Credit cards

PNB Patanjali RuPay Select Credit Card

A Patanjali co-branded RuPay Select card with ₹500 joining fee, ₹750 annual fee waived by quarterly use, 2% Patanjali-store cashback over ₹2,500 (capped at ₹50 per transaction), and 5–7% recharge cashback.

Cashback2% at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback.Rewards2 reward points per ₹150 spent, plus 300+ points on first usage.Offers2% cashback at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback through Patanjali Swadeshi Samridhi Card; 300+ merchant offers.

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✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual / renewal fee₹750 per year; waived when used once in each quarter in the preceding year.View source

₹750 per year; waived when used once in each quarter in the preceding year.

Source: PNB Patanjali RuPay Select Credit Card
Page / section: Fees
Accessed: 30 Aug 2026
Confidence: high

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Fee waiver₹500 joining fee; ₹750 annual fee, waived with one use in each quarter.View source

₹500 joining fee; ₹750 annual fee, waived with one use in each quarter.

Source: PNB Patanjali RuPay Select Credit Card
Page / section: Fees
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeGeneral minimum income is not published on the product page; PNB's co-brand employee policy permits consideration from ₹10,000 net monthly income.View source

General minimum income is not published on the product page; PNB's co-brand employee policy permits consideration from ₹10,000 net monthly income.

Source: PNB Patanjali RuPay Select Credit Card
Page / section: Income criteria
Accessed: 30 Aug 2026
Confidence: high

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EligibilityEligible Patanjali co-brand/customer segment; employee route may be considered from ₹10,000 net monthly income; PNB credit assessment applies.View source

Eligible Patanjali co-brand/customer segment; employee route may be considered from ₹10,000 net monthly income; PNB credit assessment applies.

Source: PNB Patanjali RuPay Select Credit Card
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

APR35.89% per annum on regular revolving credit; FD-backed cards 19.56% per annum.View source

Current PNB schedule publishes 35.89% regular and 19.56% for -backed cards.

Source: PNB Schedule of Fees and Charges
Page / section
Accessed: 30 Aug 2026
Confidence: high

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Monthly finance charge2.95% per month regular; 1.5% per month for FD-backed cards.View source

Current PNB schedule publishes the monthly rates.

Source: PNB Schedule of Fees and Charges
Page / section: Finance charges
Accessed: 30 Aug 2026
Confidence: high

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Foreign-currency markup3.50% of the transaction amount over and above the currency-conversion rate; GST and other applicable charges may also apply. PNB's schedule exempts the Metal Card Luxura variants, which have a separate nil-markup rule.View source

The current schedule states: nil markup for PNB Metal Card Luxura (RuPay/Visa) and 3.50% markup for all other cards, over and above the currency conversion rate.

Source: PNB Schedule of Fees & Charges for Credit Card
Page / section: Page 3, row 18: Foreign currency transaction
Accessed: 12 Sept 2026
Confidence: high

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Cashback2% at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback.View source

2% at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback.

Source: PNB Patanjali RuPay Select Credit Card
Page / section: Offers
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Rewards2 reward points per ₹150 spent, plus 300+ points on first usage.View source

2 reward points per ₹150 spent, plus 300+ points on first usage.

Source: PNB Patanjali RuPay Select Credit Card
Page / section: Rewards and benefits
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Offers2% cashback at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback through Patanjali Swadeshi Samridhi Card; 300+ merchant offers.View source

2% cashback at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback through Patanjali Swadeshi Samridhi Card; 300+ merchant offers.

Source: PNB Patanjali RuPay Select Credit Card
Page / section: Prominent features
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Lounge accessComplimentary domestic and international lounge programme; quota not published.View source

Complimentary domestic and international lounge programme; quota not published.

