PNB Rakshak Rupay Select Card

Punjab National Bank Rupay

Apply for the best credit card of Punjab National Bank

Joining Fee : NIL
PNB Rakshak Rupay Select Card

Welcome Benefits

  • NA

PNB Rakshak Rupay Select Card: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ NIL
Annual/Renewal Fee:₹ 750+ GST
Finance Charges:2.95% per month (35.89% annually)
Spend Based Waiver:If card is used at least once in each quarter in the preceding year.
Over Limit Penalty:2.5% of the over-limit amount.
Rent Payment chargesNULL
Forex Charges:3.49% of the transaction value
Minimum Repayment Amount:5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI
Cheque Return Fees:2% of Total Amount Due or Minimum of 500 whichever is higher
Late Payment Charges::
Total Amount Due/Statement BalanceLate Payment Charges
Less than or equal to 100NIL
Above 100/- and up to 1000200
Above 1000/- and up to 5000500
Above 5,000/- and up to 10,000600
Above 10,000/-750

Eligibility criteria

Age: Applicants should be at least 21 years old.
Income: A stable annual income is essential, and Self-employed individuals or business owners will need to show financial documents (ITR, balance sheet, etc.) to prove their income.
Credit Score: A good CIBIL score, ideally between 700 and 900, can significantly boost approval chances
If you already have a savings account or a fixed deposit with Punjab National Bank, it might enhance your eligibility for the credit card.
The applicant must be an Indian citizen and valid address proof

Document Requirements

1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

Other Information

Card replacement Fees : Rs 200 + GST
Cash Advance Fees : 2% (Min. INR 150) of the cash amount
Cash Advance Withdrawal Limit : 20% of the card limit

Frequently Asked Questions

What is the annual fee of PNB Rakshak Rupay Select Card?

The Annual fees of PNB Rakshak Rupay Select Card is 750+ GST. And there is Joining fees is free.

What is the interest rate on the PNB Rakshak Rupay Select Card?

The PNB Rakshak Rupay Select Card has an interest rate of 2.95% per month (35.89% annually)

Are there foreign transaction fees on the PNB Rakshak Rupay Select Card?

Yes, The PNB Rakshak Rupay Select Card charges a 3.5% fee for all transactions in foreign currency .

What is the credit limit of PNB Rakshak Rupay Select Card?

The credit limit for the PNB Rakshak Rupay Select Card is based on multiple factors, such as your income, repaying capacity, and credit history. Punjab National Bank does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Punjab National Bank offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

Apply Now

✅ Apply on Bank Website

Quick approval • Digital process

Card other Details


Annual Fee
750+ GST
Joining Fee
NIL
Interest Rate
2.95% per month (35.89% annually)

PNB Rakshak Rupay Select Card Credit Limit: Up to ₹10 Lakh

Contact Bank


Call Center
18001800 and 18002021
Mailing Address
Corporate Office: Plot No 4, Sector -10 Dwarka New Delhi -110075