PNB RuPay Credit Card: Features, Fees, Eligibility & More

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. 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.

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Best PNB RuPay Credit Cards

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

Features and Benefits of PNB RuPay Credit Cards

Below are some of the features, benefits, and fees of the best PNB RuPay Credit Cards

1 . PNB LUXURA RuPay Metal Credit Card

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 consumers seeking luxury benefits with strong rewards.

Annual Fee : Rs. 7,500 + Taxes

Key Features:

12 reward points per Rs. 100 spent on travel and dining
4 reward points per Rs. 100 spent
40,000 reward points on spending Rs. 50,000 within the first 90 days
Complimentary HoteLux Membership
Up to 8 domestic lounge visits per year, max, 2 per quarter
4 international lounge visits per year
Buy 1 Get 1 offer on movie tickets
2+1 complimentary night offer on ITC premium hotels (excluding Fortune)
1+1 dining with a set menu at Signature ITC restaurants
1+1 spa session (60 minutes) for resident ITC consumers
Buy 1 get up to Rs. 500 off on 2nd movie ticket on BookMyShow or similar platforms once p.m.
10,000 reward point on Rs. 5 lakh annual spends as milestone benefits
4 free golf rounds/lessons annually, max. 1 per quarter

2. PNB SALARY RuPay Select Credit Card

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:

Rs. 250 discount voucher for Myntra, once per quarter
Rs. 100 discount voucher for Ola/ Uber once per quarter
Free SPA services at Tattva, Four Fountains, HR Wellness per year
Rs. 250 discount voucher or Bigbasket/ Blinkit, once per quarter
3 months membership of Swiggy One, per year
12-month pack of Gaana Plus, annually
Free health check-up yearly
Free membership of Zee5/ SonyLiv, per year
8 free domestic and 2 international airport lounge visits per year
20% off on Netmeds on a minimum order of Rs. 999, once per quarter
Up to Rs. 2 Lakh on Personal Accident Insurance & Permanent Disability Cover
2 reward points on every Rs. 150 spent

3. PNB RuPay Select Card

PNB RuPay Select Card is an entry-level 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:

More than 300 reward points on first usage
2X reward points on all retail merchandise
Complimentary domestic and international airport lounge visits
Cashback on utility bills, eateries, restaurants etc
24×7 concierge services
Exclusive offers at over 300 merchants

4. PNB RuPay Millennial Card

PNB RuPay Millennial Card comes with a joining and annual fee of Rs. 399 plus 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:

Up to Rs. 10 Lakh insurance coverage
Domestic and international airport lounge visits
Free golf and spa sessions
Up to 300 reward points on card activation
Complimentary health check-up package
Free gym membership

5. PNB Rakshak RuPay Select Card

PNB Rakshak RuPay Select Card comes with no joining and 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:

More than 300 reward points on first usage
2X reward points on all retail merchandise
Free domestic and international airport lounge visits
Cashback on utility bills, eateries, restaurants, etc.
24×7 concierge services
Exclusive 300+ merchant offers

Other PNB RuPay Credit Cards

Credit Card	Annual Fee	Benefits
PNB RuPay Platinum Card	N/A	Cashback on utility bills, eateries, and restaurants Complimentary domestic and international airport lounge visits
PNB SALARY RuPay Platinum Card	N/A	4 complimentary domestic and 1 international airport lounge visits yearly 1 reward point for every Rs. 100 spent
PNB Patanjali RuPay Platinum Card	Nil (If card is used once per quarter)	2% cashback for all transactions above Rs. 2,500 at Patanjali stores Up to 7% cashback on Patanjali Ayurved Ltd. to Patanjali Swadeshi Samridhi Card customers on recharge
PNB Patanjali RuPay Select Card	Nil ( If card is used once per quarter)	Up to 2% cashback for all transactions above Rs. 2,500 at Patanjali stores Up to 7% cashback on Patanjali Ayurved Ltd. to Patanjali Swadeshi Samridhi Card customers on recharge
PNB Rakshak RuPay Platinum Card	Nil (If the card is used once per quarter)	More than 300 reward points on first usage Cashback on utility bills, eateries, and restaurants, etc

Fees and Charges of PNB RuPay Credit Cards

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 - Up to Rs. 1,000: Nil Between Rs. 1,001 and Rs. 5,000: Rs. 500 Between Rs. 5,001 and Rs. 10,000: Rs. 600 More than Rs. 10,000 Rs. 750

Eligibility Criteria for PNB RuPay Credit Cards

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:

Age: Above 18 years
Status: Resident Indian
Occupation: Salaried or Self-employed

How to Apply for PNB RuPay Credit Cards

Visit the official PNB Credit Card website
Select the PNB RuPay Credit Card you want
Click on “Apply Now” for the RuPay Credit Card
Fill in your personal, contact, and income details
Upload the required documents and submit the application

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

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.