PNB Rakshak Rupay Select Credit Card Crafted for Defence Members

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

5 Mar 26
3 mins

Shreyansh Singh

08 Mins
05-03-26

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Table of Contents

PNB Rakshak Rupay Select Credit Card Benefits
PNB Rakshak Rupay Select Credit Card Charges
Methods to Apply for a PNB Credit Card

Zero joining fee with quarterly usage benefit.
Earn 2X reward points per ₹150 spent.
Get 300 bonus points on the first transaction.
Finance charge stands at 2.95% per month.

PNB introduced the PNB Rakshak Rupay Select Credit Card to honour defence personnel. The card comes under the Rakshak Plus Scheme for serving members, veterans, and trainees. You can choose between RuPay Platinum and select variants.

There is no joining fee. You can also reverse the ₹750 annual fee by using the card at least once every quarter. On first use, you receive 300 bonus reward points.

Continue reading to explore its key benefits, features, and charges in detail.

PNB Rakshak Rupay Select Credit Card Benefits

The card offers value on daily spending and travel needs. Other than the welcome bonus points, you also earn 2X reward points for every ₹150 spent on retail purchases.

The other benefits are:

Lounge Access: Enjoy complimentary domestic and international PNB Rakshak Rupay Select Credit Card lounge access.
Cashback Offers: Exclusive cashback on utility bills, eateries, and restaurant expenses.
Insurance Cover: Get comprehensive insurance coverage for added security.
Concierge Support: 24/7 concierge support for travelling and lifestyle.
Merchant Deals: Get up to 300 merchant deals in different categories.

PNB Rakshak Rupay Select Credit Card Charges

Before you review the detailed schedule of charges, note that finance charges apply at 2.95% per month, which equals 35.89% annually.

The table below provides a complete view of all applicable fees and interest rates on this card:

Parameter	Charges
Cash Advance Charges for Select 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 Markup	3.50%
Late Payment Fee	Less than ₹1000: NIL From ₹1001 - above ₹10,000, it ranges between ₹500 - ₹750.

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Methods to Apply for a PNB Credit Card

You can complete the PNB Rakshak Rupay Select Credit Card application online through digital channels:

Visit the official website or use internet banking.
Apply through the PNB One App.
Place a request at a PNB ATM.
Give a missed call on 1800-180-5555.
Call 1800-180-2222, 1800-103-2222, or 0120-2490000.
Send SMS PNBPROD to 5607040 or SMS “INSTA Y” to 7092200200.

If the online process confuses you or you prefer an offline method, visit your nearest PNB branch. A bank representative will guide you step-by-step through the application process.

💡Once your card is active, make bill payments simple and stress-free. Avoid late fees with timely reminders that keep every due date on track with the Pice App. Get monthly alerts, pay credit card bills quickly, and track payment status easily in one place.

Footnotes

Manage your card seamlessly through the PNB GENIE mobile app.
Bonus reward points can also be earned on your first online transaction within 90 days.

FAQs

What is the contactless and card limit?

For contactless transactions, without dipping, swiping, or PIN entry, the maximum limit is ₹5,000 per transaction. PNB Select Rakshak Rupay Credit Card limit ranges from ₹50,000 up to ₹10,00,000 based on approval.

How many add-on cards can you get with PNB credit cards?

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 between 18 and 70 years of age.

When can you opt for EMI conversion?

You can request EMI within 30 days of purchase or before the due date, whichever is earlier. Tenure options range from 3 to 36 months, with 36 months available on spends of ₹30,000 or above.