rewards
PNB Rakshak RuPay Select Credit Card
The higher-tier Rakshak card with accelerated rewards, RuPay lounge benefits and no joining fee.
Annual Fee
₹750+GST; waived if card is used at least once in every quarter of the preceding year
Rewards
2X rewards on retail merchandise + 300+ reward points on first usage
Lounge Access
Complimentary domestic and international RuPay lounge programme; PNB does not state a fixed current visit count on the card page
Fuel Waiver
1% on eligible fuel transactions above ₹400 and below ₹4,000, capped at ₹350/billing cycle
Milestone
Quarterly usage waives annual fee
Best For
Defence and security personnel wanting stronger rewards and lounge access
Welcome Offer
300+ reward points on first usage
Type
Rewards
Description
PNB Rakshak RuPay Select is the premium variant of PNB's Rakshak credit-card range. It has no joining fee and carries a ₹750+GST annual fee, with PNB's live product page stating that the charge is effectively waived when the card is used at least once every quarter. The card offers 2X reward points on retail merchandise, 300+ first-use reward points, complimentary domestic and international RuPay lounge programme access, cashback offers, insurance coverage and 24x7 concierge support.
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