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PNB Patanjali RuPay Select Credit Card
PNB • RuPay

PNB Patanjali RuPay Select Credit Card

Cashback rewards on everyday spends.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹0Check issuer terms
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,400Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Check issuer terms

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • PNB Patanjali RuPay Select is a use-case specific card with potential value concentrated in select merchant ecosystems.
  • This product fits controlled spending plans where users can consistently align transactions to eligible benefit tracks.
  • As a Select-tier RuPay card, it is strongest as part of a stack rather than as a standalone optimizer.

Best Utilization

  • Use for targeted RuPay/UPI spends in known eligible merchant segments.
  • Pair with a mainstream cashback card for wider category coverage and higher blended return.
  • Track monthly value realization to confirm that ecosystem-linked benefits are actually crediting.

Watchouts

  • No complimentary lounge access is currently mapped for this card.
  • Select-tier labels do not always map to higher everyday reward yield.
  • Benefit leakage can occur if merchant classification or partner eligibility changes.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkRuPay
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports14
  • Approval reports8

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for PNB Patanjali RuPay Select Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • PRE-QUALIFIED CREDIT CARD
  • APPLY CARD ONLINE APPLY CREDIT CARD ONLINE COMPLETE YOUR VIDEO KYC
  • APPLY CREDIT CARD ONLINE
  • COMPLETE YOUR VIDEO KYC

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About PNB Patanjali RuPay Select Credit Card

PNB Patanjali RuPay Select Credit Card is a cashback card from PNB, best for travel & lounge access. It is tagged under upi categories in our database.

UPI

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Frequently asked questions

Is PNB Patanjali RuPay Select Credit Card lifetime free?

It has an annual fee of ₹0. Check issuer terms

What rewards does PNB Patanjali RuPay Select Credit Card offer?

Cashback rewards on everyday spends.

Does PNB Patanjali RuPay Select Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider PNB Patanjali RuPay Select Credit Card?

Travel & lounge access

Where can I apply for PNB Patanjali RuPay Select Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.