The verdict
A practical lifestyle and grocery card for households that regularly purchase Patanjali healthcare, ayurvedic, and grocery products. Delivering 8 domestic airport lounges per year and ₹10 Lakhs insurance at a modest ₹500 fee, it punches well above its weight class.
Spending ₹5,000/month on Patanjali products and groceries earns ₹1,200 annual value back + 1,200 reward points (~₹300). Adding 8 domestic airport lounge visits (~₹9,600), ₹600 fuel surcharge savings, and ₹1L spend fee waiver delivers over ₹11,700 in net annual lifestyle value against a ₹500 fee.
Cardholders who do not shop at Patanjali stores and want pure cashback across generic supermarkets will prefer SBI Cashback or Axis Airtel.
✓What works
- +2.0% direct value back on all purchases at Patanjali stores, Arogya Kendras, and patanjaliayurved.net.
- +2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year).
- +₹10 Lakhs complimentary personal accidental insurance cover.
- +300 bonus reward points upon card setup and initial transaction.
- +RuPay enabled for merchant UPI QR scan-and-pay transactions.
- +100% annual renewal fee waiver upon spending ₹1,00,000 in a card anniversary year.
✕What doesn't
- −₹500 + GST joining and renewal fee.
- −2% accelerated rate is restricted to official Patanjali outlets and portal.
What it earns
1 PNB Reward Point = ₹0.25 for statement credit or brand shopping vouchers on PNB Rewardz.
| Category | Rate | Monthly Cap | Per ₹1L spent |
|---|---|---|---|
| Patanjali Stores & Online Portal (2%) | 2.0% Value Back + 2 Pts / ₹100 | Uncapped | ₹2,000 Back + 2,000 Pts (~₹2,500 value) |
| All Other Domestic Retail Spends | 2 Points / ₹100 (0.50% value) | Uncapped | 2,000 Points (~₹500 value) |
| Fuel Purchases | 0% | Excluded | 0 Points |
Accelerated earn
2% Patanjali Savings + 8 Domestic Lounges
Save 2% at Patanjali stores and enjoy 8 domestic airport lounges per year.
| Category / Channel | Multiplier Rate | Monthly Cap | Cap / Condition |
|---|---|---|---|
| Patanjali Mega Stores & Website2% instant rebate / points at Patanjali outlets and online. | 4× · 2.0% Value Back | Uncapped | — |
| General Retail Purchases2 points per ₹100 across online and offline retail spending. | 1× · 2 Points / ₹100 (0.50%) | Uncapped | — |
Redemption options
Redeem points directly on PNB Rewardz portal for brand vouchers or statement credit.
| Redemption Channel | Value Per Point | Minimum | Ceiling / Limits | Fee |
|---|---|---|---|---|
| Patanjali Store Cashback / Loyalty CreditBEST VALUE | Direct 2% Value Back | Direct | None | Nil |
| PNB Rewardz Shopping & VouchersBEST VALUE | ₹0.25 / Reward Point | 500 pts | None | Nil |
Reward Scope: Inclusions & Exclusions
✓Eligible Spends (Inclusions)
- +Patanjali Mega Stores, Arogya Kendras, patanjaliayurved.net, and retail stores.
- +Domestic airport lounges (2 per quarter) and ₹10 Lakhs insurance.
- +1% fuel surcharge waiver across India.
✕Excluded Spends & Fee Traps
- −Fuel purchases (eligible for 1% surcharge waiver only).
- −ATM cash withdrawals.
Fee Schedule & Waiver Criteria
| Fee Component | Amount / Rate |
|---|---|
| Joining Fee | ₹500 + GST (Includes 300 Welcome Bonus Reward Points) |
| Annual Renewal Fee | ₹500 + GST (Waived on ₹1,00,000 annual spend) |
| Finance Charges (Interest Rate) | 2.95% per month (35.40% per annum) |
| Foreign Currency Markup | 3.50% + GST |
| Fuel Surcharge Waiver | 1% waiver on ₹500 to ₹4,000 transactions (Max ₹250/month) |
Eligibility & Approval Criteria
| Criteria | Requirement |
|---|---|
| Age Requirement | 21 to 65 years |
| Minimum Monthly Income | ₹20,000+ per month (Salaried) or ₹3L+ ITR (Self-Employed) |
| Credit Score (CIBIL) | 710+ recommended for smooth approval |
Frequently Asked Questions
Does PNB Patanjali RuPay Select Credit Card offer airport lounge access?
