PNB RRB Co-branded RuPay Select Credit Card
10 points per full ₹300 eligible retail. ₹0.25/point, 1,000-point claim minimum and ₹99+GST redemption fee. Eligibility: Public applicants through participating PNB-sponsored RRB; issuer lists annual income ₹2.5 lakh.
Try your spend →How this estimate works
Public applicants through participating PNB-sponsored RRB; issuer lists annual income ₹2.5 lakh eligibility only. Ordinary eligible domestic-retail baseline: 10 PNB Reward Points per full ₹300, one eligible purchase each month repeated 12 times. Current issuer product states this card-specific rate, not copied from the general RuPay Select table. Current MITC sets ₹0.25 per point, with at least 1,000 points for redemption and ₹99+GST per request. When annual projected points reach 1,000, this model values them at ₹0.25 and deducts one ₹99+estimated 18% GST request. Below 1,000, no usable redemption is counted in this year, not permanently worthless points. Points expire after three years; redeem while card account is active and in good standing. Conservative first-year cost includes both ₹499 joining and ₹499 annual fee, plus estimated 18% GST. Joining reimbursement after ₹2,000 within 30 days, previous-year ₹2 lakh annual waiver and RRB-staff exceptions are not assumed; this can overstate first-year cost if the annual fee is not billed in year one. Fuel, utilities/insurance, education/government/tax, rent, cash, wallets, EMI, CSD and special merchant/payment routes are unscored because the input does not establish their eligibility or restricted merchant code. No ordinary-retail points cap is stated in retrieved product/MITC. For Army cards, CSD cashback and annual milestone points are omitted; the user does not select a verified CSD route and combining them with base earn is not assumed. For RRB, welcome and network vouchers are omitted. Foreign-currency charges, lounge benefits, fuel surcharge waivers and other offers are omitted. Merchant eligibility and sanctioned credit limit still apply. This is a narrow base-retail statement-value estimate, not the full card proposition.
Issuer terms
Card-specific earn, eligibility and fees · Current fees, point value, minimum and expiry · Current point-value notice
Terms checked 30 September 2026. Verify your eligibility, final fee offer and merchant classification.