.bank.in or PNB branches. Cancel: call PNB cards customer care after clearing dues; redeem points first.
Final verdict
The PNB Patanjali RuPay cards are niche but sensible for Patanjali shoppers — 2% at Patanjali stores, reward points worth ₹0.25 each, UPI linkage, lounge access on both, and (on Select) golf, spa and ₹10 lakh cover, with fees that waive on light use. As a general card the rewards are modest; pick Platinum for a near-free brand card or Select if the golf, spa and higher accident cover suit you.
Frequently asked questions
What’s the difference between Select and Platinum?
Select (₹500 joining/₹750 annual, waivable) adds golf, spa, gym and health-check perks and ₹10 lakh accident cover; Platinum has no joining fee and a ₹500 annual fee waived with quarterly use; both list lounge access.
How much cashback at Patanjali stores?
2% on transactions above ₹2,500, capped at ₹50 per transaction.
Can I link it to UPI?
Yes — both are RuPay cards and can be linked to UPI for scan-and-pay.
What’s the credit limit?
PNB sets the limit based on your income and profile; minimum income is ₹5 lakh a year for Select and ₹2.5 lakh for Platinum.
Data current as of October 2026, cross-checked against PNB official information. Confirm current terms on pnb.bank.in before applying.