Premium RuPay UPI Card — 4 Global Lounges, Spa & Wellness Perks at Just ₹500
Value-seeking professionals who want the premium lifestyle privileges of the RuPay Select tier (domestic + international lounges, wellness perks, spa) combined with everyday UPI payments.
₹500
One-time upfront₹500
No spend-based fee waiver2 Reward Points on every spend of Rs. 150.
On eligible spends8 Domestic + 2 International visits/year
Complimentary visitsLast verified 9 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The PNB RuPay Select Credit Card is arguably the most feature-packed public-sector credit card available at the ₹500 price point, delivering premium perks that typically cost ₹1,500 to ₹3,000 on private bank cards. Operating on NPCI's flagship **RuPay Select** tier, the card unlocks a curated bouquet of lifestyle and wellness privileges: complimentary annual preventive health check-up packages, complimentary spa therapy sessions, discounted gym memberships via Cult.fit / FITPASS, and golf lessons. Travel benefits are remarkably broad for an entry-priced card: cardholders receive 2 complimentary domestic airport lounge visits and 2 complimentary international airport lounge visits per calendar year via the RuPay Select lounge programme. As a native RuPay card, it links directly with Google Pay, PhonePe, and Paytm, enabling UPI credit payments at local merchants with 30-45 days of interest-free billing. Additionally, cardholders receive comprehensive ₹10,00,000 Accidental Death and Permanent Disability insurance coverage through NPCI. The main constraint is reward earn velocity: base retail spending earns 1 Reward Point per ₹100 (~0.25% value return), which is modest compared to cashback cards. The wellness and spa bookings require advance reservation through the RuPay Select portal, which can have localized city availability constraints. However, as an affordable ₹500 card that provides both domestic and international airport lounge visits alongside wellness benefits and UPI convenience, PNB RuPay Select punches far above its weight.
2 Reward Points on every spend of Rs. 150.
300 bonus Reward Points.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Retail Merchandise & Dining | 2X Reward Points (4 Reward Points per ₹100 spent; 1.00% return; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Retail Spends | 2 Reward Points per ₹100 spent on general purchases (0.50% return) | 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 |
|---|---|---|---|---|---|---|
| Retail Merchandise & Dining | ₹12,000 | 2X Reward Points (4 Reward Points per ₹100 spent; 1.00% return; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent on general purchases (0.50% return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹500
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
• Joining Fee: ₹500 + 18% GST. • Annual Renewal Fee: ₹500 + 18% GST from Year 2 onwards. • RuPay UPI Integration: Native linkage to Google Pay, PhonePe, Paytm, and BHIM for QR merchant payments. • General Retail Spends: 1 Reward Point per ₹100 spent on eligible retail transactions. • Accelerated Spends: 2 Reward Points per ₹100 on retail shopping categories. • Point Valuation: 1 Reward Point ≈ ₹0.25. Redeemable via PNB Rewardz. • Domestic Lounge Access: 2 complimentary domestic airport lounge visits per calendar year via RuPay Select. • International Lounge Access: 2 complimentary international airport lounge visits per calendar year via RuPay Select. • Wellness & Spa Perks: Complimentary annual health check-up, complimentary spa sessions, and gym access via RuPay Select portal. • Complimentary Insurance: Up to ₹10,00,000 Accidental Death and Permanent Total Disability insurance coverage. • Fuel Surcharge Waiver: 1% waiver on fuel purchases between ₹500 and ₹4,000 across petrol pumps in India. • Foreign Currency Markup: 3.50% + GST on international transactions. • Finance Charges (APR): 2.95% per month (35.40% annualized) on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹500 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 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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