{"id":85356,"date":"2026-02-27T15:48:41","date_gmt":"2026-02-27T10:18:41","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85356"},"modified":"2026-02-27T15:48:45","modified_gmt":"2026-02-27T10:18:45","slug":"pnb-rupay-select-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/pnb-rupay-select-credit-card\/","title":{"rendered":"PNB Rupay Select Credit Card for Travel and Shopping"},"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>Annual fee is \u20b9750 with a waiver option.<\/li>\n\n\n\n<li>Earn 2 reward points per \u20b9150 spent.<\/li>\n\n\n\n<li>Get 300 bonus points on first usage.<\/li>\n\n\n\n<li>Lounge access includes domestic and international visits.<\/li>\n\n\n\n<li>EMI tenure ranges from 3 to 36 months.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The PNB RuPay Select Credit Card offers premium benefits at an annual fee of \u20b9750. It enhances your travel with complimentary access to airport lounges across India. Cardholders also receive insurance cover, a fuel surcharge waiver, and an annual fee waiver on eligible spends.<\/p>\n\n\n\n<p>Designed for shoppers, travellers, and dining enthusiasts, this card delivers reward points and lifestyle perks. You also get 24\/7 concierge assistance and access to 300+ merchant offers.<\/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-ru-pay-select-credit-card-benefits\">PNB RuPay Select Credit Card Benefits<\/a><\/li><li><a href=\"#reward-points-redemption-and-balance-check\">Reward Points Redemption and Balance Check<\/a><\/li><li><a href=\"#pnb-ru-pay-select-credit-card-emi-details\">PNB RuPay Select Credit Card EMI Details<\/a><\/li><li><a href=\"#pnb-rupay-select-credit-card-charges\">PNB Rupay Select Credit Card Charges<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pnb-ru-pay-select-credit-card-benefits\"><strong>PNB 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\/02\/PNB-Rupay-Select-Benefits-1024x683.png\" alt=\"PNB RuPay Select Credit Card Benefits\" class=\"wp-image-85358\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/PNB-Rupay-Select-Benefits-1024x683.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/PNB-Rupay-Select-Benefits-300x200.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/PNB-Rupay-Select-Benefits-150x100.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/PNB-Rupay-Select-Benefits-768x512.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/PNB-Rupay-Select-Benefits.png 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>This card provides 300+ reward points on first usage and 2 reward points for every \u20b9150 spent on retail purchases. The other privileges offered on this card are:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>PNB Rupay Select Credit Card lounge access includes complimentary domestic and international lounge visits.<\/li>\n\n\n\n<li>Receive exclusive cashback on utilities, dining, and restaurants.<\/li>\n\n\n\n<li>Benefit from comprehensive insurance protection.<\/li>\n\n\n\n<li>Get an interest-free period of 20 to 50 days.<\/li>\n\n\n\n<li>Manage your card easily through the PNB GENIE mobile app.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"reward-points-redemption-and-balance-check\"><strong>Reward Points Redemption and Balance Check<\/strong><\/h2>\n\n\n\n<p>You can redeem points through the PNB Rewardz portal. Also, you can choose from movie tickets, hotel bookings, mobile or DTH recharge, merchandise, and e-vouchers. You may also convert points into cashback in your credit card account.<\/p>\n\n\n\n<p>Each reward point holds a value of \u20b90.50. This means 1000 points equal \u20b9500 in shopping or cashback value. Points remain valid for 3 years from the date they are earned.<\/p>\n\n\n\n<p>You can also download the <a href=\"https:\/\/www.pnbcard.in\/Documents\/rewardform.pdf\" target=\"_blank\" rel=\"noopener\">redemption form<\/a> and submit it through your registered email or send it to the designated address.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How to Check Reward Point Balance?<\/strong><\/li>\n<\/ul>\n\n\n\n<p>Log in to the PNB official website or use the PNB Genie mobile app to view your balance.<\/p>\n\n\n\n<p>You may also access your PNB Rewardz account or contact customer care between 10:00 AM and 6:00 PM on working days to check your reward points.<\/p>\n\n\n\n<p>However, you do not need to track <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">credit card bill payment dates<\/a> manually. Use the Pice app to link multiple cards, set reminders, and pay bills directly through the app with ease.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pnb-ru-pay-select-credit-card-emi-details\"><strong>PNB RuPay Select Credit Card EMI Details<\/strong><\/h2>\n\n\n\n<p>You can convert large purchases into easy monthly payments using the RuPay Select PNB Credit Card. The request for conversion must be placed within 30 days of purchase or before the due date.<\/p>\n\n\n\n<p>The repayment option includes periods of 3, 6, 9, 12, 18, 24, and 36 months.