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Punjab National Bank

PNB Rupay Select

RuPayMidCashback
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Annual Fee

₹500

Reward Type

Cashback

Forex

1%

Lounge

∞ dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining FeeFree
Annual Fee₹500

Rewards

Reward TypeCashback
Base Rate1.5%
Point Value₹1/point

Travel & Global

Forex Markup1%
Domestic LoungeUnlimited ✓
Intl. LoungeNone
Lounge NetworkRuPay

India-Specific

Fuel Surcharge✓ 1% waiver
RuPay UPI✓ UPI cashback

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💡 Fee Waiver Strategy

Spend ₹50,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 1.5%, you need to spend ₹33,334 annually.

🎯 Pro Tips

  • ▸Use for online shopping to maximize cashback.
  • ▸Pay utility bills for additional rewards.
  • ▸Use UPI for transactions to earn cashback.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹17,500

Effective Rate

1.5%

Ranked #38 of 173 cards#38

₹500 annual fee deducted from gross rewards value.

🏷️ Best For

cashbackshoppingutilities