PNB RRB Co-branded RuPay Select
KeepA rural-bank card with a real credit line — and an earn PNB has never published.
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 #531
Why #531 Sold through the eight regional rural banks PNB sponsors, so it is not a card a general reader can walk in and apply for. It is carried, not valued: PNB prices the card in two documents and publishes no earn table row for it anywhere, so there is no rate to rank.
The take
This is the card the eight regional rural banks Punjab National Bank sponsors put in front of their customers, issued on PNB's licence with the RRB's brand on the front. For a customer of a gramin bank the alternative is usually no credit card at all, and what PNB offers here is not a token line: the sanction runs from ₹50,000 to ₹15,00,000, wider at the top than PNB's own Visa Platinum and second only to the LUXURA metal cards on the whole shelf. The price is ₹499 to take out and ₹499 a year, and both are escapable. PNB refunds the issue charge outright on ₹2,000 of spend within 30 days of activation — a bar a first-time cardholder clears with one week's groceries — and waives the annual charge on ₹2,00,000 of spend in the previous year. Staff of the sponsoring RRB pay nothing to take the card out at all, and get the annual charge waived on a much softer test: one use in every calendar quarter. What this desk cannot tell you is what the card pays back, and that is not an omission here. PNB states a points rate in exactly one place — the Rewardz programme page, which lists every variant by its card BIN — and the RRB co-brand has no row on it. Nor does the retail MITC, nor the Key Fact Statement. The card's name says RuPay Select, and PNB's fee schedule does file it in the Select tier for fuel-surcharge purposes, with the ₹350 monthly waiver cap Select and Millennial get rather than the ₹250 Platinum gets. That is a real benefit and it is sourced. The reward rate is not, so it is not stated. Assume nothing, and ask the branch for the rate in writing before you count on it.
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
- Credit limit from ₹50,000 to ₹15,00,000 — wider at the top than PNB's own Visa Platinum
- The ₹499 issue charge is refunded outright on ₹2,000 of spend within 30 days of card activation
- ₹499 a year, waived on ₹2,00,000 of spend in the previous year
- Staff of the sponsoring RRB pay nothing on issue, and get the annual charge waived on one use a quarter
- Filed in PNB's Select fuel tier: 1% surcharge waived to a cap of ₹350 a billing cycle, against ₹250 for Platinum
- Add-on cards carry no charge, on issue or annually
- Available through all eight regional rural banks PNB sponsors, on one set of terms
Watch out
- PNB HAS NOT PUBLISHED WHAT THIS CARD EARNS. Its Rewardz page states a rate for every other variant by BIN and has no row for the RRB co-brand, so this desk carries the card without valuing it, ranking it or putting it in the calculator
- Not open to a general applicant — it is sold through the sponsoring regional rural bank
- No lounge access is claimed for any PNB card in any PNB document, this one included
- 3.50% forex markup — PNB's nil-markup benefit belongs to the LUXURA metal cards alone
- The annual waiver bar for a public applicant is ₹2,00,000 of spend, four times what a first-time cardholder is likely to put through a rural-bank card
- Revolving interest on PNB's retail cards is 2.95% a month, a 35.89% annual compounded rate
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 →
Does your spend count toward the fee waiver?
not published — and we say which
₹2,00,000 a year is the bar that waives the ₹499 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Punjab National Bank states what the PNB RRB Co-branded RuPay Select earns, but has not published which spend categories count toward the fee waiver — the ₹2,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
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.
Invite-only — there is no public application form. The bank calls you.
Through the sponsoring regional rural bank, not through PNB directly and not online. PNB's Credit Card Business Policy describes the arrangement from its own side: "RBI permits RRBs to issue credit cards in collaboration with their sponsor bank or other banks. Bank may approach bank's sponsored regional rural Banks (RRBs) to enter into tie-up for issue of co-brand credit card." Ask for the earn rate in writing before accepting — PNB publishes one for every other card on its shelf and none for this one.
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 — 5 of them, each with the day we read it
- official PNB's own "Card Types" shelf on pnbcard.in — the enumerated consumer range, and the evidence that this card is not on it
- official PNB's Most Important Terms and Conditions for retail credit cards — the RRB co-brand fee row, its refund and waiver conditions, and the clause naming it as one card across eight banks
- official PNB's bank-wide Key Fact Statement — the ₹50,000-to-₹15,00,000 RRB credit-limit band, the ₹350 Select-tier fuel cap and the RRB staff concession
- official PNB Rewardz programme page — the per-variant earning table, read for this card and found to have no row for it
- official PNB's Credit Card Business Policy — the RRB co-branding arrangement in the bank's own words