Punjab National BankRuPay · UPI
PNB RuPay Select
Net savings₹2,716/yr
Savings rate0.7%
Annual feeWaived ₹590
Lounge✈8 dom
✓ Base rate 0.67% on other spends earns you about ₹1,947 a year on ₹2,90,640 of spend.
Issuer · 1 cards · updated 2026-09-19
Punjab National Bank credit cards, ranked
Every Punjab National Bank card scored in rupees for the standard profile – fee incl. GST, net savings, lounge rules and what changed recently.
Best Punjab National Bank credit card (Sept 2026): Punjab National Bank PNB RuPay Select – score 48/100, ₹2,716 net a year for the standard profile. 1 Punjab National Bank card on CardLens: 0 lifetime free, 1 with lounge access, 1 on RuPay UPI.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
Top 1 Punjab National Bank cards
All 1 Punjab National Bank cards
| # | Card | Score | Net savings / yr | Type | Annual fee | Lounge |
|---|---|---|---|---|---|---|
| 1 | PNB RuPay SelectPunjab National Bank | 48/100 | ₹2,716 0.7% rate | Entry-level · UPI · 3.5% forex | Waived | 8 domestic/yr |
Ranked by the open CardLens engine: rewards at realistic redemption value + milestones + waivers − fee incl. 18% GST − forex, for the spend profile stated above. Figures are estimates from public issuer terms – verify on the issuer page before applying. How the score works →
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Frequently asked questions
Which Punjab National Bank credit card is best?
For the standard ₹32k/month profile, Punjab National Bank PNB RuPay Select scores highest (48/100, ₹2,716 recurring net savings). Your own spend can change the order – use Find My Card.
Which Punjab National Bank credit card is lifetime free?
None of the Punjab National Bank cards on CardLens is lifetime free; the cheapest renewal fee is ₹590 incl. GST.
Which Punjab National Bank credit card gives airport lounge access?
PNB RuPay Select (8 domestic).