Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • PNB Rakshak RuPay Select Credit Card

    The Rakshak RuPay Select Credit Card by the Punjab National Bank is curated specifically for the customers who frequently shop online and travel. The PNB Rakshak RuPay Select Credit Card comes with an annual fee of Rs.500, a joining fee of Rs.750 and a finance charge of 2.95% per month.

    Key Highlights of the PNB Rakshak RuPay Select Credit Card

    • Get more than 300 points on using the card for the first time.
    • Complimentary access to the domestic and international lounge program.
    • Get cashback offers on utility bills, dining expenses, etc.
    • Accelerated reward points of 2x on retail merchandise.
    • Fuel surcharge waiver of 1%.

    Features and Benefits of the PNB Rakshak RuPay Select Credit Card

    Reward Point Benefits
    • Get more than 300 reward points on your first transaction.
    • Get accelerated reward points of 2x on retail purchases.
    Cashback Benefits
    • Receive cashback benefits on making your utility bill payments, and on your dining expenses.
    Travel Benefits
    • Access to domestic and international lounge program on a complimentary basis.
    Insurance Benefits
    • Make the most of your card with a comprehensive insurance package with the credit card.

    PNB Rakshak RuPay Select Credit Card Limit

    The credit limit of your PNB Rakshak RuPay Select Credit Card is given by the bank. Punjab National Bank does consider many factors before doing so such as the applicant’s credit score, repayment habits and utilisation of credit, etc.

    PNB Rakshak RuPay Select Credit Card Fees and Charges

    Type of Fee Charge
    Joining fee Rs.500
    Annual fee Rs.750
    Credit limit over usage 2.5% or Rs.500
    Finance charges 2.95% per month
    Minimum amount due 5% of the total amount due
    Duplicate statement fee Rs.50
    Cash advance 2% of the cash withdrawn or Rs.150 at PNB ATMs (higher amount will be taken)
    Card replacement fee Rs.150
    Foreign currency transaction 3.50%

    Eligibility Criteria for PNB Rakshak RuPay Select Credit Card

    Age The primary applicant must be least 18 years old.
    Nationality The applicant must be a citizen of India or a non-resident Indian.
    Employment status He or she must have a steady source of income.
    Credit Score A good CIBIL score plays an important role in getting the card application approved.

    Documents Required for the PNB Rakshak RuPay Select Credit Card

    Proof of Address Income Proof Identity Proof
    Voter ID Salary Slips Aadhaar Card
    Aadhaar Card Form 16 Ration Card
    Driving License IT Return Voter ID
    - - Passport

    PNB Rakshak RuPay Select Credit Card FAQs

    1. How can I make my credit card payment online?

      For paying the bill of your PNB Rakshak RuPay Select Credit Card, you can log in to your net banking account and choose to pay your bill online.

    2. Will the annual fee be waived for the card?

      Yes, the annual fee of Rs.500 will be waived if you use your credit card at least once in 3 months.

    3. Does the PNB Rakshak RuPay Select Credit Card have an interest-free period?

      Yes, the PNB Rakshak RuPay Select Credit Card has an interest-free period between 20 days – 50 days.

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