PNB RuPay Select Credit Card Review
The PNB RuPay Select is a feature-rich RuPay card from Punjab National Bank, pairing lounge access and insurance cover with UPI linkage and an easily-waived fee. Here is the verified review.
- 2 domestic lounge visits/quarter + 4 international/year
- ₹10 lakh accident/disability cover
- Annual fee waived on one retail transaction a quarter
- 300 bonus points welcome; accelerated first 90 days
- UPI-linkable (RuPay); concierge service
- Modest 2 RP/₹150 base rate
- Reward value depends on redemption
- Fuel waiver capped ₹250/cycle
- RuPay acceptance limited abroad
- Reward caps may apply
Fees & benefits
| Item | Detail |
|---|---|
| Joining fee | ₹500 (300 bonus RP welcome) |
| Annual fee | ₹750 (waived on 1 retail txn/quarter) |
| Rewards | 2 RP per ₹150 (accelerated first 90 days) |
| Lounge | 2 domestic/quarter + 4 international/year |
| Insurance | ₹10 lakh accident/total-disability cover |
| Fuel surcharge waiver | 1% (₹500–₹3,000, cap ₹250/cycle) |
Eligibility & documents
Age
21 to 60 years
Income
Per PNB norms
Recommended CIBIL
~730+
Network
RuPay (UPI-linkable)
Best for
Value seekers wanting lounges cheaply
Documents
PAN, Aadhaar, income & address proof
Who this card is for
- Best fit: users who want lounge access and insurance cover at a low, easily-waived fee, with UPI linkage.
- Skip if: you want a high reward rate or wide international acceptance.
How to apply & how to cancel
Apply: via pnbindia.in / PNB cards. Cancel: call PNB cards customer care after clearing dues; redeem points first.
Final verdict
The PNB RuPay Select packs strong perks for its price — quarterly domestic and annual international lounge visits, a ₹10 lakh accident cover, concierge and UPI linkage, with the fee waived on token quarterly use. The base reward rate is modest, so value it for the lounges and cover rather than points.
Frequently asked questions
What is the fee?
₹500 joining and ₹750 annual — the annual fee is waived on at least one retail transaction every quarter.
How much lounge access?
2 domestic lounge visits a quarter plus 4 international visits a year.
Is there insurance cover?
Yes — ₹10 lakh against accidental death or total personal disability.
Can I link it to UPI?
Yes — being a RuPay card, it links to UPI for scan-and-pay.
Data current as of June 2026, cross-checked against PNB and aggregators. Confirm current terms on pnbindia.in before applying.