PNB Rakshak RuPay Select Card

Joining fee

₹500 to join.

Annual fee

₹0

Add-on card fee

Joining fee and annual fee for add-on cards: Nil.

Welcome benefit

300+ reward points on 1st usage.

Lounge benefit

Complimentary Domestic and international Lounge Program.

Concierge

24/7 concierge services

Surcharge on railway tickets

IRCTC website: Up to 1.8% of the transaction amount.

Insurance benefit

Comprehensive insurance coverage

Balance transfer terms

1% of transfer amount or ₹199/-, whichever is higher.

Forex markup

3.5% on foreign currency transactions.3.50% of the transaction value over and above the currency conversion rate

Cash advance fee

2.5% of cash withdrawn or ₹400 at PNB ATMs (₹500 at other ATMs and overseas), whichever is higher, from 01 November 2026

Interest on unpaid balance

2.95% per month; 1.5% per month for cards against Fixed Deposit.

Interest-free period

20-50 days interest-free when you pay in full.

Late payment fee

Nil for ₹500 or less; ₹500 for ₹501 to ₹1000; ₹750 for ₹1001 to ₹10000; ₹1000 for ₹10001 to ₹50000; ₹1200 above ₹50000, from 01 November 2026

Over-limit fee

Over-limit Fee: The Bank may approve certain transactions attempted by the Cardholder which can breach the Credit Limit, an over limit-fee of 2.5% of the over-limit amount (subject to a minimum of ₹500/-) will be levied.

Statement or duplicate statement fee

₹50/- for all cards.

Reward redemption fee

Reward Redemption Fees ₹99 per redemption request.

Utility transaction fee

Utility Bill Fee 1% of total amount of Utility Payment, if the total amount exceeds ₹50,000/- in a billing cycle, maximum ₹2000/- per transaction

Grace days after the due date

Customers will be allowed a grace period of 3 days from the payment due date, where payments are not overdue.

Minimum amount due

Minimum Amount Due: The Minimum Amount Due shall be 5% of the outstanding amount or such other amount as may be determined by PNB at its sole discretion.