PNB Rakshak Plus RuPay Select
Annual Fee
₹1,000
Rewards/₹100 ⓘ
₹0.25 - ₹0.50
Interest Rate
35.40%
Credit Score
700+
At a Glance
Key Benefits
Rs.10L insurance, 1-2 RP per Rs.100, lounge access, 24x7 concierge, priority care
Lounge Access
3 domestic + 2 international lounge visits per quarter
Eligibility
Defense personnel only, Age: 21-65, Income: Rs.4 lakh+, CIBIL: 700+
Quick Details
Reward Structure
All Spends
CSD/Canteen Stores
Reward Calculator
Milestone Benefits
Annual fee waiver on spending Rs.1.5 lakh in previous year
Spend ₹1,50,000 within 365 days
value
Airport Lounge Access
visits per quarter
Via Dreamfolks/RuPay lounge program
visits per quarter
Via RuPay international lounge program
Insurance Coverage
Accident
₹10,00,000
Enhanced accidental death/disability cover for defense personnel
Lost Card
₹1,00,000
Lost card liability protection
Lifestyle Perks
Fuel
1 /month
1% fuel surcharge waiver on Rs.500-Rs.4,000 transactions (max Rs.300/month)
Concierge
24x7 concierge services for travel and lifestyle assistance
Other
1
Priority customer care for defense personnel
Other
1
UPI credit line - link to UPI apps for seamless payments
Quick Analysis
PNB Rakshak Plus RuPay Select is designed specifically for India's defense forces, offering enhanced insurance, lounge access, and priority services. An excellent choice for armed forces personnel seeking premium card benefits.
Pros
- Exclusive card for defense personnel and armed forces
- 3 domestic + 2 international lounge visits per quarter
- Rs.10 lakh accidental insurance (enhanced for defense)
- 1-2 reward points per Rs.100 spent
- 24x7 concierge and priority customer care
- 1% fuel surcharge waiver (up to Rs.300/month)
- UPI credit line and NCMC functionality
- Annual fee waiver on Rs.1.5L spend
- Special benefits at CSD/canteen stores
Cons
- Limited to defense personnel only
- Rs.1,000 annual fee
- Fee waiver requires Rs.1.5 lakh annual spend
- 3.5% forex markup
- High APR of 35.4% per annum
- Basic reward rate
- Limited acceptance compared to Visa/Mastercard internationally
Best For
Defense personnel, armed forces members, veterans
Not Ideal For
Civilians (not eligible), international travelers
Frequently Asked Questions
Who is eligible for PNB Rakshak Plus?
What are the fees?
What insurance is provided?
What lounge access does this offer?
Are there special benefits at CSD stores?
User Reviews
Ready to Apply for PNB Rakshak Plus RuPay Select?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.
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