Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
Get instant access to loans, credit cards, and financial tools — all in one place
Scan to download on
Personal Loan
Business Loan
Home Loan
Other Loans
50+ Credit Cards from Top Banks
Compare Best Offers
Completely Digital Process
Exclusive Pre-Approved Cards waiting for you
50+ Credit Cards from Top Banks
Compare Best Offers
Completely Digital Process
Error: Please enter a valid number
Punjab National Bank offers a wide range of RuPay Credit Cards that are suitable for consumers who are seeking a card for their daily convenience and with reward benefits. PNB RuPay cards are UPI-enabled cards that can be linked to UPI platforms such as Google Pay, PhonePe, and Paytm, and allow consumers to make secure UPI payments while earning benefits on such transactions. In addition, cardholders can earn reward points/cashback, lifestyle privileges, lounge access, and other benefits via these cards. Below is the list of best PNB RuPay Credit Cards along with their features, benefits, fees, and charges.
| Credit Card | Annual Fee | Key Feature |
| PNB LUXURA RuPay Metal Credit Card | Rs. 7,500 + Taxes | 12 reward points per Rs. 100 spent on travel and dining |
| PNB SALARY RuPay Select Credit Card | N/A | 8 free domestic and 2 international airport lounge visits per year |
| PNB RuPay Select Card | Rs. 500 + Taxes (Nil if the card is used once per quarter) | 2X reward points on all retail merchandise |
| PNB RuPay Millennial Card | Rs. 399 + Taxes | Domestic and international airport lounge visits |
| PNB Rakshak RuPay Select Card | Nil (If card is used once per quarter) | Domestic and international airport lounge visits |
Below are some of the features, benefits, and fees of the best PNB RuPay Credit Cards
PNB LUXURA RuPay Metal Credit Card is one of the popular all-rounder cards offered by PNB. It offers 40,000 welcome points on Rs. 50,000 spent within 90 days, 12 points per Rs. 100 on travel and dining, and 4 points per Rs. 100 on other spends. It is ideal for frequent travellers and users seeking luxury benefits with strong rewards.
Annual Fee: Rs. 7,500 + Taxes
Key Features:
PNB SALARY RuPay Select Credit Card is an all-around card offered by Punjab National Bank. This card offers shopping, OTT, wellness, Grocery and lounge access benefits, making it a suitable choice for the salaried consumers who are looking for a card for their everyday savings, travel benefits and health perks.
Annual Fee: N/A
Key Features:
PNB RuPay Select Card is an entry-level to mid-range credit card offering 300+ reward points on first use, 2X reward points on retail spends, airport lounge access, and cashback on select categories. This card is suitable for everyday spenders and travellers looking for basic rewards and lounge benefits.
Annual Fee: Rs. 500 + Taxes (Nil if the card is used once per quarter)
Key Features:
PNB RuPay Millennial Card comes with a joining and annual fee of Rs. 399 + taxes. This card offers complimentary domestic and international airport lounge visits, and free golf and spa sessions, which makes it a decent choice for consumers who travel frequently.
Annual Fee: Rs. 399 + Taxes
Key Features:
PNB Rakshak RuPay Select Card comes with no joining or annual fee if it is used at least once per quarter. This card offers more than 300 reward points on first use, 2X reward points on all retail purchases, complimentary domestic and international airport lounge visits. This card is a suitable choice for consumers who frequently spend on retail, utilities and dining.
Annual Fee: Nil (If card is used once per quarter)
Key Features:
[/vc_column_text]
| Credit Card | Annual Fee | Benefits |
| PNB RuPay Platinum Card
|
N/A |
|
| PNB SALARY RuPay Platinum Card | N/A |
|
| PNB Patanjali RuPay Platinum Card | Nil (If card is used once per quarter) |
|
| PNB Patanjali RuPay Select Card | Nil ( If card is used once per quarter) |
|
PNB Rakshak RuPay Platinum Card |
Nil (If the card is used once per quarter) |
|
| Credit Cards | Amount |
| Joining Fee / Annual Fee | Varies from card to card |
| Finance Charges | 2.95 % p.m. (35.89% p.a.) |
| Late Payment Fee | On outstanding balance of –
|
The eligibility requirements for PNB RuPay Credit Cards can differ based on the specific card variant and the bank’s internal guidelines. Moreover, the following are some general criteria that usually apply to most PNB RuPay Credit Cards:
What is the PNB LUXURA RuPay Metal Credit Card?
PNB LUXURA RuPay Credit Card is one of the most premium credit cards that offers 40,000 welcome points on Rs. 50,000 spent within the first 3 months. Additionally, this card also offers 12 points per Rs. 100 spent on travel/ dining and 4 points per Rs. 100 on other spends.
What are the fees for PNB RuPay Credit Cards?
PNB RuPay Credit Cards come with different joining and annual fees depending on the card type. For example, PNB LUXURA Metal Card charges Rs. 9,000 + taxes as joining and Rs. 7,500 + taxes annually; however, credit cards like PNB RuPay Platinum Card, and PNB Rakshak RuPay Select Card come with zero annual and joining fee if the card is used once per quarter.
What lifestyle benefits do PNB RuPay Credit Cards offer?
PNB RuPay Credit Cards offer lifestyle privileges, including complimentary breakfasts, hotel room upgrades, ITC hotel/dining/spa offers, domestic and international airport lounge visits, golf rounds, spa sessions, movie discounts, and milestone reward points, depending on the specific card variant.
Who is eligible for a PNB RuPay Credit Card?
Applicants must be resident Indians aged 18 or above. Both salaried and self-employed individuals can apply. Eligibility may vary depending on the specific card variant and PNB’s internal criteria.
How can I apply for a PNB RuPay Credit Card?
Applications can be submitted online throughPNB’s official website. After filing personal details, verifying your mobile number, and selecting a preferred card, submit the form for review. Approved applications typically receive the card within 7–10 working days. Branch applications are also available for direct submission.