Last updated: |Data verified from official bank sources
Mid-Range
PNB RuPay Select
Punjab National Bank
Best for: PSU bank customers wanting lounge access + insurance
₹750
Annual Fee
1.33%
Reward Rate
3.5%
Forex Markup
2/quarter
Domestic Lounge
4/year
Intl Lounge
Best for: PSU bank customers wanting lounge access + insurance
Things to Watch Out For
- •Low reward rate compared to private bank cards
Fees & Charges
Joining Fee₹500
Annual Fee₹750
Fee WaiverUse once per quarter
Forex Markup3.5%
Rewards
TypePoints
Base Rate2 pts/₹150
Effective Return1.33%
Lounge Access
Domestic2/quarter
International4/year
Eligibility
Minimum Income₹3.6L/year
Welcome Benefits
Benefit300 bonus points on first txn in 90 days
Estimated Value₹105
Available on: RuPay Select
Frequently Asked Questions
What is the annual fee for PNB RuPay Select?▼
PNB RuPay Select has an annual fee of ₹750. Use once per quarter
What rewards does PNB RuPay Select offer?▼
PNB RuPay Select offers 2 pts/₹150 on all spends, with an effective value of 0.47%.
Does PNB RuPay Select have lounge access?▼
Yes, PNB RuPay Select offers 2/quarter domestic lounge visits and 4/year international lounge visits per quarter.
What is the minimum income required for PNB RuPay Select?▼
The minimum income requirement for PNB RuPay Select is ₹3.6 lakhs per annum.
Information sourced from Punjab National Bank official website. Last verified: February 2026.
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