{"id":85449,"date":"2026-03-05T13:46:39","date_gmt":"2026-03-05T08:16:39","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85449"},"modified":"2026-03-05T13:46:44","modified_gmt":"2026-03-05T08:16:44","slug":"pnb-rakshak-rupay-select-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/pnb-rakshak-rupay-select-credit-card\/","title":{"rendered":"PNB Rakshak Rupay Select Credit Card Crafted for Defence Members"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zero joining fee with quarterly usage benefit.<\/li>\n\n\n\n<li>Earn 2X reward points per \u20b9150 spent.<\/li>\n\n\n\n<li>Get 300 bonus points on the first transaction.<\/li>\n\n\n\n<li>Finance charge stands at 2.95% per month.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>There is no joining fee. You can also reverse the \u20b9750 annual fee by using the card at least once every quarter. On first use, you receive 300 bonus reward points.<\/p>\n\n\n\n<p>Continue reading to explore its key benefits, features, and charges in detail.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#pnb-rakshak-rupay-select-credit-card-benefits\">PNB Rakshak Rupay Select Credit Card Benefits<\/a><\/li><li><a href=\"#pnb-rakshak-rupay-select-credit-card-charges\">PNB Rakshak Rupay Select Credit Card Charges<\/a><\/li><li><a href=\"#methods-to-apply-for-a-pnb-credit-card\">Methods to Apply for a PNB Credit Card<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pnb-rakshak-rupay-select-credit-card-benefits\"><strong>PNB Rakshak Rupay Select Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Rakshak-Benefits-1-1024x683.png\" alt=\"PNB Rakshak Rupay Select Credit Card Benefits\" class=\"wp-image-85451\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Rakshak-Benefits-1-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Rakshak-Benefits-1-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Rakshak-Benefits-1-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Rakshak-Benefits-1-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Rakshak-Benefits-1.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The card offers value on daily spending and travel needs. Other than the welcome bonus points, you also earn 2X reward points for every \u20b9150 spent on retail purchases.<\/p>\n\n\n\n<p>The other benefits are:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Lounge Access:<\/strong> Enjoy complimentary domestic and international PNB Rakshak Rupay Select Credit Card lounge access.<\/li>\n\n\n\n<li><strong>Cashback Offers:<\/strong> Exclusive cashback on utility bills, eateries, and restaurant expenses.<\/li>\n\n\n\n<li><strong>Insurance Cover:<\/strong> Get comprehensive insurance coverage for added security.<\/li>\n\n\n\n<li><strong>Concierge Support: <\/strong>24\/7 concierge support for travelling and lifestyle.<\/li>\n\n\n\n<li><strong>Merchant Deals:<\/strong> Get up to 300 merchant deals in different categories.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pnb-rakshak-rupay-select-credit-card-charges\"><strong>PNB Rakshak Rupay Select Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>Before you review the <a href=\"https:\/\/www.pnbcard.in\/Documents\/KeyFactStatement.pdf\" target=\"_blank\" rel=\"noopener\">detailed schedule of charges<\/a>, note that finance charges apply at 2.95% per month, which equals 35.89% annually.<\/p>\n\n\n\n<p>The table below provides a complete view of all applicable fees and interest rates on this card:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Cash Advance Charges for Select Cards<\/td><td>2% or min. \u20b9150 (for PNB ATMs)&nbsp;2% or min. \u20b9200 (for other ATMs)&nbsp;2% or min. \u20b9300 (for overseas ATMs)&nbsp;<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% or min. \u20b9500&nbsp;<\/td><\/tr><tr><td>Card Replacement Fee<\/td><td>\u20b9200<\/td><\/tr><tr><td>Cheque Dishonour Fee<\/td><td>\u20b9200<\/td><\/tr><tr><td>Foreign Currency Markup<\/td><td>3.50%<\/td><\/tr><tr><td>Late Payment Fee<\/td><td>Less than \u20b91000: NIL&nbsp;From \u20b91001 &#8211; above \u20b910,000, it ranges between \u20b9500 &#8211; \u20b9750.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"methods-to-apply-for-a-pnb-credit-card\"><strong>Methods to Apply for a PNB Credit Card<\/strong><\/h2>\n\n\n\n<p>You can complete the PNB Rakshak Rupay Select Credit Card application online through digital channels:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit the <a href=\"https:\/\/pnbcsl.in\/view\/credit-cards\" target=\"_blank\" rel=\"noopener\">official website<\/a> or use internet banking.<\/li>\n\n\n\n<li>Apply through the PNB One App.<\/li>\n\n\n\n<li>Place a request at a PNB ATM.<\/li>\n\n\n\n<li>Give a missed call on 1800-180-5555.<\/li>\n\n\n\n<li>Call 1800-180-2222, 1800-103-2222, or 0120-2490000.<\/li>\n\n\n\n<li>Send SMS PNBPROD to 5607040 or SMS \u201cINSTA Y\u201d to 7092200200.<\/li>\n<\/ol>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>\ud83d\udca1Once 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 <a href=\"https:\/\/piceapp.com\/\">Pice App<\/a>. Get monthly alerts, pay credit card bills quickly, and track payment status easily in one place.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"footnotes\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Manage your card seamlessly through the PNB GENIE mobile app.<\/li>\n\n\n\n<li>Bonus reward points can also be earned on your first online transaction within 90 days.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1772697854001\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the contactless and card limit?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For contactless transactions, without dipping, swiping, or PIN entry, the maximum limit is \u20b95,000 per transaction. PNB Select Rakshak Rupay Credit Card limit ranges from \u20b950,000 up to \u20b910,00,000 based on approval.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772697873122\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How many add-on cards can you get with PNB credit cards?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772697890651\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>When can you opt for EMI conversion?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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 \u20b930,000 or above.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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 \u20b9750 annual fee by using the card [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85450,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85449","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85449","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85449"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85449\/revisions"}],"predecessor-version":[{"id":85452,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85449\/revisions\/85452"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85450"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85449"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85449"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85449"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}