PNB Paisabazaar RuPay Select

The terms it gives are clean: nothing to take the card out, ₹499 a year to keep it, and the annual fee is waived after ₹2 lakh of spend in the previous calendar year. Add-on cards are free on both counts. That is all PNB has published. There is no product page on its card portal, no row in its Rewardz earning table, no line in its Key Fact Statement and no launch announcement from either side that this desk can find. So this site prints no reward rate, no welcome benefit and no lounge line for it — and will not guess one from the RuPay Select in the name, because PNB's own RuPay Select and this co-brand are separate rows in the same table. The bank-wide terms do reach it: a 3.50% foreign-currency markup (PNB waives it only on the LUXURA metal cards), 2.95% a month on revolving credit, and the service-charge schedule that moves on 1 November 2026 — a ₹99 fee on every reward redemption, cash advances at 2.5% with a ₹400–₹500 minimum, and a late fee that tops out at ₹1,200. Ask for the earn structure in writing before you apply; a ₹499 card is only cheap if it pays you something back.

What's good

• No joining fee; ₹499 a year, waived after ₹2 lakh of spend in the previous calendar year
• Add-on cards free to issue and free to renew
• Issued on RuPay Select, per the row title in PNB's own Most Important Terms and Conditions

Watch out

• PNB HAS NOT PUBLISHED WHAT THIS CARD EARNS. Its Rewardz table has no row for it and there is no product page, so this site carries the card without valuing or ranking it
• No product page, no Key Fact Statement row and no launch announcement — the MITC fee row is the only public description
• 3.50% forex markup — PNB's nil-markup benefit belongs to the LUXURA metal cards alone
• From 1 Nov 2026 PNB charges ₹99 per reward redemption and raises its cash-advance and late-payment charges bank-wide

The interest (APR), late payment fee and over-limit fee are Punjab National Bank's standard, the same on most of its cards: Punjab National Bank's standard charges.

PNB's fee row is the card's only public description: nil joining, ₹499 a year waived after ₹2 lakh of spend in the previous calendar year, add-ons free. No product page, no Key Fact Statement row and no Rewardz earning row, so no earn, welcome, lounge, income or age criterion is published. The cash-advance and late-fee ladders above are the bank-wide RuPay schedule (Select-tier minimums in the current KFS; one schedule for all variants from 1 Nov 2026), not lines that name this card.

The document

₹2,00,000 a year is the bar that waives the ₹499 fee. Earning points and counting toward that bar are separate rules, and banks write them separately.

Not published. Punjab National Bank / Paisabazaar has not said which kinds of spend count toward the fee waiver (the ₹2,00,000 bar). We won't guess it from the earn rules or a sister card. Have it in writing? Send us the document.

Not confirmed on sale — the issuer still documents this card but we could not confirm it is open to new applications. Treat any application path with care.

All changes across cards

Carried, not ranked. PNB prices this co-brand in its own fee table and publishes nothing else about it — no earn rate, no benefit — so there is nothing to value yet.

• All Punjab National Bank credit cards
• Work out this card at your exact spend
• Which card to use for each kind of spend

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. This card is not in our rankings, the calculator or the best-of lists until Punjab National Bank / Paisabazaar publishes terms we can cite.

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