Punjab National Bank · Mid
RuPay Select Card
Where it ranks across all 187 cards
#27 Fuel
0.3%
direct
#56 Wallet load
0.3%
direct
#60 EMI
0.3%
direct
#73 Insurance
0.3%
direct
#81 Education
0.3%
direct
#84 Utility bills
0.3%
direct
#112 Jewellery & watches
0.3%
direct
#116 Gaming
0.3%
direct
#124 Mobile / broadband
0.3%
direct
#132 Train tickets
0.3%
direct
#140 Cabs & transit
0.3%
direct
#149 Flights
0.3%
direct
#149 Hotels
0.3%
direct
#149 Health & pharmacy
0.3%
direct
#150 Other
0.3%
direct
#152 Groceries
0.3%
direct
#152 Electronics
0.3%
direct
#155 Dining out
0.3%
direct
#155 Movies & events
0.3%
direct
#156 Food delivery
0.3%
direct
#157 Online shopping
0.3%
direct
#158 Fashion
0.3%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules1 direct
Base rate - everything not covered below
0.33%base rate
2 pts / ₹150
source
Source: PNB Rupay Select Card - Fees, Eligibility, Limit - creditcard.pnb.bank.in - read 1 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on0 exclusions
Rare. No published exclusions on record for this card (EMI aside).
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.