Punjab National BankRuPay Network

Verified

Direct Bank Application via Official Issuer Portal

Shopping Airport Lounge

4.1/5 Editorial Score

PNB RuPay Select Patanjali Credit Card

Co-Branded Wellness & Retail Card with 2% Patanjali Savings & RuPay Select Perks

Best Suited For

Patanjali retail shoppers, ayurvedic wellness consumers, and families seeking health benefits, airport lounge visits, and high insurance cover.

Shopping Airport Lounge

Joining Fee

₹500

One-time upfront

Annual Fee

₹750

Waiver terms not verified

Base Rewards

2 Reward Points on every Rs. 150 spent, and 2% cashback on Patanjali products.

On eligible spends

Airport Lounge

8 Domestic + 2 International visits/year

Complimentary visits

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See where this card gets lounge access

Last verified 2 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.1/5 Editorial Score

The PNB RuPay Select Patanjali Credit Card is a landmark co-branded retail product created jointly by Punjab National Bank and Patanjali Ayurved. Positioned on NPCI's premium RuPay Select tier, the card carries a ₹500 joining fee and ₹750 annual renewal fee, delivering a unique combination of wellness cashback, airport lounge comfort, and high-value insurance. Cardholders earn 2% cashback/reward value on all purchases made across Patanjali Mega Stores, Patanjali Arogya Kendras, Swadeshi Samridhi stores, and the official Patanjali online shopping portal. On all other retail purchases and merchant UPI QR transactions, cardholders earn 1 reward point per ₹100. Points can be redeemed for statement credit or retail vouchers. As a certified RuPay Select card, it offers 1 complimentary domestic airport lounge visit per calendar quarter (4 visits per year) and complimentary wellness benefits including annual preventive health checkups and gym sessions via the RuPay concierge. The card also features extensive insurance coverage, including ₹10 Lakhs accidental death cover and ₹10 Lakhs permanent disability protection. The annual fee is waived upon spending ₹50,000 annually (or ₹10,000 at Patanjali stores). For households that buy ayurvedic groceries, herbal products, and daily staples from Patanjali while appreciating quarterly airport lounge visits, this card is exceptionally well-rounded.

Ideal For:Patanjali retail shoppers, ayurvedic wellness consumers, and families seeking health benefits, airport lounge visits, and high insurance cover.

Shopping Airport Lounge

Card Strengths

2% cashback/reward value on all purchases at Patanjali stores and online portal
1 complimentary domestic airport lounge visit per quarter via RuPay Select network
High insurance coverage including ₹10 Lakhs accidental death and disability cover
RuPay network integration enabling instant QR scanning on PhonePe and Google Pay
Dual annual fee waiver option: spend ₹50,000 overall or ₹10,000 at Patanjali outlets

Things to Keep in Mind

Annual renewal fee of ₹750 + GST is higher than basic public sector cards
Base reward earn rate on non-Patanjali retail is modest at 1 point per ₹100
Personal P2P UPI transfers earn zero reward points
Requires active Patanjali brand loyalty to maximize the 2% accelerated savings

Additional Cardholder Privileges

Rewards

2 Reward Points on every Rs. 150 spent, and 2% cashback on Patanjali products.

Welcome

Welcome Benefit 1

300 bonus Reward Points on the first transaction and 2x Reward Points for retail purchases within the first 90 days.

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: Patanjali Rewards
Reward Currency: PNB Reward Points
Base Earn Rate: 2 Reward Points on every Rs. 150 spent, and 2% cashback on Patanjali products.
Point Value (INR): ₹0.2500 per point
Redemption Channels: Refer to bank rewards portal
Reward Point Expiry: Refer to bank rewards program terms

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Patanjali Store Purchases	2% cashback on transactions above ₹2,500 at Patanjali retail stores (max ₹50 per txn)	50 INR (₹) / per transaction	Standard terms apply
Retail Merchandise	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	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Patanjali Store Purchases2.00%

Cap: ₹50/per_transaction

₹

Retail Merchandise1.00%

No published cap

₹

Other Retail Spends0.50%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Patanjali Store Purchases	₹6,000	2% cashback on transactions above ₹2,500 at Patanjali retail stores (max ₹50 per txn)	—	₹50/per_transaction	Calculating...	Under cap
Retail Merchandise	₹6,000	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	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹750

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹750 annual fee.

