PNB RuPay Select Debit Card – Benefits, Charges & Features Guide

Key Insights 

1. PNB RuPay Select Debit Card gets access to lounges both in India and abroad, making travel more comfortable with special entry privileges.

2. Users can make contactless payments up to ₹5,000, use the card internationally on Discover and Diner networks, and pay for metro rides.

3. The PNB RuPay Select Debit Card has a ₹500 fee for issuing, annual maintenance, and replacement, so you always know what to expect, and there are no hidden charges.

Get free airport access with your PNB RuPay Select debit card lounge access. Check the PNB Rupay select debit card charges, including issuance and annual fees. 

Find out your daily PNB Rupay select debit card withdrawal limit for cash needs. You can enjoy RuPay Select health and wellness benefits. Make your banking experience better today.

How to Use the PNB RuPay Select Debit Card?

Are you looking to get more from your PNB Rupay Select debit card benefits? Compare it with the PNB RuPay Platinum Debit Card to make the best choice. 

Enjoy free PNB Rupay Select debit card lounge access at airports, and check the PNB Rupay Select debit card charges in advance to get the most out of your banking.

Think of your PNB RuPay Select Debit Card as a wellness and travel companion. Like a gym membership with travel perks, it offers PNB Rupay Select debit card lounge access and health benefits. 

Unlike the standard PNB Rupay Platinum debit card, it provides enhanced PNB Rupay Select debit card benefits. Monitor PNB Rupay select debit card charges to optimise value.

Example:

I looked at both the PNB RuPay Platinum Debit Card and my Select card before deciding. The PNB Rupay Select debit card lounge access with the Select card saved me ₹2,000 at Chennai airport. Even with small PNB Rupay Select debit card charges, the wellness PNB Rupay Select debit card benefits made the Select card worth it.

Features and Benefits of PNB RuPay Select Debit Card

Enjoy special lifestyle perks with the PNB RuPay Select Debit Card. Get wellness benefits, access to airport lounges, and strong insurance coverage.

Here is the list of the features and benefits of PNB RuPay Select Debit Card:

 

• Personalised Debit Card
• You can use this card at any POS terminal, e-commerce website or app, and ATM across India.
• International Acceptance

This card works at Discover and Diner-enabled POS machines, ATMs, and e-commerce websites or apps. The POS and ATM must support Chip and PIN. Transactions without OTP or PIN are not allowed.

• Contactless transactions

You can make contactless payments up to ₹5000 per transaction without a PIN at NFC-enabled POS terminals. The daily limit for such transactions is ₹5000.

• Offline mode

The card also works in offline (NCMC) mode at participating merchants or operators where this feature is available, such as DMRC.

The PNB RuPay Select Debit Card makes life easier with contactless payments, works internationally, and can be used for offline transit. It offers the convenience and flexibility you can count on.

Bonus Tip: One card does it all. Use your RuPay NCMC Debit Card to shop and travel with ease.

Eligibility Criteria for PNB RuPay Select Debit Card

Salaried Individual (Regular & contractual employees of Government Department, Public Sector Undertaking, MNCs, Educational Institutions, Corporate, any industrial establishments, etc.) drawing a Monthly Gross Salary of ₹10,000/- to ₹25,000/-.

 
Fees and Charges for PNB RuPay Select Debit Card

Are you curious about the actual cost of the PNB RuPay Select Debit Card? Here is a clear breakdown of the issuance, annual, and transaction fees, so you always know what to expect.

Here is the list of the fees and charges for the PNB Rupee Select Debit card:
 

These are the Fees and charges for the PNB Rupee Select Debit Card.

How to Apply for PNB RuPay Select Debit Card?

Here are the simple steps for applying PNB Rupee Select Debit Card:
 

• Online (Netbanking):
  1. Log in to PNB Internet Banking.
  2. Navigate to “Cards” or “Value Added Services.”
  3. Select “Apply for Debit Card” and choose the “RuPay Select” variant.
  4. Submit the application.

• Offline (Branch): Visit any PNB branch, fill out the Debit Card application form, and submit it for a personalised card.

These are two methods of the PNB Rupee Select Debit Card.

Conclusion

The PNB RuPay Select Debit Card offers lifestyle perks alongside practical banking features. You can enjoy airport lounge access, make contactless payments, use the card internationally, and get wellness benefits. The fees are clear, and applying online is easy, making this card a good choice for salaried people who want extra value from their everyday spending.

FAQS

How does the Rupay Select debit card help customers? 

The RuPay Select debit card gives you premium benefits designed for your lifestyle. Enjoy free access to airport lounges in India and abroad, complimentary gym or spa sessions, and golf lessons. The card also offers contactless tap-and-pay security, personal accident insurance up to ₹10,00,000, and higher daily limits for shopping and ATM withdrawals.

Will the Rupay select benefits continue in 2026, or is that yet to be clarified by the Rupay guys? 

RuPay Select benefits will continue into 2026, but with new terms and features starting April 1, 2025, for the 2025-26 financial year. As of February 2026, redemption rules are stricter, such as allowing only one benefit every 24 hours for these premium cards.

Can Punjab National Bank replace my RuPay debit card with a MasterCard, or do I have to first block my existing RuPay card to get a new MasterCard?  

If you want to change your Punjab National Bank (PNB) RuPay debit card to a Mastercard, you can ask for a new card at your home branch or use online banking. In most cases, you do not need to block your current card before applying.

My PNB RuPay debit card has been blocked for making online purchases for security reasons. It is working in other services. How has it happened, and how do I open it?  

Your PNB RuPay card’s online shopping feature was probably turned off for security reasons, such as suspected fraud, several failed attempts, or because of RBI rules about inactivity. You can turn it back on right away using the PNB One App (go to Services, then Debit Card, then Enable/Disable) or through Internet Banking. Your card will still work at ATMs and in stores.

How can I use the airport lounge access with my RuPay card?

Just show your RuPay Debit card at any participating airport lounge to enjoy the complimentary lounge benefits.