{"id":85462,"date":"2026-03-05T15:57:45","date_gmt":"2026-03-05T10:27:45","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85462"},"modified":"2026-03-05T15:57:50","modified_gmt":"2026-03-05T10:27:50","slug":"pnb-patanjali-rupay-select-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/pnb-patanjali-rupay-select-credit-card\/","title":{"rendered":"PNB Patanjali RuPay Select Credit Card Review: The Key to Shop and Save for Patanjali Shoppers"},"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>2X reward points on all retail merchandise.\u00a0<\/li>\n\n\n\n<li>2% cashback on all Patanjali expenses of \u20b9500 and more.\u00a0\u00a0<\/li>\n\n\n\n<li>5% to 7% additional cashback to Patanjali Swadeshi Samridhi Cardholders.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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.\u00a0<\/p>\n\n\n\n<p>Let us explore its features, charges, eligibility, and application process 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=\"#what-are-the-top-features-of-the-pnb-patanjali-ru-pay-select-credit-card\">What are the Top Features of the PNB Patanjali RuPay Select Credit Card?\u00a0<\/a><\/li><li><a href=\"#how-to-apply-for-the-pnb-patanjali-ru-pay-select-credit-card\">How to Apply for the PNB Patanjali RuPay Select Credit Card?<\/a><\/li><li><a href=\"#who-is-eligible-to-apply-for-the-pnb-patanjali-ru-pay-select-credit-card\">Who is Eligible to Apply for the PNB Patanjali RuPay Select Credit Card?<\/a><\/li><li><a href=\"#what-are-the-pnb-patanjali-ru-pay-select-credit-card-charges\">What are the PNB Patanjali RuPay Select Credit Card Charges?\u00a0\u00a0<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-top-features-of-the-pnb-patanjali-ru-pay-select-credit-card\"><strong>What are the Top Features of the PNB Patanjali RuPay Select Credit Card?&nbsp;<\/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-Patanjali-RuPay-Features-1024x683.png\" alt=\"Top Features of the PNB Patanjali RuPay Select Credit Card\" class=\"wp-image-85464\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Patanjali-RuPay-Features-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Patanjali-RuPay-Features-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Patanjali-RuPay-Features-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Patanjali-RuPay-Features-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-Patanjali-RuPay-Features.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>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.&nbsp;<\/p>\n\n\n\n<p>Additionally, the card also has the following features:&nbsp;<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Lounge Access<\/strong>: Get complimentary PNB Patanjali RuPay Select credit card lounge access to eligible domestic and international lounges.<\/li>\n\n\n\n<li><strong>Maximum Protection<\/strong>: Stay safe with its comprehensive insurance protection.<\/li>\n\n\n\n<li><strong>Instant Cashback<\/strong>: Get 2% cashback, capped at \u20b950 per transaction, on every Patanjali purchase.<\/li>\n\n\n\n<li><strong>Wallet Recharge<\/strong>: Swadeshi Samridhi Cardholders can enjoy 5% to 7% additional cashback during recharge. This makes it even more rewarding for loyal customers.<\/li>\n<\/ol>\n\n\n\n<p><strong>Note:<\/strong><\/p>\n\n\n\n<p>The instant cashback of 2% may change, depending on the amount spent. For example:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>For \u20b9500 to \u20b91,000, the cashback will be 2% or \u20b920 (whichever is lower).<\/li>\n\n\n\n<li>For \u20b91,001 to \u20b92,000, the cashback will be 2% or \u20b940 (whichever is lower).<\/li>\n\n\n\n<li>For spends above \u20b92,000, you will receive 2% or \u20b950 cashback (whichever is lower).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-apply-for-the-pnb-patanjali-ru-pay-select-credit-card\"><strong>How to Apply for the PNB Patanjali RuPay Select Credit Card?<\/strong><\/h2>\n\n\n\n<p>There are various options to apply to the PNB Patanjali RuPay Select Credit Card. Here is how you can apply for this credit card:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Online:<\/strong> Visit the <a href=\"https:\/\/pnbcsl.in\/view\/credit-cards\" target=\"_blank\" rel=\"noopener\">Punjab National Bank Cards &amp; Services<\/a> to apply.<\/li>\n\n\n\n<li><strong>Mobile App:<\/strong> Use using the PNB One or PNB Genie mobile banking applications.<\/li>\n\n\n\n<li><strong>Missed Call:<\/strong> Give a missed call to 1800-180-5555 from your registered mobile number.<\/li>\n\n\n\n<li><strong>SMS:<\/strong> Text \u2018PNBPROD\u2019 to 5607040 or \u2018INSTA Y\u2019 to 7092200200 to begin the application process.\u00a0<\/li>\n\n\n\n<li><strong>Customer Care:<\/strong> Call 1800-180-2222, 1800-103-2222, or 0120-2490000 for assistance.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-is-eligible-to-apply-for-the-pnb-patanjali-ru-pay-select-credit-card\"><strong>Who is Eligible to Apply for the PNB Patanjali RuPay Select Credit Card?<\/strong><\/h2>\n\n\n\n<p>Individuals who meet the following criteria can apply for the PNB Patanjali RuPay Select credit card:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Age<\/strong>: 21 to 65 years<\/li>\n\n\n\n<li><strong>Income<\/strong>: a minimum of \u20b9500,000 annually\u00a0<\/li>\n<\/ul>\n\n\n\n<p>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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-are-the-pnb-patanjali-ru-pay-select-credit-card-charges\"><strong>What are the PNB Patanjali RuPay Select Credit Card Charges?&nbsp;&nbsp;<\/strong><\/h2>\n\n\n\n<p>The PNB Patanjali RuPay Select credit card has a joining fee of \u20b9500. The annual fee of the card is not optional if it is used at least once every quarter. Other charges include:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type&nbsp;<\/strong><\/td><td><strong>Amount<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>2.95% per month (35.89% yearly)&nbsp;1.5% per month for cards against FD (19.56% yearly)<\/td><\/tr><tr><td>Cash Advance Charges<\/td><td>2% or min. \u20b9150 (for domestic PNB ATMs)&nbsp;2% or min. \u20b9200 (for domestic other ATMs)&nbsp;2% or min. \u20b9300 (for overseas ATMs)&nbsp;<\/td><\/tr><tr><td>Late Payment Fee<\/td><td>Less than \u20b91,000: NIL&nbsp;\u20b91,001 &#8211; \u20b95,000: \u20b9500&nbsp;\u20b95,001 &#8211; \u20b910,000: \u20b9600&nbsp;Above \u20b910,000: \u20b9750&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Take control of your <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">credit card bills<\/a> by linking all your cards in one place, setting smart reminders, and ensuring every payment is completed before the due date with PICE.<\/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=\"footnote\"><strong>Footnote<\/strong><\/h3>\n\n\n\n<p>The PNB Patanjali RuPay Select credit card attracts a card replacement fee of \u20b9200.<\/p>\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-1772705891754\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the PNB Patanjali RuPay Select credit card limit?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The credit limit typically ranges between \u20b950,000 and \u20b910,00,000. The final limit depends on your income, credit score, repayment history, and overall credit profile.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772705908532\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Are there any charges on foreign currency transactions?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, a foreign currency markup fee of 3.5% is applicable on international transactions made using the PNB Patanjali RuPay Select credit card.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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.\u00a0 Let us explore its features, charges, eligibility, and application [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85463,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85462","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\/85462","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\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85462"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85462\/revisions"}],"predecessor-version":[{"id":85465,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85462\/revisions\/85465"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85463"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85462"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85462"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85462"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}