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Processing Fees<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EMI plan fee is 2% of the transaction amount, minimum \u20b9200.<\/li>\n\n\n\n<li>Instant EMI fee is 2% with a minimum of \u20b9100.<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Finance Charges<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Regular EMI carries 18% per annum or 1.5% per month.<\/li>\n\n\n\n<li>Instant EMI rates are 12% per annum for 3, 6, 9, and 12 months.<\/li>\n\n\n\n<li>For 18 and 24 months, the rate is 14% per annum.<\/li>\n<\/ul>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Important Points to Note<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The 36-month option applies only to transactions of \u20b930,000 or more.<\/li>\n\n\n\n<li>Only retail and online purchases qualify. Cash withdrawals, fuel, gold, jewellery, and charges are not eligible.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pnb-rupay-select-credit-card-charges\"><strong>PNB Rupay Select Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The finance charge levied on the PNB Rupay Select Credit Card is 2.95% monthly or 35.89% annually.<\/p>\n\n\n\n<p>Below is the list of <a href=\"https:\/\/www.pnbcard.in\/Documents\/KeyFactStatement.pdf\" target=\"_blank\" rel=\"noopener\">other important charges<\/a> levied 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>Joining Fee<\/td><td>\u20b9500<\/td><\/tr><tr><td>Cash Advance Charges for Platinum 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 Transaction<\/td><td>3.50%<\/td><\/tr><tr><td>Cash Advance Limit<\/td><td>20% of credit limit<\/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<p>\ud83d\udca1Are late payment charges messing up your budget? Install the <a href=\"https:\/\/piceapp.com\/\">Pice app<\/a> and receive monthly alerts and never miss your credit card bill payment dates again.<\/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>The \u20b9750 annual fee is waived if you use the card once every quarter in the previous year.<\/li>\n\n\n\n<li>Get 300 reward points on your first retail or online purchase within 90 days of card issuance.<\/li>\n\n\n\n<li>A minimum of 1000 reward points is required to redeem rewards for products or services.<\/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-1772186943801\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the eligibility criteria to apply for the PNB Rupay Select Card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>To apply for this card, applicants must be between 21 and 70 years old. Minimum income required is \u20b95 lacs per annum.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772186958698\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Which documents are required for the application?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You need valid identity proof and address proof. Submit income proof along with your PAN card to complete the credit card application process.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772186975016\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How many add-on cards are allowed?<\/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 aged 18 to 70 years.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772186998011\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the card and contactless limits?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The credit card limit ranges from \u20b950,000 to \u20b910,00,000 based on approval. For contactless payments without PIN entry, the maximum allowed per transaction is \u20b95,000.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772187012973\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What is the customer care helpline?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can call 18001802345 toll-free or 0120-4616200 for assistance. You may also email creditcardpnb@pnb.co.in for any credit card-related queries.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The PNB RuPay Select Credit Card offers premium benefits at an annual fee of \u20b9750. It enhances your travel with complimentary access to airport lounges across India. Cardholders also receive insurance cover, a fuel surcharge waiver, and an annual fee waiver on eligible spends. Designed for shoppers, travellers, and dining enthusiasts, this card [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85357,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85356","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\/85356","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=85356"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85356\/revisions"}],"predecessor-version":[{"id":85359,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85356\/revisions\/85359"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85357"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85356"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85356"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85356"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}