5 Best PNB Rupay Credit Card for UPI: List, Features & Benefits

Do you use UPI for your online transactions? If yes, then you might be interested in knowing about the best credit cards that support UPI and offer you various benefits and features.

PNB offers five types of Rupay Credit Cards for different segments of customers, each with its own features, benefits, fees, eligibility, and application process.

PNB Rupay Credit Card is a type of credit card issued by Punjab National Bank (PNB) in collaboration with National Payments Corporation of India (NPCI).

In this article, we will compare the 5 best PNB Rupay Credit Cards for UPI and help you choose the one that suits your needs and preferences.

PNB Patanjali Platinum Rupay Credit Card

The first credit card that we will discuss is the PNB Patanjali Platinum Rupay Credit Card. This credit card is specially designed for the Patanjali loyalists, who want to earn rewards and enjoy benefits on their purchases of Patanjali products and other categories.

Benefits and Features

The PNB Patanjali Platinum Rupay Credit Card offers you the following benefits and features:

  • Earn 5 reward points for every Rs. 100 spent on Patanjali products and 2 reward points for every Rs. 100 spent on other categories. You can redeem your reward points for Patanjali vouchers or other products and services.
  • Get complimentary lounge access at select airports in India, up to 2 times per quarter. You can relax and refresh yourself at the lounge before your flight or during transit.
  • Enjoy zero fuel surcharge on transactions between Rs. 400 and Rs. 4,000 at any petrol pump in India. You can save up to Rs. 250 per month on your fuel expenses.
  • Get free personal accident insurance cover of Rs. 2 lakhs and free credit shield cover of Rs. 50,000. You can get financial protection in case of accidental death or permanent disability, or in case of loss or theft of your card.

Fees and Charges

The PNB Patanjali Platinum Rupay Credit Card charges you the following fees and charges:

  • Annual fee: Rs. 500, waived off if you spend Rs. 50,000 or more in a year.
  • Joining fee: Rs. 500, waived off if you apply online and spend Rs. 5,000 or more within 60 days of card issuance.
  • Interest rate: 2.5% per month or 30% per annum.
  • Cash advance fee: 2.5% of the amount withdrawn or Rs. 300, whichever is higher.
  • Late payment fee: Rs. 100 to Rs. 1,000, depending on the outstanding balance.
  • Over limit fee: 2.5% of the over limit amount or Rs. 500, whichever is higher.

Eligibility Criteria

The PNB Patanjali Platinum Rupay Credit Card has the following eligibility criteria:

  • You must be an Indian citizen and a resident of India.
  • You must be at least 18 years old and not more than 65 years old.
  • You must have a good credit score and a stable source of income.
  • You must have a savings or current account with PNB or any other bank.

How to Apply

You can apply for the PNB Patanjali Platinum Rupay Credit Card in the following ways:

  • Online: You can visit the official website of PNB and fill out the online application form with your personal and professional details. You can also upload the required documents, such as identity proof, address proof, income proof, and PAN card. You will get an instant approval or rejection based on your eligibility and credit history. If approved, you will receive your card within 7 to 10 working days.

The PNB Patanjali Platinum Rupay Credit Card is one of the best credit cards for UPI transactions, especially for those who are loyal to Patanjali products and want to earn rewards and enjoy benefits on their purchases.

This credit card offers a high reward rate, complimentary lounge access, zero fuel surcharge, and free insurance cover, which make it a convenient and secure option for UPI users.

PNB Rupay Credit Card

PNB Patanjali Platinum Rupay Credit Card

PNB Patanjali Select Rupay Card

The second credit card that we will discuss is the PNB Patanjali Select Rupay Card. This credit card is another option for the Patanjali enthusiasts, who want to earn rewards and enjoy benefits on their purchases of Patanjali products and other categories.