Source: PNB Patanjali RuPay Select Credit Card
Page / section: Lounge
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

NetworkRuPay SelectView source

RuPay Select

Source: PNB Patanjali RuPay Select Credit Card
Page / section: Product heading
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

₹500 joining fee; ₹750 annual fee waived with one use each quarter
2 reward points per ₹150 and 300+ activation points
2% cashback at Patanjali stores on transactions above ₹2,500, capped at ₹50 per transaction
5–7% additional cashback on Patanjali Swadeshi Samridhi Card recharge
Domestic and international lounge, insurance and 300+ merchant offers

Eligibility

Patanjali co-brand eligibility and PNB credit assessment; employee route may use the published ₹10,000 net monthly minimum.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

PNB card application, , and income proof; Patanjali employment/co-brand proof where applicable

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Bill left unpaidThe part of your card bill that carries forward.₹fifty thousand rupees₹1,000₹10,00,000Interest charged each monthUse the monthly rate printed by the card issuer.%0.5%5%

Interest added for one month₹1,475one thousand four hundred seventy-five rupees

Balance after that interest₹51,475fifty-one thousand four hundred seventy-five rupees

Monthly rate × 1235.4%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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TableCardChoose column

PNB Salary RuPay Platinum Credit Card · Income / eligibilityGross monthly income above ₹25,000.

This value is copied from PNB salary and co-branded cards — published terms. Check the table notes before relying on it.

Source: PNB card product pages and fee schedule · types11/types14/types15/ and schedule of fees Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 6 columnsPNB salary and co-branded cards — published termsFees, income, rewards, travel benefits and offers from official PNB card pages and linked documents.View tableHide table

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PNB salary and co-branded cards — published terms
Card	Income / eligibility	Fees	Rewards / offers	Lounge / cover	Network
PNB Salary RuPay Platinum Credit Card	Gross monthly income above ₹25,000.	Nil joining and annual fee; lifetime free while the eligible salary account is maintained.	1 reward point per ₹100 spent. Myntra ₹250, Ola/Uber ₹100, Netmeds 20% off on ₹999 minimum order, spa, health-check-up and benefits.	4 complimentary domestic visits (1 per quarter) and 1 international visit per year.	RuPay Platinum
PNB Salary RuPay Select Credit Card	Gross monthly income above ₹75,000.	Nil joining and annual fee; lifetime free while the eligible salary account is maintained.	2 reward points per ₹150 spent. Myntra ₹250, Ola/Uber ₹100, BigBasket/Blinkit ₹250, Swiggy One, Gaana Plus, , Netmeds 20% off on ₹999 minimum order and wellness benefits.	8 complimentary domestic visits (2 per quarter) and 2 international visits per year.	RuPay Select
PNB Patanjali RuPay Select Credit Card	General minimum income is not published on the product page; PNB's co-brand employee policy permits consideration from ₹10,000 net monthly income.	₹500 joining fee; ₹750 annual fee, waived with one use in each quarter.	2 reward points per ₹150 spent, plus 300+ points on first usage. 2% cashback at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback through Patanjali Swadeshi Samridhi Card; 300+ merchant offers.	Complimentary domestic and international lounge programme; quota not published.	RuPay Select
PNB EaseMyTrip RuPay Platinum Credit Card	Not published on the reviewed EaseMyTrip product page.	₹2,000 joining fee and ₹2,000 annual fee; annual fee waived above ₹1 lakh preceding-year spends.	300+ reward points on activation; ongoing earning rate is not published on the page. ₹3,000 welcome voucher value; 10% off domestic flights up to ₹1,000 and international flights up to ₹5,000, with no minimum order value.	Complimentary domestic and international airport lounge access; quota not published.	RuPay Platinum

PNB card product pages and fee schedule · types11/types14/types15/ and schedule of fees · accessed 30 Aug 2026Open official source ↗

Table 2 · 10 rows · 2 columnsPNB credit cards — common fees and chargesCurrent schedule rows shared by PNB credit-card variants. Product-specific joining and annual fees are shown in each product's facts; Luxura's separate nil foreign-currency markup is preserved.View tableHide table

