PNB RuPay Select Patanjali Credit Card

Punjab National Bank recently collaborated with Patanjali Ayurved Limited to introduce two new co-branded credit cards on the RuPay network: PNB RuPay Select Patanjali and PNB RuPay Platinum Patanjali Credit Card. While the bank already offered non-co-branded versions of these cards, the introduction of co-branded variants aims to provide additional benefits to Patanjali’s loyal customers. The PNB RuPay Select Patanjali Credit Card offers a higher reward rate and enhanced benefits compared to the Platinum variant. With a Rs. 500 joining fee, it grants 300 Reward Points (equivalent to Rs. 150) as a welcome gift. The annual fee of Rs. 750 can be easily waived by using the card at least once every quarter.

Key Highlights of PNB RuPay Select Patanjali Credit Card

Unlock unparalleled benefits with the PNB RuPay Select Patanjali Credit Card.

  1. Joining Fee: Rs. 500/-
  2. Annual Fee: Nil (if card used once per quarter)
  3. 300+ reward points on 1st usage
  4. 2X rewards on retail merchandise
  5. Mobile App “PNB GENIE” for convenience
  6. Complimentary Domestic and International Lounge Program
  7. Comprehensive insurance coverage
  8. 300+ merchant offers available
  9. Cashback @ 2% on transactions over Rs. 2500, capped at Rs. 50 per transaction at Patanjali stores
  10. Additional 5-7% cashback by Patanjali Ayurved Ltd. on recharge using PNB-Patanjali Credit Card for Patanjali Swadeshi Samridhi Card customers.

Features and Benefits of PNB RuPay Select Patanjali Credit Card

The PNB RuPay Select Patanjali Credit Card offers several features and benefits:

  1. Joining fee: Rs.500; Annual fee: Rs.750.
  2. Manage your card with PNB Genie mobile app.
  3. No annual fee with quarterly card use.
  4. Credit limit: Rs.50,000 to Rs.10 lakh.
  5. Earn 2X reward points on retail purchases.
  6. First use bonus: 300+ reward points.
  7. Access domestic and international lounges.
  8. Enjoy 300+ merchant offers.
  9. 2% cashback on transactions over Rs.2,500.
  10. Patanjali Swadeshi Samridhi Card users get 5-7% additional cashback on PNB Patanjali RuPay Select recharges.
  11. Rs.10 lakh insurance for accidental death and personal total disability.
  12. Auto-debit, EMI, and add-on card options available.

PNB RuPay Select Patanjali Credit Card Fees and Charges

Explore the fee structure for the PNB RuPay Select Patanjali Credit Card and discover the financial advantages that come with it.

  1. Joining fee: Rs. 500, annual fee: Rs. 750 (waived off with quarterly usage).
  2. Interest rate: 2.95% per month.
  3. Foreign currency markup fee: 3.5% on total amount for all foreign spends.
  4. Cash advance charges:
  • PNB Domestic ATMs: 2%, min Rs. 150.
  • Other Domestic ATMs: 2%, min Rs. 200.
  • Overseas ATMs: 2%, min Rs. 300.

Eligibility Criteria for PNB RuPay Select Patanjali Credit Card

Here are essential criteria for applying for an PNB RuPay Select Patanjali Credit Card:

  1. Primary cardholder’s age: Must be between 21 and 65 years.
  2. Supplementary cardholder’s age: Should range from 18 to 65 years.
  3. Primary cardholder’s annual income requirement: Above Rs. 5 lakhs.

Documents Required for PNB RuPay Select Patanjali Credit Card

To apply for the PNB RuPay Select Patanjali Credit Card, you will typically need to provide the following documents:

  1. Choose from various officially valid documents (e.g., Aadhar Card, Driving Licence, Passport) for identity and address proof.
  2. Include a copy of your PAN Card for financial verification.
  3. Provide a recent photograph of yourself.
  4. If salaried, submit the latest 3 months’ salary slips; for self-employed individuals, furnish the latest Income Tax Return (ITR) as proof of income.

How to apply for PNB RuPay Select Patanjali Credit Card?

Follow these steps to apply for the PNB RuPay Select Patanjali Credit Card online:

  1. Navigate to Punjab National Bank’s official website.
  2. Access the ‘Resource Centre’ and select ‘Credit Card Application Form.’
  3. Download the form and print a hard copy.
  4. Complete the form, ensuring all necessary details are filled.
  5. Attach the specified documents.
  6. Submit the completed form to your nearest branch for processing.

Frequently Asked Questions (FAQs)

1. What is the PNB RuPay Select Patanjali Credit Card?

The PNB RuPay Select Patanjali Credit Card is a co-branded credit card offered by Punjab National Bank (PNB) in association with RuPay and Patanjali. It provides cardholders with exclusive benefits and rewards related to Patanjali products.

2. How can I apply for the PNB RuPay Select Patanjali Credit Card?

You can apply for the card by visiting the official PNB website or by visiting the nearest PNB branch. The application process typically involves submitting the required documents and meeting the eligibility criteria set by the bank.

3. What are the key features of the PNB RuPay Select Patanjali Credit Card?

The card comes with features such as cashback on Patanjali products, reward points on every transaction, exclusive discounts, and offers on partner merchants, and more. Check the official PNB website for the most up-to-date information on card features.

4. Is there an annual fee for the PNB RuPay Select Patanjali Credit Card?

Details about the annual fees, if any, can vary. Refer to the terms and conditions provided by PNB or contact the bank directly for the most accurate and current information on fees associated with the card.

5. What benefits do I get for using the PNB RuPay Select Patanjali Credit Card?

Cardholders can enjoy benefits such as cashback on Patanjali purchases, reward points on all transactions, discounts on partner merchants, and exclusive access to promotional offers. The specific benefits may be subject to change, and it’s advisable to check with the bank for the latest details.

6. Can I use the PNB RuPay Select Patanjali Credit Card internationally?

The card may come with international usage capabilities. Check with PNB to confirm the international acceptance of the PNB RuPay Select Patanjali Credit Card and understand any associated fees for foreign transactions.

7. How can I redeem the reward points earned with the PNB RuPay Select Patanjali Credit Card?

Redemption options for reward points can include Patanjali product discounts, vouchers, or other promotional offers. The bank will provide details on the redemption process, and it’s advisable to review the terms and conditions for specific redemption options.

8. How can I check the balance and transactions on my PNB RuPay Select Patanjali Credit Card?

Cardholders can check their balance and transactions through the PNB mobile banking app, internet banking portal, or by contacting the PNB customer service helpline.

9. What should I do if my PNB RuPay Select Patanjali Credit Card is lost or stolen?

In case of loss or theft, immediately contact PNB’s customer service helpline to report the incident. The bank will guide you through the process of blocking the card and issuing a replacement.

10. Are there any specific eligibility criteria for the PNB RuPay Select Patanjali Credit Card?

Eligibility criteria may include factors such as age, income, and creditworthiness. Check with PNB for the specific requirements and ensure that you meet the criteria before applying for the card.