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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

Domestic Lounge Access

Airports within India

Included

Complimentary Visits: 8 complimentary visits per year
Spend Requirement: No spend requirement

2 complimentary domestic airport lounge visits per calendar quarter (8 per year)

International Lounge Access

Global airports outside India

Included

Complimentary Visits: 2 complimentary visits per year
Spend Requirement: No spend requirement
Access Type: International Lounge Program

2 complimentary international airport lounge visits per calendar year

Planning an upcoming departure?

Verify this card against live departure gates and specific terminal lounges across India.

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Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

See where this card gets lounge access

Airport Lounge Checker

Domestic Allowance8 Domestic + 2 International visits/year

Airport Coverage40+ Major Indian Airports

Lounge DirectoryView All Lounge Coverage

Representative Major Airport Lounges:

Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹500
Annual / Renewal Fee (2nd Year Onwards): ₹750
Annual Spend Fee Waiver: Waiver terms not verified
Fee Terms Notes: Patanjali co-branded premium credit card; annual fee waived on quarterly usage; 8 domestic + 2 intl lounges

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Joining Fee: ₹500 + GST; Annual Renewal Fee: ₹750 + GST. • Annual Fee Waiver: Spend ₹50,000 or more in an anniversary year (or ₹10,000 at Patanjali outlets) to waive the ₹750 renewal fee. • Patanjali Rewards: 2% cashback/reward return on purchases at Patanjali stores and online shopping portals. • General Rewards: 1 Reward Point per ₹100 on other retail transactions and merchant UPI scans. • Airport Lounge: 1 complimentary domestic airport lounge visit per calendar quarter via the RuPay Select network. • Insurance Protection: ₹10 Lakhs accidental death cover and ₹10 Lakhs permanent total disability insurance. • Exclusions: Fuel purchases, cash withdrawals, wallet reloads, and rent payments do not earn reward points.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹750 renewal fee.

Calculate Fee ROI

Eligibility & Application Requirements

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.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding PNB RuPay Select Patanjali Credit Card application, fees, reward redemption, and eligibility

What is the cashback rate on Patanjali products?

You earn a dedicated 2% cashback/reward return on all purchases made at Patanjali Mega Stores, Arogya Kendras, and the official Patanjali online shopping website.

Does the PNB Patanjali card provide airport lounge access?

Yes, because it is on the premium RuPay Select tier, cardholders enjoy 1 complimentary domestic airport lounge visit per calendar quarter (up to 4 visits per year).

How can the annual renewal fee be waived?

The ₹750 annual renewal fee is waived if you spend ₹50,000 or more across all retail categories, or if you spend at least ₹10,000 at Patanjali outlets within the card anniversary year.

What insurance coverage comes with this card?

The card provides comprehensive complimentary insurance including ₹10 Lakhs personal accidental death cover and ₹10 Lakhs permanent disability cover.

What is the joining and annual renewal fee for PNB RuPay Select Patanjali Credit Card?

The joining fee for PNB RuPay Select Patanjali Credit Card is ₹500 (one-time), and the annual renewal fee is ₹750 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on PNB RuPay Select Patanjali Credit Card be waived?

Official annual fee waiver spend terms are currently unverified for PNB RuPay Select Patanjali Credit Card. Refer to the official Punjab National Bank cardholder schedule of charges or bank portal for latest terms.

What are the primary rewards and cashback earn rates on PNB RuPay Select Patanjali Credit Card?

PNB RuPay Select Patanjali Credit Card offers 2 Reward Points on every Rs. 150 spent, and 2% cashback on Patanjali products.. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does PNB RuPay Select Patanjali Credit Card offer complimentary airport lounge access?

Yes, PNB RuPay Select Patanjali Credit Card provides 8 Domestic + 2 International visits/year.