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PNB Select Rupay Credit Card Review - Benefit and features

If you are looking for a credit card that offers you a range of benefits and features, you might want to consider the PNB Select Rupay Credit Card. This card is issued by Punjab National Bank (PNB), one of the largest public sector banks in India, and is powered by Rupay, the Indian payment network. Here are some of the reasons why you should choose this card:


- Reward points: You can earn 2 reward points for every Rs. 100 spent on your card. You can redeem these points for various products and services from the PNB reward catalogue. You can also convert your reward points into cashback at the rate of 1 point = Rs. 0.25.

- Lounge access: You can enjoy complimentary access to select airport lounges across India, up to 2 times per quarter. You can also avail of a 30% discount on lounge access fees for your accompanying guests.

- Fuel surcharge waiver: You can save on fuel expenses by getting a 1% waiver on fuel surcharge at any petrol pump in India, up to Rs. 250 per month.

- Insurance cover: You can get a complimentary personal accident insurance cover of Rs. 10 lakh, as well as an air accident insurance cover of Rs. 50 lakh. You can also get a lost card liability cover of Rs. 2 lakh, which protects you from any fraudulent transactions in case your card is lost or stolen.

- Annual fee waiver: You can get a waiver on your annual fee of Rs. 500 if you spend Rs. 60,000 or more in a year on your card.

- Other benefits: You can also enjoy other benefits such as zero liability on lost card, online banking, SMS alerts, EMI facility, balance transfer facility, and more.


The PNB Select Rupay Credit Card is a great option for anyone who wants to enjoy a host of benefits and features with their credit card. You can apply for this card online or by visiting your nearest PNB branch. To be eligible for this card, you need to have a minimum monthly income of Rs. 25,000 and a good credit score. The interest rate on this card is 2.5% per month or 30% per annum.

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