PNB Braille RuPay Select
KeepThe second accessible credit card on this board — priced in PNB's own fee table, and nowhere else.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until Punjab National Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #532
Why #532 Carried, not ranked. PNB prices this card in its own MITC row and publishes no earn rate for it anywhere, so there is nothing to value. It is on the board because a visually impaired reader looking for a credit card in India has almost nothing to compare, and because the annual fee here dies on four transactions a year rather than on a spend bar.
The take
There are two Indian credit cards designed around a visual impairment that this desk can find documentation for. Union Bank's Sparsh is one. This is the other, and Punjab National Bank publishes almost nothing about it: no product page, no press page, no entry in the card-types menu that lists eighteen other PNB cards. What exists is a row in the bank's Most Important Terms and Conditions, and that row is enough to price it honestly. ₹500 to take the card out, ₹750 a year to keep it, and the annual charge is waived if the card is used at least once in every calendar quarter of the preceding year. That is four transactions a year — not a spend bar, not a percentage of the credit limit, just use — and it is the friendliest waiver test PNB applies to any card that charges a fee at all. Its Visa Gold and Platinum cards, by contrast, want a year's usage larger than the whole credit limit. What this desk will not tell you is the reward rate, and the reason matters more than the gap. PNB states its earn in exactly one place, a table keyed to each variant's name and card BIN, and there is no Braille row on it. The card is called RuPay Select, so it is tempting to lift the RuPay Select rate — but that row belongs to a specific BIN, and PNB's co-branded cards are missing from the same table, so the table does not cover everything PNB issues. A guess dressed as a citation is worse than a blank. Ask the branch for the rate in writing. Everything else follows PNB's shelf: 3.50% on foreign currency, 2.95% a month on revolving credit, 20 to 50 interest-free days, and no lounge access — PNB claims none for any card in any of its fee documents, and a RuPay Select TIER is not a quota.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Punjab National Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Designed for visually impaired cardholders — one of only two such Indian credit cards this desk carries, alongside Union Bank's Sparsh
- The annual charge dies on USE, not spend: one transaction in each calendar quarter of the preceding year
- ₹500 to take out and ₹750 a year, both stated in PNB's own Most Important Terms and Conditions
- 20 to 50 interest-free days on retail purchases when the previous month cleared in full
- Redemption, when PNB states a rate, runs through the PNB Rewardz portal or as statement cashback from 1,000 points
Watch out
- PNB HAS NOT PUBLISHED WHAT THIS CARD EARNS. Its Rewardz table keys every rate to a variant name AND a card BIN, and has no Braille row — so this desk carries the card without valuing it, ranking it or putting it in the calculator
- There is no product page. PNB's card-types menu lists eighteen cards and not this one; the MITC fee row is the only place it is described at all
- No lounge access is claimed for any PNB card in any PNB document, and a RuPay Select tier is not a quota
- 3.50% forex markup — PNB's nil-markup benefit belongs to the LUXURA metal cards alone
- Revolving interest is 2.95% a month, a 35.89% annual compounded rate, with a minimum 5% of the outstanding due each cycle
- PNB publishes no accessibility feature list either — what the tactile design actually does is not documented anywhere this desk can cite
What these points actually fly
Punjab National Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
Branch application. There is no online funnel for this card and no page to apply from: PNB's card portal at pnbcard.in does not list it in the card-types menu, so a prospective holder has to name it at the counter. Ask for the fee schedule and the reward rate in writing at the same time — PNB publishes the first and not the second.
Punjab National Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against Punjab National Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- official PNB's Most Important Terms and Conditions for retail credit cards — the Braille card's own fee row, its use-based annual waiver, and the shelf-wide interest and forex terms
- official PNB Rewardz programme page — the BIN-keyed earning table, read for this card and found to have no row for it
- official PNB's credit-card types menu — the eighteen-card shelf this card is absent from, which is why the MITC is the only document describing it