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PNB credit cards — common fees and charges
Charge or rule	Published amount or condition
Finance charge	2.95% per month; 1.5% per month for cards against fixed deposit
Annualised percentage rate ()	35.89% per annum; 19.56% per annum for cards against bank lien on fixed deposit
Foreign-currency transaction	Nil markup for Metal Card Luxura (RuPay/Visa); 3.50% for all other cards over the currency-conversion rate
Fuel surcharge	1% of fuel transaction amount, exclusive of taxes, refunded for ₹400–₹4,000 transactions up to ₹350 per statement cycle
Free interest period	20–50 days on retail purchases when the previous month's balance is cleared in full; not applicable after cash withdrawal
Minimum amount due	5% of total amount due, or another amount PNB determines; amounts are added in full
Cash-advance limit	20% of the credit limit
PNB plan	2% processing fee (minimum ₹200); 18% p.a. finance charge; 3% prepayment charge, nil for cards against fixed deposit
Instant	2% processing fee (minimum ₹100); 12% p.a. for 3/6/9/12 months and 14% p.a. for 18/24 months; nil prepayment charge
Tax and change notice	applies to fees, interest and other charges; schedule is subject to change by PNB

PNB Schedule of Fees & Charges for Credit Card · Pages 1–3, rows 1–27 and footnotes · accessed 12 Sept 2026Open official source ↗

Table 3 · 31 rows · 4 columnsPNB cash-advance fees — current and revised from 1 November 2026The revised schedule is stated to be exclusive of applicable GST. The source's existing card/network groups are retained alongside the broad future VISA/RuPay rate.View tableHide table

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PNB cash-advance fees — current and revised from 1 November 2026
channel	Card group as named in the notice	Existing charge shown by PNB	Revised charge from 1 November 2026
Domestic, PNB	RuPay Platinum, RuPay BLISS Platinum, PNB Salary Platinum, PNB	2% of cash withdrawn or ₹100, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	PNB SVANidhi Credit Card	Cash withdrawal not allowed.	The revised column gives a general /RuPay rate and does not repeat this specific no-withdrawal statement.
Domestic, PNB	PNB Metal Credit Card LUXURA; PNB LUXURA for Indian Army personnel	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	PNB Patanjali RuPay Platinum	2% of cash withdrawn or ₹100, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	PNB Patanjali RuPay Select	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	PNB co-branded card	2% of cash withdrawn or ₹100, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	PNB Rakshak Platinum and PNB Rakshak Select	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	PNB GCC, and cards for Micro Enterprises	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Domestic, PNB	Classic, Gold, Platinum and Signature	2% of cash withdrawn or ₹100, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB	Corporate Gold and Platinum cards, with individual or corporate liability	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing corporate-card entry.
Domestic, other	RuPay Platinum, RuPay BLISS Platinum, PNB Salary Platinum, PNB	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select	2% of cash withdrawn or ₹200, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	PNB SVANidhi Credit Card	Cash withdrawal not allowed.	The revised column gives a general /RuPay rate and does not repeat this specific no-withdrawal statement.
Domestic, other	PNB Metal Credit Card LUXURA; PNB LUXURA for Indian Army personnel	2% of cash withdrawn or ₹200, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	PNB Patanjali RuPay Platinum	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	PNB Patanjali RuPay Select	2% of cash withdrawn or ₹200, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	PNB Rakshak Platinum; PNB Rakshak Select	Platinum: 2% or ₹150, whichever is higher; Select: 2% or ₹200, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	PNB GCC, and cards for Micro Enterprises	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Domestic, other	Classic, Gold, Platinum and Signature; PNB ZAGGLE Platinum	2% of cash withdrawn or ₹150, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other	Corporate Gold and Platinum cards, with individual or corporate liability	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing corporate-card entry.
Overseas	RuPay Platinum, RuPay BLISS Platinum, PNB Salary Platinum, PNB	2% of cash withdrawn or ₹250, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select	2% of cash withdrawn or ₹300, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	PNB SVANidhi Credit Card	Cash withdrawal not allowed.	The revised column gives a general /RuPay rate and does not repeat this specific no-withdrawal statement.
Overseas	PNB Metal Credit Card LUXURA; PNB LUXURA for Indian Army personnel	2% of cash withdrawn or ₹300, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	PNB Patanjali RuPay Platinum	2% of cash withdrawn or ₹250, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	PNB Patanjali RuPay Select	2% of cash withdrawn or ₹300, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	PNB Rakshak Platinum; PNB Rakshak Select	Platinum: 2% or ₹250, whichever is higher; Select: 2% or ₹300, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	PNB GCC, and cards for Micro Enterprises	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Overseas	Classic, Gold, Platinum and Signature	2% of cash withdrawn or ₹300, whichever is higher.	For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas	Corporate Gold and Platinum cards, with individual or corporate liability	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing corporate-card entry.

