Exclusive Armed Forces Credit Card with Lifetime Free Perks & RuPay Select Benefits
Serving and retired Indian Armed Forces and Paramilitary personnel looking for zero maintenance fees, high accident insurance, and RuPay UPI functionality.
Free
One-time upfrontFree
Lifetime Free — no renewal feeStandard Points
On eligible spends8 Domestic + 2 International visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The PNB Rakshak RuPay Select Credit Card is a specialized institutional payment card dedicated to the brave personnel of the Indian Armed Forces, Paramilitary forces, and state police services. Offered by Punjab National Bank as a 100% Lifetime Free credit card, it reflects institutional gratitude by eliminating all joining and annual fees. The card is packed with high-value RuPay Select privileges: cardholders receive complimentary domestic airport lounge visits, annual comprehensive health checkups, complimentary spa sessions, and curated golf access. Crucially for defense families, it provides extensive complimentary personal air accident insurance cover up to ₹50 Lakhs, alongside disability insurance protection. Built on the RuPay network, it enables seamless linking to UPI applications like BHIM, PhonePe, and Google Pay for instant QR code payments anywhere in India, making it an indispensable everyday defense card.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Utility & Restaurant Spends | 2X Reward Points (4 Reward Points per ₹100 spent; 1.00% return; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Spends | 2 Reward Points per ₹100 spent | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Utility & Restaurant Spends | ₹12,000 | 2X Reward Points (4 Reward Points per ₹100 spent; 1.00% return; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Spends | ₹18,000 | 2 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Exclusively for serving and retired personnel of the Indian Army, Navy, Air Force, Coast Guard, Paramilitary (CRPF, BSF, ITBP, CISF, SSB), and Police forces. • Joining & Annual Fee: ₹0 (Lifetime Free with no hidden maintenance fees or recurring charges). • Insurance Protection: Complimentary personal accidental insurance cover of up to ₹50 Lakhs for defense personnel. • RuPay Select Privileges: Complimentary domestic airport lounge access, annual health checkup, spa access, and golf lessons via the RuPay Select portal. • UPI Payments: Seamlessly link to UPI applications (BHIM, Google Pay, PhonePe) for fast merchant QR code payments. • Reward Points: Earn 2 reward points per ₹100 on retail purchases with accelerated rewards on utility and grocery spends. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (maximum waiver ₹250 per statement). • Preferential Interest: Concessional finance charges starting from 2.95% per month on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding PNB Rakshak RuPay Select Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Punjab National Bank portal with paperless verification.
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Best for: Indian Armed Forces personnel, paramilitary forces, defense veterans, and military families seeking a zero-fee credit card with high insurance protection and UPI payments.
Rewards: 2 Reward Points per ₹100 spent (0.50% value) + 3% Cashback on CSD Canteen Spends
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Best for: Secured cardholders seeking complimentary domestic airport lounge access alongside daily UPI rewards.
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Best for: Serving and retired Indian Army officers and personnel seeking top-tier lifestyle luxury with zero annual maintenance fees.
Rewards: 2 Reward Points on every retail spend of Rs. 100 and 10 Reward Points for every Rs. 100 spent on departmental stores & groceries.
Lounge access: 1 Domestic visits/quarter · ₹40k quarterly spend required
Last verified 3 Oct 2026
Best for: Zero Forex Markup, Scapia Travel Rewards & RuPay UPI
Rewards: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.
Lounge access: Unlimited Domestic visits · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
Last verified 15 Oct 2026
