PNB Rupay Select Credit Card for Travel and Shopping

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

27 Feb 26
5 mins

Sandipan Mitra

08 Mins
27-02-26

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Table of Contents

PNB RuPay Select Credit Card Benefits
Reward Points Redemption and Balance Check
PNB RuPay Select Credit Card EMI Details
PNB Rupay Select Credit Card Charges

Annual fee is ₹750 with a waiver option.
Earn 2 reward points per ₹150 spent.
Get 300 bonus points on first usage.
Lounge access includes domestic and international visits.
EMI tenure ranges from 3 to 36 months.

The PNB RuPay Select Credit Card offers premium benefits at an annual fee of ₹750. It enhances your travel with complimentary access to airport lounges across India. Cardholders also receive insurance cover, a fuel surcharge waiver, and an annual fee waiver on eligible spends.

Designed for shoppers, travellers, and dining enthusiasts, this card delivers reward points and lifestyle perks. You also get 24/7 concierge assistance and access to 300+ merchant offers.

PNB RuPay Select Credit Card Benefits

This card provides 300+ reward points on first usage and 2 reward points for every ₹150 spent on retail purchases. The other privileges offered on this card are:

PNB Rupay Select Credit Card lounge access includes complimentary domestic and international lounge visits.
Receive exclusive cashback on utilities, dining, and restaurants.
Benefit from comprehensive insurance protection.
Get an interest-free period of 20 to 50 days.
Manage your card easily through the PNB GENIE mobile app.

Reward Points Redemption and Balance Check

You can redeem points through the PNB Rewardz portal. Also, you can choose from movie tickets, hotel bookings, mobile or DTH recharge, merchandise, and e-vouchers. You may also convert points into cashback in your credit card account.

Each reward point holds a value of ₹0.50. This means 1000 points equal ₹500 in shopping or cashback value. Points remain valid for 3 years from the date they are earned.

You can also download the redemption form and submit it through your registered email or send it to the designated address.

How to Check Reward Point Balance?

You may also access your PNB Rewardz account or contact customer care between 10:00 AM and 6:00 PM on working days to check your reward points.

However, you do not need to track credit card bill payment dates manually. Use the Pice app to link multiple cards, set reminders, and pay bills directly through the app with ease.

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PNB RuPay Select Credit Card EMI Details

You can convert large purchases into easy monthly payments using the RuPay Select PNB Credit Card. The request for conversion must be placed within 30 days of purchase or before the due date.

The repayment option includes periods of 3, 6, 9, 12, 18, 24, and 36 months.

Processing Fees

EMI plan fee is 2% of the transaction amount, minimum ₹200.
Instant EMI fee is 2% with a minimum of ₹100.

Finance Charges

Regular EMI carries 18% per annum or 1.5% per month.
Instant EMI rates are 12% per annum for 3, 6, 9, and 12 months.
For 18 and 24 months, the rate is 14% per annum.

Important Points to Note

The 36-month option applies only to transactions of ₹30,000 or more.
Only retail and online purchases qualify. Cash withdrawals, fuel, gold, jewellery, and charges are not eligible.

PNB Rupay Select Credit Card Charges

The finance charge levied on the PNB Rupay Select Credit Card is 2.95% monthly or 35.89% annually.

Below is the list of other important charges levied on this card.

Parameter	Charges
Joining Fee	₹500
Cash Advance Charges for Platinum Cards	2% or min. ₹150 (for PNB ATMs) 2% or min. ₹200 (for other ATMs) 2% or min. ₹300 (for overseas ATMs)
Overlimit Charges	2.5% or min. ₹500
Card Replacement Fee	₹200
Cheque Dishonour Fee	₹200
Foreign Currency Transaction	3.50%
Cash Advance Limit	20% of credit limit
Late Payment Fee	Less than ₹1000: NIL From ₹1001 - above ₹10,000, it ranges between ₹500 - ₹750.

💡Are late payment charges messing up your budget? Install the Pice app and receive monthly alerts and never miss your credit card bill payment dates again.

Footnotes

The ₹750 annual fee is waived if you use the card once every quarter in the previous year.
Get 300 reward points on your first retail or online purchase within 90 days of card issuance.
A minimum of 1000 reward points is required to redeem rewards for products or services.

FAQs

What are the eligibility criteria to apply for the PNB Rupay Select Card?

To apply for this card, applicants must be between 21 and 70 years old. Minimum income required is ₹5 lacs per annum.

Which documents are required for the application?

You need valid identity proof and address proof. Submit income proof along with your PAN card to complete the credit card application process.

How many add-on cards are allowed?

A primary cardholder can request up to 2 add-on cards. These can be issued to a spouse, parents, or an unmarried major son or daughter aged 18 to 70 years.

What are the card and contactless limits?

The credit card limit ranges from ₹50,000 to ₹10,00,000 based on approval. For contactless payments without PIN entry, the maximum allowed per transaction is ₹5,000.