The source's revised cash-advance entries are worded generally for /RuPay credit-card variants. Existing-column exceptions for SVANidhi and corporate cards are not repeated in the revised column; this table preserves that omission rather than interpreting it as a confirmed rule change for those exceptions.
Revised charges are exclusive of applicable , as stated in the notice heading.

PNB revised service charges applicable on credit cards w.e.f. 1 November 2026 · Actual pages 1–4, complete cash-advance schedule for PNB , other domestic and overseas · accessed 8 Oct 2026Open official source ↗

Table 4 · 6 rows · 3 columnsPNB other credit-card service charges — current and revised from 1 November 2026Notice compares existing and revised late-payment, returned-payment, duplicate-statement, reward-redemption and utility-bill fees. The revised schedule is exclusive of applicable GST.View tableHide table

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PNB other credit-card service charges — current and revised from 1 November 2026
Charge	Existing fee/condition shown by PNB	Revised fee/condition effective 1 November 2026
Late payment — general /RuPay variants	Total amount due ₹1,000 or less: nil; ₹1,001–₹5,000: ₹500; ₹5,001–₹10,000: ₹600; above ₹10,000: ₹750.	Total amount due ₹500 or less: nil; ₹501–₹1,000: ₹500; ₹1,001–₹10,000: ₹750; ₹10,000–₹50,000: ₹1,000; above ₹50,000: ₹1,200.
Late payment — cards against fixed deposit	30% of minimum amount due, minimum ₹200 and maximum ₹500 per billing cycle for the listed Classic, Gold, Platinum, Signature, RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select and ZAGGLE RuPay Select variants. For Metal LUXURA/Army fixed-deposit cards, charges are the same as normal LUXURA.	For the listed fixed-deposit card variants, 30% of minimum amount due, minimum ₹200 and maximum ₹500 per billing cycle. Metal LUXURA/Army fixed-deposit card charges remain the same as normal LUXURA, as stated by PNB.
Returned cheque / dishonoured / auto debit	₹200 per instrument for all variants except: Classic/Gold ₹100; Platinum/Signature ₹250; Metal LUXURA/Army ₹200; cards against fixed deposit ₹100. RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select, RuPay Platinum, RuPay BLISS Platinum, Salary Platinum and : ₹200 per instrument. GCC//cards for Micro Enterprises: .	For /RuPay credit-card variants: 2% of payment amount, minimum ₹400. Cards against fixed deposit: ₹100 per instrument. For Metal LUXURA/Army cards against fixed deposit, charges are the same as normal LUXURA.
Duplicate statement beyond three months	₹50; no charge for e-statements, and no charge for cards against fixed deposit for Platinum and Signature. For others, ₹50 with no charge for e-statements. Metal LUXURA/Army fixed-deposit cards follow normal LUXURA charges.	For /RuPay credit-card variants: ₹50 for any month; no charge for an e-statement. Metal LUXURA/Army fixed-deposit cards follow normal LUXURA charges.
Reward redemption	Nil.	For /RuPay credit-card variants: ₹99 per redemption request.
Utility-bill payments	Nil.	For /RuPay credit-card variants: 1% of total utility payments if they exceed ₹50,000 in a billing cycle; maximum ₹2,000 per transaction.

Thresholds and card groups are reproduced from the notice. The late-payment slab uses a ₹10,000 boundary on both adjacent lines; the printed text is retained as published rather than silently normalized.
Revised charges are exclusive of applicable , as stated in the notice heading.

PNB revised service charges applicable on credit cards w.e.f. 1 November 2026 · Actual pages 4–6, complete late-payment, returned-payment, duplicate-statement, reward-redemption and utility-fee sections · accessed 8 Oct 2026Open official source ↗

PNB Patanjali RuPay Select Credit Card

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Credit-card interest estimate

Find the exact published value

Complete rates, limits and schedules

Related products

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PNB EaseMyTrip RuPay Platinum Credit Card

PNB Kiwi RuPay Select Co-branded Credit Card

PNB Metal Credit Card LUXURA RuPay Ekaa