PNB RuPay Select Patanjali Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

300 Reward Points will be given as a Welcome bonus. A cashback of 2% will be given on purchases of Rs. 2,500 or more at Patanjali stores. Up to 4 Reward Points will be earned on each purchase of Rs. 150. Registering for the e-bill facility will earn you 50 Reward Points. You will have complimentary access to airport lounges. You will also receive complimentary insurance coverage for accidental death. The annual fee will be waived if a certain spending threshold is met. There will be a waiver of 1% fuel surcharge on fuel purchases.

The PNB RuPay Select Patanjali Credit Card is an ideal choice for shopping enthusiasts.

With a joining fee of Rs. 500 + GST and a renewal fee of Rs. 750 + GST, this card offers great value for money.

One of the standout features of this credit card is its reward program.

Cardholders can earn Reward Points on every purchase, which can be redeemed for various rewards.

Notably, users receive a welcome benefit of 300 bonus Reward Points on their first transaction.

Additionally, for the first 90 days, customers can earn 2x Reward Points on retail purchases.

For movie buffs and foodies, this card offers exclusive discount and cashback offers at numerous restaurants.

This is a great way to enjoy savings while dining out or catching a movie.

When it comes to shopping, the PNB RuPay Select Patanjali Credit Card doesn't disappoint.

Cardholders earn 2 Reward Points on every Rs. 150 spent.

Moreover, they can enjoy a 2% cashback on Patanjali products, which is a fantastic deal for fans of the brand.

Travelers will appreciate the complimentary airport lounge access offered by this card.

Additionally, cardholders are entitled to two complimentary domestic lounge accesses every quarter.

In terms of insurance benefits, this credit card provides cardholders with accidental death insurance cover worth Rs. 10 lakhs.

This ensures peace of mind while using the card for various transactions.

The PNB RuPay Select Patanjali Credit Card also offers a spend-based waiver.

If the cardholder uses the card at least once every quarter of a year, the annual fee for the next year is waived off.

This is a great incentive for regular card users.

Unlike many other credit cards, there is no rewards redemption fee associated with this card.

Users can easily redeem their accumulated Reward Points without any additional charges.

It is important to note that there is a foreign currency markup of 3.5% on all foreign currency transactions with this card.

This may be a consideration for frequent international travelers.

The interest rate of 2.95% per month is standard for credit cards in the market.

Cardholders should be mindful of timely repayment to avoid incurring high interest charges.

In terms of fuel surcharge, users of this card enjoy a 1% fuel surcharge waiver, capped at Rs. 350 per billing cycle.

This provides savings for those who frequently use their card for fuel purchases.

For cash advances, there is a charge of 2% of the withdrawn amount, subject to a specific minimum amount.

Cardholders should be aware of this fee when considering cash withdrawals.

To sum up, the PNB RuPay Select Patanjali Credit Card is a valuable choice for avid shoppers.

With its attractive rewards program, exclusive discounts, and complimentary lounge access, it caters to various interests and preferences.

The card's insurance benefits and spend-based fee waiver further enhance its appeal.