PNB RuPay Select Credit Card
Annual Fee
₹1,000
Rewards/₹100 ⓘ
₹0.25 - ₹0.50
Interest Rate
35.40%
Credit Score
725+
At a Glance
Key Benefits
1-2 RP per Rs.100, Rs.5L insurance, lounge access, UPI credit line, NCMC support
Lounge Access
3 domestic + 2 international lounge visits per quarter (12+8 per year)
Eligibility
Age: 21-65 years, Annual income: Rs.5 lakh+, CIBIL: 725+
Quick Details
Reward Structure
All Spends
Dining
Reward Calculator
Milestone Benefits
500 welcome bonus reward points on first transaction within 30 days
value
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
₹5,00,000
Accidental death or permanent disability coverage
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
UPI credit line - link to UPI apps for seamless payments
Other
1
NCMC functionality for metro, bus and transit payments
Quick Analysis
PNB RuPay Select is a solid premium RuPay card offering good lounge access and UPI credit line support. Best for domestic travelers and those who prefer RuPay ecosystem benefits.
Pros
- 3 domestic + 2 international lounge visits per quarter
- 500 welcome bonus reward points on first transaction
- 1-2 reward points per Rs.100 spent
- Rs.5 lakh accidental insurance coverage
- RuPay network with UPI credit line support
- 1% fuel surcharge waiver (up to Rs.300/month)
- 24x7 concierge services
- Annual fee waiver on Rs.1.5L spend
- NCMC functionality for metro and transit
Cons
- Rs.1,000 annual fee (higher than basic cards)
- Fee waiver requires Rs.1.5 lakh annual spend
- Basic reward rate of 0.25-0.50%
- 3.5% forex markup
- High APR of 35.4% per annum
- Limited acceptance compared to Visa/Mastercard internationally
Best For
Domestic travelers, UPI users, lounge access seekers
Not Ideal For
International travelers, premium lifestyle seekers
Frequently Asked Questions
What are the fees for PNB RuPay Select?
What lounge access does this card offer?
Can I use this card with UPI?
What is NCMC functionality?
What insurance does this card provide?
User Reviews
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