Benefits and Features

The PNB Patanjali Select Rupay Card offers you the following benefits and features:

  • Earn 4 reward points for every Rs. 100 spent on Patanjali products and 1 reward point for every Rs. 100 spent on other categories. You can redeem your reward points for Patanjali vouchers or other products and services.
  • Get complimentary lounge access at select airports in India, up to 2 times per quarter. You can relax and refresh yourself at the lounge before your flight or during transit.
  • Enjoy zero fuel surcharge on transactions between Rs. 400 and Rs. 4,000 at any petrol pump in India. You can save up to Rs. 250 per month on your fuel expenses.
  • Get free personal accident insurance cover of Rs. 1 lakh and free credit shield cover of Rs. 25,000. You can get financial protection in case of accidental death or permanent disability, or in case of loss or theft of your card.

Fees and Charges

The PNB Patanjali Select Rupay Card charges you the following fees and charges:

  • Annual fee: Rs. 300, waived off if you spend Rs. 30,000 or more in a year.
  • Joining fee: Rs. 300, waived off if you apply online and spend Rs. 3,000 or more within 60 days of card issuance.
  • Interest rate: 2.5% per month or 30% per annum.
  • Cash advance fee: 2.5% of the amount withdrawn or Rs. 300, whichever is higher.
  • Late payment fee: Rs. 100 to Rs. 1,000, depending on the outstanding balance.
  • Over limit fee: 2.5% of the over limit amount or Rs. 500, whichever is higher.

Eligibility Criteria

The PNB Patanjali Select Rupay Card has the same eligibility criteria as the PNB Patanjali Platinum Rupay Credit Card, which are:

  • You must be an Indian citizen and a resident of India.
  • You must be at least 18 years old and not more than 65 years old.
  • You must have a good credit score and a stable source of income.
  • You must have a savings or current account with PNB or any other bank.

How to Apply

You can apply for the PNB Patanjali Select Rupay Card in the same ways as the PNB Patanjali Platinum Rupay Credit Card, which are:

  • Online: You can visit the official website of PNB and fill out the online application form with your personal and professional details. You can also upload the required documents, such as identity proof, address proof, income proof, and PAN card. You will get an instant approval or rejection based on your eligibility and credit history. If approved, you will receive your card within 7 to 10 working days.

The PNB Patanjali Select Rupay Card is another credit card for UPI transactions, especially for those who are loyal to Patanjali products and want to earn rewards and enjoy benefits on their purchases.

This credit card offers a lower reward rate, but also has a lower annual fee and a higher credit limit than the PNB Patanjali Platinum Rupay Credit Card.

PNB Rupay Credit Card

PNB Patanjali Select Rupay Card

PNB Millennial Rupay Credit Card

The third credit card that we will discuss is the PNB Millennial Rupay Credit Card. This credit card is specially designed for the millennial generation, who want to earn cashback and enjoy discounts on their online transactions and lifestyle expenses.

Benefits and Features

The PNB Millennial Rupay Credit Card offers you the following benefits and features:

  • Earn 5% cashback on all online transactions, up to Rs. 500 per month. You can use your cashback to pay your credit card bill or redeem it for other products and services.
  • Get 10% discount on dining and entertainment, up to Rs. 1,000 per month. You can enjoy your favorite cuisines and movies at a lower price.
  • Enjoy zero fuel surcharge on transactions between Rs. 400 and Rs. 4,000 at any petrol pump in India. You can save up to Rs. 250 per month on your fuel expenses.
  • Get free personal accident insurance cover of Rs. 1 lakh and free credit shield cover of Rs. 25,000. You can get financial protection in case of accidental death or permanent disability, or in case of loss or theft of your card.
  • Avail flexible repayment options, such as EMI conversion, balance transfer, and revolving credit. You can manage your finances according to your convenience and cash flow.

Fees and Charges

The PNB Millennial Rupay Credit Card charges you the following fees and charges:

  • Annual fee: Rs. 500, waived off if you spend Rs. 50,000 or more in a year.
  • Joining fee: Rs. 500, waived off if you apply online and spend Rs. 5,000 or more within 60 days of card issuance.
  • Interest rate: 2.5% per month or 30% per annum.
  • Cash advance fee: 2.5% of the amount withdrawn or Rs. 300, whichever is higher.
  • Late payment fee: Rs. 100 to Rs. 1,000, depending on the outstanding balance.
  • Over limit fee: 2.5% of the over limit amount or Rs. 500, whichever is higher.

