PNB Rupay Select Credit Card

The features and Benefits of the card are:

Annual Fee Waiver – Get annual fee waiver on using the card at least once in each quarter of the previous year.

Reward Points – Get 300+ reward points on using the card for the first time. Get 2x reward points on retail purchases.

Lounge Access – Get lounge access when travelling domestically or internationally.

Cashback Offer – Earn cash back on utility bills, eateries and restaurant bills payment.

Insurance Offers – Avail insurance coverage via PNB Rupay Select credit card.

Concierge Service – Avail concierge service to make travel bookings, hotel bookings or gift.

Mobile App – Use ‘PNB GENIE’ App to pay bills, set standing instructions and other transactions.

Merchant Offers – Cardholders can avail discounts and other offers at over 300 merchants.

PNB Rupay Select Credit Card
Good For: People who want to earn cash back Customers who want to earn reward points People who want lounge access	Bad For: Customers who want to earn air miles Customers who want low foreign currency mark up fee Customers who want extensive offers on their credit card

Fees/Charges	Amount
Joining Fee	Rs. 500
Annual Fee	Rs. 750
Add-on Card Fee	Nil
Finance Charges	2.95% per month/35.89% per annum
Cash Advance Charges	PNB ATM – 2% of amount/Min. Rs. 150 Other ATMs – 2% of amount/ Min. Rs. 200 Overseas – 2% of amount/ Min. Rs. 300
Late Payment Fees	Nil – Amount less than Rs. 100 Rs.200 – Amount between Rs. 101 and Rs. 1,000 Rs. 500 – Amount between Rs. 1,001 and Rs. 5,000 Rs. 600 – Amount between Rs. 5,001 and Rs. 10,000 Rs. 750 – Amount over Rs. 10,001
Charges on Over Limit Account	2.5% of the amount/Min. Rs. 500
Payment dishonour Fee	Rs. 200 per instrument
Card Replacement Fee	Rs. 200
Foreign Currency Transaction Fee	3.50% of the amount
GST	18% of the fees and charges

The eligibility criteria for PNB Rupay Select Credit Card:

• Salaried applicants must be between the ages of 21 and 60 years
• Self-employed customers should be between 21 and 65 years of age

PAN card, Aadhaar card, Form-60 along with other documents need to be submitted to establish proofs of identity, address and income.

This credit card is currently not being provided on Paisabazaar’s platform. Those who wish to apply for the card can either visit the official website of PNB or can apply by visiting the nearest branch.

What is the interest free period?
The interest free period is the amount the time period during which the customer is not charged an interest rate on the outstanding balance. For PNB Rupay Select Credit Card the grace period ranges from 20 to 50 days.

What is the annual fee for PNB Rupay Select Credit Card?
The annual fee on this credit card is Rs. 500 which will be waived if customer uses their credit card every quarter in the previous year.

What offers and benefits does this card offer?
Punjab National Bank regularly updates its offers on credit cards. Currently customers can avail discounts on movie ticket bookings made via BookMyShow.

Who can avail PNB Rupay Select Credit Card?
Indian citizens who are between 21 and 65 years of age with a steady source of income can apply for this credit card.

Does PNB Rupay Select Credit Card offer concierge service?
Yes, this card does offer concierge services to the user.