✅ PNB Rupay Select card compatible with UPI to pay from your phone (domestic use)
✅ 300 reward points on the first purchase made within 90 days
✅ Airport lounge access: 2 per quarter in India and 2 per year abroad (domestic and international)
✅ Personal accident insurance of 10 lakh included with the card
✅ Annual fee of Rs 750 waived with at least one use in each quarter
Why does the Utua team recommend the PNB Rupay Select card?
The Utua team recommends the PNB Rupay Select card because it combines the convenience of UPI with the benefits of a credit card issued by Punjab National Bank, one of the most established banks in India. Since it belongs to the RuPay network, the card lets you pay at shops and merchants just by scanning a QR code, which simplifies your daily purchases.
Another highlight is the interest free period of 20 to 50 days, along with 300 points on the first purchase made within 90 days of receiving the card. The PNB Rupay Select card also offers a premium health checkup, golf and spa sessions and gym membership, all in the same package of benefits.
How UPI works with the PNB Rupay Select card
The PNB Rupay Select card is compatible with UPI, which means your credit limit can be used for QR code payments without handing over the physical card. This is possible because RuPay is the network the Reserve Bank of India has authorized for linking credit cards to UPI.
In practice, the PNB Rupay Select holder can link the card to a compatible payment app and use the limit for everyday purchases, such as groceries, pharmacies and transport. Contactless payments are also accepted, with a limit of Rs 5,000 per transaction without a PIN.
Author’s opinion
In Utua’s opinion, the PNB Rupay Select card stands out for combining the security of a traditional public sector bank with the convenience of UPI in everyday life. It is a card that rewards frequent use, since the annual fee can be waived and points start building from the very first purchase.
For anyone looking for a credit card with lounge access, insurance and wellness benefits, the PNB Rupay Select card is an option worth getting to know calmly and with attention to the details.
Want to know how to get the PNB Rupay Select card?
If you want to know more about how to get the PNB Rupay Select card, click the button below and check the complete step by step, with requirements, fees and guidance to apply for yours.