Eligibility Criteria

The PNB Millennial Rupay Credit Card has the same eligibility criteria as the PNB Patanjali Platinum Rupay Credit Card and the PNB Patanjali Select Rupay Card, which are:

  • You must be an Indian citizen and a resident of India.
  • You must be at least 18 years old and not more than 65 years old.
  • You must have a good credit score and a stable source of income.
  • You must have a savings or current account with PNB or any other bank.

How to Apply

You can apply for the PNB Millennial Rupay Credit Card in the same ways as the PNB Patanjali Platinum Rupay Credit Card and the PNB Patanjali Select Rupay Card, which are:

  • Online: You can visit the official website of PNB and fill out the online application form with your personal and professional details. You can also upload the required documents, such as identity proof, address proof, income proof, and PAN card. You will get an instant approval or rejection based on your eligibility and credit history. If approved, you will receive your card within 7 to 10 working days.
ALSO READ  6 Best SBI Rupay Credit Card: List, Features & Benefits

The PNB Millennial Rupay Credit Card is a credit card for UPI transactions, especially for those who are fond of online shopping and lifestyle expenses.

This credit card offers a high cashback rate, discounts on dining and entertainment, zero fuel surcharge, and flexible repayment options, which make it a suitable and attractive option for the millennial generation.

PNB Rupay Credit Card

PNB Millennial Rupay Credit Card

PNB Platinum Rupay Credit Card

The fourth credit card that we will discuss is the PNB Platinum Rupay Credit Card. This credit card is a premium choice for those who want to earn rewards and enjoy benefits on their high-value transactions and travel expenses.

Benefits and Features

The PNB Platinum Rupay Credit Card offers you the following benefits and features:

  • Earn 3 reward points for every Rs. 100 spent on any category. You can redeem your reward points for various products and services, such as air tickets, hotel bookings, gift vouchers, and more.
  • Get complimentary lounge access at select airports in India and abroad, up to 4 times per quarter. You can relax and refresh yourself at the lounge before your flight or during transit.
  • Enjoy zero fuel surcharge on transactions between Rs. 400 and Rs. 4,000 at any petrol pump in India. You can save up to Rs. 250 per month on your fuel expenses.
  • Get free personal accident insurance cover of Rs. 5 lakhs and free credit shield cover of Rs. 1 lakh. You can get financial protection in case of accidental death or permanent disability, or in case of loss or theft of your card.
  • Avail free concierge services, such as travel assistance, dining reservations, entertainment bookings, and more. You can get personalized and hassle-free assistance for your travel and lifestyle needs.

Fees and Charges

The PNB Platinum Rupay Credit Card charges you the following fees and charges:

  • Annual fee: Rs. 1,000, waived off if you spend Rs. 1 lakh or more in a year.
  • Joining fee: Rs. 1,000, waived off if you apply online and spend Rs. 10,000 or more within 60 days of card issuance.
  • Interest rate: 2.5% per month or 30% per annum.
  • Cash advance fee: 2.5% of the amount withdrawn or Rs. 300, whichever is higher.
  • Late payment fee: Rs. 100 to Rs. 1,000, depending on the outstanding balance.
  • Over limit fee: 2.5% of the over limit amount or Rs. 500, whichever is higher.

Eligibility Criteria

The PNB Platinum Rupay Credit Card has the same eligibility criteria as the PNB Patanjali Platinum Rupay Credit Card, the PNB Patanjali Select Rupay Card, and the PNB Millennial Rupay Credit Card, which are:

  • You must be an Indian citizen and a resident of India.
  • You must be at least 18 years old and not more than 65 years old.
  • You must have a good credit score and a stable source of income.
  • You must have a savings or current account with PNB or any other bank.

How to Apply

You can apply for the PNB Platinum Rupay Credit Card in the same ways as the PNB Patanjali Platinum Rupay Credit Card, the PNB Patanjali Select Rupay Card, and the PNB Millennial Rupay Credit Card, which are:

  • Online: You can visit the official website of PNB and fill out the online application form with your personal and professional details. You can also upload the required documents, such as identity proof, address proof, income proof, and PAN card. You will get an instant approval or rejection based on your eligibility and credit history. If approved, you will receive your card within 7 to 10 working days.

