PNB RuPay Select Credit Card Review
The PNB RuPay Select is Punjab National Bank’s premium RuPay card. It combines reward points with the RuPay Select network package of lounge access, insurance and merchant offers.
PNB publishes fewer details than most issuers — visit counts, point values and fuel terms are not on its card page — so confirm the specifics with your branch before relying on them.
- Annual fee nil if used once a quarter
- Lounge access (domestic and international)
- Insurance and 24×7 concierge
- Cashback offers on utility bills and restaurants
- RuPay — works on UPI
- PNB does not publish lounge visit counts or point value
- Minimum joining fee of ₹500
- Limited detail on reward caps and exclusions
- RuPay acceptance abroad is narrower
- Fewer co-brand and partner offers than private-bank cards
Fees and charges
| Item | Detail |
|---|---|
| Joining fee | Minimum ₹500 (per PNB) |
| Annual fee | Nil if the card is used at least once each quarter |
| Interest and forex | See PNB’s schedule of charges |
Rewards: how the card earns
| Item | Detail |
|---|---|
| First use | 300+ bonus points |
| Retail purchases | 2X reward points |
| Network offers | Cashback on utility bills and restaurants under RuPay Select |
PNB does not state the base earn rate or rupee value per point on its card page; ask your branch or check the card’s terms.
Other benefits
| Benefit | Detail |
|---|---|
| Lounge access | Domestic and international (counts not published) |
| Insurance | Personal accident cover under the card and RuPay programme |
| Concierge | 24×7 |
| Offers | 300+ merchant offers and RuPay Select cashback |
Eligibility
Issuer
Punjab National Bank
Network
RuPay
Apply via
PNB branch or website
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: existing PNB customers who want a low-cost RuPay card with lounge access.
- Skip if: you want transparent, high rewards — private-bank cards publish clearer terms.
Alternatives worth comparing
- Canara Bank RuPay Select
- Best RuPay cards for UPI
- Cards with free domestic lounge access
- All card reviews
Final verdict
A cheap-to-hold RuPay card for PNB customers, mainly valuable for its lounge and insurance perks. Ask PNB for the full terms before you count on specific numbers.
Frequently asked questions
Does the PNB RuPay Select have an annual fee?
PNB says the annual fee is nil if the card is used at least once each quarter. A minimum ₹500 joining fee applies.
How many lounge visits do I get?
PNB lists domestic and international lounge access but does not publish counts; confirm with the bank.
How much are points worth?
PNB does not publish a rupee value per point on its card page.
Can I use it on UPI?
Yes, as a RuPay card it can be linked to UPI.
Who should get it?
Existing PNB customers who want a low-cost premium RuPay card.
Last verified: October 2026, against PNB’s RuPay Select card page. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.