PNB RuPay Select Credit Card: Unveiling the Benefits and Elevate your lifestyle

Credit cards are now a necessary instrument for modern transactions and money management in the constantly changing world of financial products. One of the top public sector banks in India, Punjab National Bank (PNB), has launched the PNB RuPay Select Credit Card, a special product that combines the bank’s experience with the benefits of the RuPay payment network. We examine the main advantages and features of the PNB RuPay Select Credit Card in this post, emphasising how they can improve your financial situation.

Key Highlights of PNB RuPay Select Credit Card:

• You should earn more than 300 points on your first usage.
• 2x accelerated reward points for purchases of retail goods.
• access to both the domestic and international lounge programmes is free.
• Get cashback deals on things like restaurant bills and energy bills.
  complete insurance protection.

Benefits of PNB RuPay Select Credit Card:

Reward Point Benefits:

Get more than 300 bonus points on your first purchase. Get two times the accelerated reward points for retail expenses.

Travel Benefits:

Access to domestic and international lounge programmes is free.

Cashback Benefits:

Take advantage of cashback incentives while paying your utility and eating bills.

Insurance Benefits:

Utilise the credit card to purchase a complete insurance plan.

Movie & Dining:

Exclusive rebates on dining at a variety of partner establishments.

Reward Redemption:

For use in the PNB Rewardz portal’s numerous categories, 1 reward point is equal to 0.5 rupees.

Zero Liability Protection:

Once the loss has been notified to the bank, you will not be held responsible as a PNB Credit Cardholder for any fraudulent transactions made using a lost or stolen card.

International Lounge Access:

4 Free access to airport lounges.

Domestic Lounge Access:

Every three months, two free domestic airport lounge visits.

Fuel Surcharge Wavier:

• For all fuel purchases between Rs. 500 and Rs. 3,000, the 1% fuel surcharge is waived.
• For this credit card, the maximum fuel cost waiver is limited to Rs. 250 each billing cycle.

Spend-Based Waiver:

If you used your credit card at least once per three months during the previous anniversary year, you are exempt from the 750 rupee annual fee for the following year.

More Details:

• 300 additional Reward Points are a welcome bonus.
• 2 Reward Points are awarded for every Rs. 150 spent.
• Within the first 90 days, receive double reward points on all purchases and online transactions.
• 50 more Reward Points are awarded upon e-billing facility registration.
  Free access to airport lounges.
• Free insurance coverage totaling Rs. 10 lakhs.
• Waiver of the annual membership cost dependent on spending.
  Freezing the 1% gasoline surcharge.

Fee’s And Charges of PNB RuPay Select Credit Card:

Fees/Charges	Amount
Joining Fee	Rs. 500
Annual Fee	Rs. 750
Add-on Card Fee	Nil
Finance Charges	2.95% per month/35.89% per annum
Cash Advance Charges	PNB ATM – 2% of amount/Min. Rs. 150 Other ATMs – 2% of amount/ Min. Rs. 200 Overseas – 2% of amount/ Min. Rs. 300
Late Payment Fees	Nil – Amount less than Rs. 100Rs.200 – Amount between Rs. 101 and Rs. 1,000 Rs. 500 – Amount between Rs. 1,001 and Rs. 5,000 Rs. 600 – Amount between Rs. 5,001 and Rs. 10,000 Rs. 750 – Amount over Rs. 10,001
Charges on Over Limit Account	2.5% of the sum/minimum of Rs.500
Payment dishonour Fee	Rs. 200 per instrument
Card Replacement Fee	Rs. 200
Foreign Currency Transaction Fee	3.50 percent of the total
GST	18% of the fees and charges

PNB RuPay Select Credit Card Reward Points:

• For every Rs. 150 spent on retail transactions with this card, you receive 2 Reward Points.
• Fuel purchases, cash withdrawals, and jewellery purchases do not generate Reward Points.
• Only three years from the date of accrual are the Reward Points you earn with this card still valid.

PNB RuPay Select Credit Card Reward Redemption:

• By logging into the PNB Rewardz site, you can redeem the reward points that you accumulate.
• For use in exchange for a variety of goods, hotel reservations, mobile/DTH recharges, etc., 1 reward point is equal to Rs. 0.50.
• A minimum of 500 Reward Points must be available to the cardholder for redemption.

Eligibility to Apply for PNB RuPay Select Credit Card:

To qualify for any credit card, applicants must meet certain eligibility requirements depending on their age, income, credit score, place of residence, and other variables. The following are the basic requirements that you must meet in order to be approved for the PNB RuPay Select Credit Card:

• The principal cardholder must be between the ages of 21 and 65.
• The supplemental cardholder must be between the ages of 18 and 65.
• The candidate ought to be supported financially.

Required Documents for PNB RuPay Select Credit Card:

• Any legitimate government-issued identification or address document is acceptable.
• A PAN Card copy.
• A photo the size of a passport.
• Latest three months’ worth of pay stubs as evidence of income for salaried people.
• Latest ITR for independent contractors.

Comparison:

PNB RuPay Select Credit Card v/s PNB RuPay Platinum Patanjali credit card:

	PNB RuPay Select Credit Card	PNB RuPay Platinum Patanjali credit card
Fee	Joining Fee Rs. 500 Renewal Fee Rs. 750	Joining Fee Nil Renewal Fee Rs. 500
Best Suited For	Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	300 bonus Reward Points.	300 bonus Reward Points

PNB RuPay Select Credit Card v/s PNB RuPay Millennial credit card:

	PNB RuPay Select Credit Card	PNB RuPay Millennial credit card
Fee	Joining Fee Rs. 500 Renewal Fee Rs. 750	Joining Fee Rs. 399 Renewal Fee Rs. 999
Best Suited For	Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	300 bonus Reward Points.	For retail and online purchases, you can receive 300 additional reward points when using a card for the first time within 90 days of issuance. Within 90 days after acquiring the card, earn 2x reward points on retail purchases and online transactions (apart from cash withdrawals and petrol).

PNB RuPay Select Credit Card v/s PNB Global Gold credit card:

	PNB RuPay Select Credit Card	PNB global Gold credit card
Fee	Joining Fee Rs. 500 Renewal Fee Rs. 750	Joining Fee Nil Renewal Fee Rs. 300
Best Suited For	Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	300 bonus Reward Points.	NA

Who should Use it?

Good for	Bad for
1)Those who want to receive cash back. 2)Clients who desire to accumulate incentive points. 3)People seeking admission to the lounge.	1)Individuals who seek to accumulate flying miles. 2)Customers seeking a cheap markup on foreign exchange. 3)Customers who desire generous promotions on their credit card

Apply for PNB RuPay Select Credit Card:

Via Offline:

Obtain a physical application form from bank staff members, fill it out, and submit it along with the necessary documentation when you visit the Punjab National Bank branch that is the closest to you.

Via Online:

You can also print off the form from the PNB Card’s official wehttps://pnbcard.in/bsite, complete it with all the necessary information, and then take it to your nearby branch together with the necessary supporting documentation.

Contact PNB RuPay Select Credit Card:

Via Phone:

1800 180 2222 & 1800 103 2222 (Toll Free).

Via E-Mail:

care@pnb.co.in

Conclusion:

To sum up, the PNB RuPay Select Credit Card provides a full range of advantages and features to meet the demands of discriminating users. This credit card strives to improve your financial path and elevate your experiences by offering travel benefits and lifestyle privileges. Before applying, it is crucial to carefully consider the terms and conditions, costs, and eligibility requirements as with any financial instrument.

F.A.Q’s:

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