PNB Patanjali RuPay Select Credit Card Review: The Key to Shop and Save for Patanjali Shoppers

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.

5 Mar 26
4 mins

Sandipan Mitra

08 Mins
05-03-26

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Table of Contents

What are the Top Features of the PNB Patanjali RuPay Select Credit Card?
How to Apply for the PNB Patanjali RuPay Select Credit Card?
Who is Eligible to Apply for the PNB Patanjali RuPay Select Credit Card?
What are the PNB Patanjali RuPay Select Credit Card Charges?

2X reward points on all retail merchandise.
2% cashback on all Patanjali expenses of ₹500 and more.
5% to 7% additional cashback to Patanjali Swadeshi Samridhi Cardholders.

Are you a Patanjali loyalist? Then, the PNB Patanjali RuPay Select credit card will be a valuable addition to your credit card portfolio. Designed especially for regular shoppers of Patanjali Ayurved products, this card offers instant cashback, double reward points, and exclusive merchant benefits.

Let us explore its features, charges, eligibility, and application process in detail.

What are the Top Features of the PNB Patanjali RuPay Select Credit Card?

The PNB Patanjali RuPay credit card rewards every retail transaction with 2X reward points. Users can earn up to 300 reward points on their first usage.

Additionally, the card also has the following features:

Lounge Access: Get complimentary PNB Patanjali RuPay Select credit card lounge access to eligible domestic and international lounges.
Maximum Protection: Stay safe with its comprehensive insurance protection.
Instant Cashback: Get 2% cashback, capped at ₹50 per transaction, on every Patanjali purchase.
Wallet Recharge: Swadeshi Samridhi Cardholders can enjoy 5% to 7% additional cashback during recharge. This makes it even more rewarding for loyal customers.

Note:

The instant cashback of 2% may change, depending on the amount spent. For example:

For ₹500 to ₹1,000, the cashback will be 2% or ₹20 (whichever is lower).
For ₹1,001 to ₹2,000, the cashback will be 2% or ₹40 (whichever is lower).
For spends above ₹2,000, you will receive 2% or ₹50 cashback (whichever is lower).

How to Apply for the PNB Patanjali RuPay Select Credit Card?

There are various options to apply to the PNB Patanjali RuPay Select Credit Card. Here is how you can apply for this credit card:

Online: Visit the Punjab National Bank Cards & Services to apply.
Mobile App: Use using the PNB One or PNB Genie mobile banking applications.
Missed Call: Give a missed call to 1800-180-5555 from your registered mobile number.
SMS: Text ‘PNBPROD’ to 5607040 or ‘INSTA Y’ to 7092200200 to begin the application process.
Customer Care: Call 1800-180-2222, 1800-103-2222, or 0120-2490000 for assistance.

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Who is Eligible to Apply for the PNB Patanjali RuPay Select Credit Card?

Individuals who meet the following criteria can apply for the PNB Patanjali RuPay Select credit card:

Age: 21 to 65 years
Income: a minimum of ₹500,000 annually

Documents like PAN card, Aadhaar card, Voter ID, or driving licence are required as identity and address proof. Also, submit the latest copies of salary slips and ITRs as income proof.

What are the PNB Patanjali RuPay Select Credit Card Charges?

The PNB Patanjali RuPay Select credit card has a joining fee of ₹500. The annual fee of the card is not optional if it is used at least once every quarter. Other charges include:

Type	Amount
Finance Charges	2.95% per month (35.89% yearly) 1.5% per month for cards against FD (19.56% yearly)
Cash Advance Charges	2% or min. ₹150 (for domestic PNB ATMs) 2% or min. ₹200 (for domestic other ATMs) 2% or min. ₹300 (for overseas ATMs)
Late Payment Fee	Less than ₹1,000: NIL ₹1,001 - ₹5,000: ₹500 ₹5,001 - ₹10,000: ₹600 Above ₹10,000: ₹750

💡Take control of your credit card bills by linking all your cards in one place, setting smart reminders, and ensuring every payment is completed before the due date with PICE.

Footnote

The PNB Patanjali RuPay Select credit card attracts a card replacement fee of ₹200.

FAQs

What is the PNB Patanjali RuPay Select credit card limit?

The credit limit typically ranges between ₹50,000 and ₹10,00,000. The final limit depends on your income, credit score, repayment history, and overall credit profile.