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Please Note: Punjab National Bank is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only.
The PNB Rupay Select credit card is offered by Punjab National Bank and is designed for the general public that wants a low cost credit card. The card offers all the services that are expected from a credit card along with rewards and offers. Additional details are given below.
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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:
| Bad For:
|
| 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:
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.
