PNB RuPay Select credit card
Public-sector RuPay card with UPI, 2 points per ₹150 and domestic lounge access.
Source: Punjab National Bank – PNB RuPay Select product page · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
Why it fits – and what to watch
hover any tile for the detail! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here.
Where the money comes from
₹2,716/yr · 0.7%How the score of 46 is built
weights total 100% · methodologyAirport lounges with this card
Open Lounge Finder →How you get in: RuPay lounge programme · issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 4 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via RuPay lounge programme verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via RuPay lounge programme verified
- ✈T1 Encalm Lounge (T1) Encalm · via RuPay lounge programme verified
- ✈T2 Encalm Lounge (T2) Encalm · via RuPay lounge programme verified
BOM Mumbai 3 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via RuPay lounge programme verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via RuPay lounge programme check at desk
- ✈T1 Adani Lounge (T1) Adani Airports · via RuPay lounge programme verified
BLR Bengaluru 2 lounges
- ✈T2 080 Domestic Lounge BIAL · via RuPay lounge programme verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via RuPay lounge programme verified
MAA Chennai 2 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via RuPay lounge programme verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via RuPay lounge programme check at desk
HYD Hyderabad 2 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via RuPay lounge programme verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via RuPay lounge programme verified
IXA Agartala 1 lounge
- ✈Main Agartala Airport Lounge Airport partner · via RuPay lounge programme check at desk
AMD Ahmedabad 1 lounge
- ✈T1 Adani Lounge (Domestic) Adani Airports · via RuPay lounge programme verified
ATQ Amritsar 1 lounge
- ✈Main Bird Lounge (Domestic) Bird Group · via RuPay lounge programme check at desk
AYJ Ayodhya 1 lounge
- ✈Main Adani Lounge (Ayodhya) Adani Airports · via RuPay lounge programme check at desk
IXB Bagdogra 1 lounge
- ✈Main Bagdogra Airport Lounge Airport partner · via RuPay lounge programme check at desk
BHO Bhopal 1 lounge
- ✈Main Bhopal Airport Lounge Airport partner · via RuPay lounge programme check at desk
BBI Bhubaneswar 1 lounge
- ✈T1 Bhubaneswar Airport Lounge Airport partner · via RuPay lounge programme check at desk
+ 30 more airports in the Lounge Finder.
Card facts
At a glance
- UPI rewards
- Lounge on a ₹500 card
- PSU bank eligibility
- Low earn
- Basic app
- Few offers
Community Q&A on the PNB RuPay Select
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the Punjab National Bank PNB RuPay Select?
Joining fee ₹500 and renewal fee ₹500, plus 18% GST (₹590 a year). The renewal fee is waived if you spend ₹1,00,000 in the card year.
Does the PNB RuPay Select give airport lounge access?
8 domestic/yr. 2 domestic per quarter (RuPay Select).
How much can I save with the PNB RuPay Select?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹2,716 a year, an effective savings rate of 0.7% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the PNB RuPay Select's reward exclusions and caps?
No rewards on fuel, rent. No monthly caps on the main earn rates.
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.