The PNB Platinum Rupay Credit Card is a credit card for UPI transactions, especially for those who want to earn rewards and enjoy benefits on their high-value transactions and travel expenses.

This credit card offers a higher reward rate, higher credit limit, higher lounge access, higher insurance cover, and free concierge services, which make it a premium and exclusive option for UPI users.

PNB Rupay Credit Card

PNB Platinum Rupay Credit Card

PNB Select Rupay Credit Card

The fifth and final credit card that we will discuss is the PNB Select Rupay Credit Card. This credit card is a unique and exclusive choice for those who want to earn unlimited rewards and enjoy unlimited benefits on their UPI transactions and other expenses.

Benefits and Features

The PNB Select Rupay Credit Card offers you the following benefits and features:

  • Earn unlimited reward points for every Rs. 100 spent on any category. You can redeem your reward points for various products and services, such as air tickets, hotel bookings, gift vouchers, and more.
  • Get unlimited lounge access at select airports in India and abroad. You can relax and refresh yourself at the lounge before your flight or during transit.
  • Enjoy unlimited fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000 at any petrol pump in India. You can save up to Rs. 250 per month on your fuel expenses.
  • Get free personal accident insurance cover of Rs. 10 lakhs and free credit shield cover of Rs. 2 lakhs. You can get financial protection in case of accidental death or permanent disability, or in case of loss or theft of your card.
  • Avail free concierge services, such as travel assistance, dining reservations, entertainment bookings, and more. You can get personalized and hassle-free assistance for your travel and lifestyle needs.

Fees and Charges

The PNB Select Rupay Credit Card charges you the following fees and charges:

  • Annual fee: Rs. 2,000, waived off if you spend Rs. 2 lakhs or more in a year.
  • Joining fee: Rs. 2,000, waived off if you apply online and spend Rs. 20,000 or more within 60 days of card issuance.
  • Interest rate: 2.5% per month or 30% per annum.
  • Cash advance fee: 2.5% of the amount withdrawn or Rs. 300, whichever is higher.
  • Late payment fee: Rs. 100 to Rs. 1,000, depending on the outstanding balance.
  • Over limit fee: 2.5% of the over limit amount or Rs. 500, whichever is higher.

Eligibility Criteria

The PNB Select Rupay Credit Card has the same eligibility criteria as the PNB Patanjali Platinum Rupay Credit Card, the PNB Patanjali Select Rupay Card, the PNB Millennial Rupay Credit Card, and the PNB Platinum Rupay Credit Card, which are:

  • You must be an Indian citizen and a resident of India.
  • You must be at least 18 years old and not more than 65 years old.
  • You must have a good credit score and a stable source of income.
  • You must have a savings or current account with PNB or any other bank.

How to Apply

You can apply for the PNB Select Rupay Credit Card in the same ways as the PNB Patanjali Platinum Rupay Credit Card, the PNB Patanjali Select Rupay Card, the PNB Millennial Rupay Credit Card, and the PNB Platinum Rupay Credit Card, which are:

  • Online: You can visit the official website of PNB and fill out the online application form with your personal and professional details. You can also upload the required documents, such as identity proof, address proof, income proof, and PAN card. You will get an instant approval or rejection based on your eligibility and credit history. If approved, you will receive your card within 7 to 10 working days.

The PNB Select Rupay Credit Card is a credit card for UPI transactions, especially for those who want to earn unlimited rewards and enjoy unlimited benefits on their UPI transactions and other expenses.

This credit card offers unlimited reward points, unlimited lounge access, unlimited fuel surcharge waiver, and unlimited concierge services, which make it a unique and exclusive option for UPI users.

