PNB RuPay Select Credit Card

Below are the key highlights of the PNB RuPay Platinum credit card benefits:

PNB RuPay Platinum credit card is one of the best RuPay credit cards that offers the following attractive benefits:

• Minimum joining fees of Rs. 500.
• If you want lifetime free credit cards, the annual fee is completely waived if the card is used at least once in each quarter in the preceding year; otherwise, an annual fee of Rs. 750 will be charged.
• The credit limit ranges from Rs. 50,000 to Rs. 10,00,000. 
• This card ranks among the airport lounge access credit cards as it offers a complimentary domestic and international airport lounge program.
• 300+ reward points on first usage.
• 2X rewards points on retail merchandise.
• The convenient mobile app "PNB GENIE" gives you a one-stop solution for all card-related activities.
• If you want cash back credit cards, this card offers exclusive cashback on utility bills, eateries, restaurants, etc.
• Comprehensive insurance coverage.
• 24/7 concierge services.
• 300+ merchant offers.
• The cash withdrawal limit is set at 20% of the card limit. 
• You can avail of up to 2 add-on cards for spouse/ mother/ father/ major son & daughter (unmarried)

The following are the various charges associated with the PNB RuPay credit card:

• Joining fee for primary card: Rs. 500.
• Annual fee: Rs. 750;  Nil if the card is used once in a quarter.
• Joining fee & annual fees for add-on cards: Nil.
• Card replacement fee: Rs. 200 per instrument. 
• Interest rate: 2.95% p.m. (35.89% p.a.).
• Interest for credit card issued against FD: 1.5% p.m. (19.56% p.a.).
• Interest rate for Instant EMI: 12% p.a. for the tenure of 3,6,9 & 12 months and 14% p.a. For the tenure of 18 & 24 months. 
• Interest rate on other EMI: 18% p.a. 
• Processing fee for Insta EMI: 2% of the transaction amount or Rs. 100, whichever is higher. 
• Processing fee for Easy Pay EMI plan for retail purchases: 2% of the transaction amount or Rs. 200, whichever is higher. 
• Processing fee for balance facility: 2% of the transaction amount or Rs. 500 for transactions up to Rs. 50,00 & 1% of the transaction amount or Rs. 1,000 for transactions above Rs. 50,000, whichever is higher. 
• Prepayment charges on EMI facility: 3% of the outstanding amount; Nil for Insta EMI & EMI on credit card against FD.
• Cash withdrawal fees for domestic PNB ATMs: 2% of cash withdrawn or Rs. 150, whichever is higher.
• Cash withdrawal fees for other domestic ATMs: 2% of cash withdrawn or Rs. 200, whichever is higher.
• Cash withdrawal fees overseas: 2% of cash withdrawn or Rs. 300 for all other cards, whichever is higher.
• Duplicate statement fee: Rs. 50 (beyond 3 months). 
• Late payment fee: Rs. 0 to Rs. 750, depending on the total payment due. 
• Overlimit charges: 2.5% of the overlimit amount (minimum Rs. 500).
• Charge slip retrieval fee: Rs. 100.
• Cheque returns/ dishonour/ auto debit reversal fee: Rs. 200 per instrument. 
• Surcharge on purchase/ cancellation of railway tickets: 2.5% on the transaction amount at the counter & up to 1.8% of the transaction amount on the IRCTC website.
• Foreign currency transaction fee: 3.50% of the transaction value.
• Finance charge: 2.95% per month. 
• Balance transfer processing fee: 1% of transfer amount or Rs. 199, whichever is higher.
• GST: GST, as notified by the Government of India, will be applicable on all fees, interest and other charges.

The PNB RuPay Select Credit Card offers the following reward benefits:

• 2 reward points for spending every Rs. 150.
• A welcome bonus of 300 reward points on the first retail/ online transaction within 90 days of card issuance.

Conditions for earning rewards:

• Reward points are not accrued on fuel expenses, cash withdrawals, or jewellery purchases.
• Reward points will expire if they are not redeemed within 3 years of the transaction date.
• The monetary value of reward points depends on your redemption method. 
• 1 Reward Point = Rs. 0.25.
• Reward points can also be redeemed for movie tickets, e-vouchers, or merchandise through the PNB portal.

Redemption

• The minimum threshold is set at 1,000 reward points for any redemption.
• At the value redemption value of Rs. 0.25 per point, redeeming 1,000 points yields Rs. 250.
• Accrued points can be redeemed online through the official PNB Rewardz portal, PNB Genie mobile app, or by calling the toll-free number 1800 180 2345 for direct assistance with redemption.

Below are the eligibility criteria required to be met for the PNB RuPay Select credit card:

• Age of the primary cardholder: The applicant should be between 21 and 70 years. 
• Age of the add-on cardholder: The applicant should be between 18 and 70 years.
• Age for application against FD: Minimum 18 years and no ceiling on the upper age limit for primary and add-on cards 
• Minimum income: Rs. 5 Lakhs per annum. 
• Educational qualification: Applicants should be literate.
• Independent financial means: The applicant should have independent financial means, and proof of income has to be enclosed with the application.

Applicants who meet the eligibility criteria laid down by the bank can apply for the PNB RuPay Select Credit Card via any of the following channels: 

• Do It Yourself (DIY) link available on the bank’s website
• Internet banking
• PNB One mobile application
• By making a missed call at 1800-180-5555, 
• By visiting the PNB branch. 

The application form can be downloaded from the bank’s credit card portal or can be obtained from any of the bank’s branches.

The list of documents required to apply for the PNB RuPay Select credit card is mentioned below:

• Application form: Duly filled & signed along with a photograph
• PAN Card: Copy of a valid PAN card 
• Email ID: Email ID is mandatory 
• Proof of identity: Any of the latest official valid documents as per the KYC guidelines of the bank
• Proof of present/ correspondence/ permanent residence: The applicant should have a valid address proof document where their complete address is mentioned
• Proof of income for salaried/pensioner PNB/ non-PNB customers: 
  • No income proof is required if net monthly salary/pension is credited in a PNB account for at least the last 3 months and the amount is not less than the defined minimum required income for issuance of a credit card 
  • If salary/pension is not credited in the PNB Account: Latest Income Tax Return (for annual income above Rs. 5 Lakhs)/ Form 16 (for annual income up to Rs. 5 Lakhs), and Statement of Account of at least 3 months of applicant’s salary/pension account
• Proof of income for other than salaried/pensioner customers: Latest Income Tax Return duly acknowledged by the Income Tax Department for the last 2 years and Statement of Account of at least 3 months of applicant’s account where income is credited.

The PNB RuPay Select Credit Card is best suited for frequent travellers, everyday spenders, and people who want premium lifestyle benefits by paying a minimal annual fee.

People looking for complimentary access to domestic and international airport lounges, 24/7 concierge services, and reward points on retail purchases, utility bills, and groceries can get this credit card by meeting some basic eligibility criteria.

• Helpline number of customer care: 18001802345 (Toll-Free)/ 0120-4616200 (Toll)
• Email address: creditcardpnb@pnb.co.in