PNB Patanjali RuPay Select Credit Card
2% cashback on a participating Patanjali-store purchase over ₹2,500, capped at ₹50 per transaction; ₹750 annual fee.
Try your spend →How this estimate works
PNB lists 2% cashback on Patanjali-store transactions over ₹2,500, capped at ₹50 per transaction. The calculator treats the entered monthly spend as one qualifying Patanjali-store purchase, not a total of several smaller purchases; a ₹2,500 purchase itself does not cross the “over” threshold. Other categories get zero here because the issuer-specific base reward terms and merchant coding cannot be confirmed for this co-brand variant. A separate 5–7% Patanjali Swadeshi Samridhi recharge benefit requires a participating membership and recharge route and is omitted, along with first-use reward points. The issuer’s current MITC lists ₹500 joining and ₹750 annual fees for PNB Patanjali Select, with the annual fee waived only after at least one card use in every quarter of the preceding year. This recurring ROI deducts ₹750 plus estimated GST, does not count the first-year joining fee and does not presume that the waiver was met. Check participating store, actual card variant, billed fee and offer availability.
Issuer terms
PNB Patanjali Select offer · PNB current MITC and co-brand fees
Terms checked 29 September 2026. Verify merchant participation and actual billed fees.