PNB RuPay Select Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

- Enjoy a welcome bonus of 300 Reward Points. - Earn 2 Reward Points for every Rs. 150 spent. - Receive double the Reward Points on all merchandise/online transactions within the first 90 days. - Get 50 additional Reward Points by registering for the e-bill facility. - Access complimentary airport lounges. - Avail complimentary insurance coverage worth Rs. 10 lakhs. - Have the annual membership fee waived based on your spending. - Enjoy a 1% waiver on fuel surcharges.

The PNB RuPay Select Credit Card is an excellent choice for avid shoppers, offering a wide range of benefits and rewards.

With a joining fee of Rs. 500 plus GST and a renewal fee of Rs. 750 plus GST, this card provides great value for its customers.

When it comes to rewards, the PNB RuPay Select Credit Card offers Reward Points as its reward type.

As a welcome benefit, you will receive 300 bonus Reward Points, which is a great way to kickstart your rewards journey.

For movie lovers and food enthusiasts, this card offers exclusive cashback offers on dining at various participating restaurants.

Additionally, you'll earn 2 Reward Points on every spend of Rs. 150 during your shopping adventures.

For those who enjoy traveling, this credit card provides complimentary airport lounge access, allowing you to relax and unwind before your journey.

You'll have 2 complimentary domestic airport lounge access every quarter, as well as 4 complimentary airport lounge access for international travel.

Furthermore, the PNB RuPay Select Credit Card offers a complimentary insurance cover worth Rs. 10 lakhs against accidental death, providing you with peace of mind during your travels.

One of the standout features of this card is the spend-based waiver.

If you use your card at least once every quarter, you can waive off the annual fee of Rs. 750.

This feature ensures that you can enjoy the benefits of the card without worrying about additional costs.

There are no rewards redemption fees, allowing you to easily redeem your Reward Points without any extra charges.

However, it's important to note that there is a 3.5% foreign currency markup on all foreign currency transactions, so keep this in mind when using the card abroad.

The interest rate for this credit card is 2.95% per month, which is competitive in the market.

Additionally, you can enjoy a 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 3,000, making it convenient and cost-effective for your fuel purchases.

If you need cash in a pinch, the cash advance fee is 2% of the withdrawn amount, subject to a specific minimum amount.

In summary, the PNB RuPay Select Credit Card is a top-notch choice for shoppers.

With its array of benefits, including reward points, exclusive cashback offers, airport lounge access, and insurance coverage, this card truly stands out.

Remember to use your card at least once every quarter to waive off the annual fee.

Apply now and dive into a rewarding credit card experience with the PNB RuPay Select Credit Card.