PNB Rupay Credit Card

PNB Select Rupay Credit Card

Let’s Compare PNB Rupay Credit Card

Credit Card NameJoining FeeAnnual FeeReward RateBest For
PNB Patanjali Platinum Rupay Credit CardRs. 500 + GST (waived off on spending Rs. 5,000 within 60 days of card issuance)Rs. 500 + GST (waived off on spending Rs. 50,000 in a year)5 reward points for every Rs. 100 spent on Patanjali products and 2 reward points for every Rs. 100 spent on other categoriesShopping and Patanjali loyalists
PNB Patanjali Select Rupay CardRs. 300 + GST (waived off on spending Rs. 3,000 within 60 days of card issuance)Rs. 300 + GST (waived off on spending Rs. 30,000 in a year)4 reward points for every Rs. 100 spent on Patanjali products and 1 reward point for every Rs. 100 spent on other categoriesShopping and Patanjali enthusiasts
PNB Millennial Rupay Credit CardRs. 500 + GST (waived off on spending Rs. 5,000 within 60 days of card issuance)Rs. 500 + GST (waived off on spending Rs. 50,000 in a year)5% cashback on all online transactions, up to Rs. 500 per monthOnline shopping and lifestyle expenses
PNB Platinum Rupay Credit CardRs. 1,000 + GST (waived off on spending Rs. 10,000 within 60 days of card issuance)Rs. 1,000 + GST (waived off on spending Rs. 1 lakh in a year)3 reward points for every Rs. 100 spent on any categoryHigh-value transactions and travel expenses
PNB Select Rupay Credit CardRs. 2,000 + GST (waived off on spending Rs. 20,000 within 60 days of card issuance)Rs. 2,000 + GST (waived off on spending Rs. 2 lakhs in a year)Unlimited reward points for every Rs. 100 spent on any categoryUnlimited rewards and benefits on UPI transactions and other expenses

Conclusion

In this article, we have compared the 5 best PNB Rupay Credit Cards for UPI transactions and helped you choose the one that suits your needs and preferences.

We have discussed the features, benefits, fees, eligibility, and application process of each credit card, and highlighted the differences and similarities between them.

We hope that this article has helped you to choose the best PNB Rupay Credit Card for UPI transactions that meets your needs and preferences.

If you are interested in applying for any of these credit cards, you can visit the official website of PNB or the nearest PNB branch and follow the steps mentioned in this article. Alternatively, you can also contact the customer care of PNB at 1800 180 2222 or 1800 103 2222 for any queries or assistance.

FAQs

What is a PNB RuPay credit card?

A PNB RuPay credit card is a type of credit card issued by Punjab National Bank (PNB) in collaboration with RuPay, which is a domestic card payment network in India. A PNB RuPay credit card can be used for online and offline transactions, as well as for UPI transactions.

What are the benefits of a PNB RuPay credit card?

A PNB RuPay credit card offers various benefits to the cardholders, such as reward points, cashback, discounts, lounge access, fuel surcharge waiver, insurance cover, concierge services, and more. The benefits vary depending on the type of PNB RuPay credit card.

What are the types of PNB RuPay credit cards?

PNB offers five types of RuPay credit cards for different segments of customers, namely:
PNB Patanjali Platinum RuPay Credit Card: This credit card is specially designed for the Patanjali loyalists, who want to earn rewards and enjoy benefits on their purchases of Patanjali products and other categories.
PNB Patanjali Select RuPay Card: This credit card is another option for the Patanjali enthusiasts, who want to earn rewards and enjoy benefits on their purchases of Patanjali products and other categories.
PNB Millennial RuPay Credit Card: This credit card is specially designed for the millennial generation, who want to earn cashback and enjoy discounts on their online transactions and lifestyle expenses.
PNB Platinum RuPay Credit Card: This credit card is a premium choice for those who want to earn rewards and enjoy benefits on their high-value transactions and travel expenses.
PNB Select RuPay Credit Card: This credit card is a unique and exclusive choice for those who want to earn unlimited rewards and enjoy unlimited benefits on their UPI transactions and other expenses.

How can I apply for a PNB RuPay credit card?

You can apply for a PNB RuPay credit card online. To apply online, you can visit the official website of PNB and fill out the online application form with your personal and professional details. You can also upload the required documents, such as identity proof, address proof, income proof, and PAN card. You will get an instant approval or rejection based on your eligibility and credit history. If approved, you will receive your card within 7 to 10 working days.

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