What are the MITC charges, annual fees, and interest rates for PNB Patanjali RuPay Select Credit Card?
What is the reward rate and point redemption value on PNB Patanjali RuPay Select Credit Card?
Which transactions are excluded from earning rewards on PNB Patanjali RuPay Select Credit Card?
Who is PNB Patanjali RuPay Select Credit Card best suited for in 2026?
Editorial Deep-Dive Analysis
Comprehensive Overview: PNB Patanjali RuPay Select Credit Card
The PNB Patanjali RuPay Select Credit Card is a co-branded retail and wellness credit card launched through a strategic partnership between Punjab National Bank and Patanjali Ayurved Limited on the NPCI RuPay Select platform. Priced with an accessible annual renewal fee of ₹500 + GST (which is 100% waived on spending ₹1,00,000 or more in retail transactions within the previous card anniversary year), the card merges domestic wellness incentives with premium travel perks.
The card’s distinguishing feature is its dual benefit structure: cardholders earn an accelerated 2.0% value back (in loyalty cashback or PNB Rewardz points) on all transactions at Patanjali Mega Stores, Arogya Kendras, Chikitsalayas, and the official Patanjali online portal, alongside a standard 2 reward points per ₹100 spent (0.50% return) on other domestic retail spending. Furthermore, it incorporates upper-tier travel privileges including 8 complimentary domestic airport lounge visits per year (2 visits per calendar quarter), ₹10 Lakhs personal accidental insurance cover, 300 welcome bonus reward points, and a 1% fuel surcharge waiver.
Key Privileges and Practical Everyday Benefits
- 2.0% Value Back on Patanjali Ecosystem Spends: Earn accelerated 2.0% returns (via reward points or direct billing discounts) at Patanjali franchise outlets, ayurvedic pharmacies, and web purchases.
- 8 Complimentary Domestic Airport Lounges Annually: Access domestic airport lounges across major Indian cities with 2 complimentary visits per calendar quarter.
- Comprehensive ₹10 Lakhs Accidental Cover: Complimentary personal accidental death and permanent disability insurance coverage of ₹10 Lakhs for the cardholder.
- RuPay Credit on UPI Connectivity: Seamlessly link the card with BHIM, PhonePe, Paytm, or Google Pay for daily QR scan-and-pay transactions at neighborhood vendors.
- Practical ₹1 Lakh Annual Spend Fee Waiver: The ₹500 annual renewal fee is reversed completely upon achieving ₹1,00,000 in eligible household spending during the anniversary year.
Important Terms and Spend Conditions to Keep in Mind
- Quarterly Lounge Cap: Domestic lounge access is allocated as 2 complimentary visits per calendar quarter; unused visits lapse at quarter-end.
- Patanjali Merchant Scoping: Accelerated 2.0% benefits apply strictly to official Patanjali merchant codes (MCCs) and certified retail points of sale.
- Base Reward Earn Rate: General retail purchases outside the Patanjali network earn a standard 2 reward points per ₹100 spent (0.50% return at ₹0.25/pt).
- Exclusion Categories: Fuel transactions, ATM cash withdrawals, and wallet reloads are excluded from earning reward points.
- Fuel Surcharge Cap: The 1% fuel surcharge waiver is valid for fuel bills between ₹500 and ₹4,000, capped at ₹250 per statement month.
Who Benefits Most
- Patanjali & Ayurvedic Wellness Shoppers: Households that regularly purchase groceries, organic foods, and supplements from Patanjali stores and want 2.0% returns.
- Frequent Domestic Travelers: Cardholders who prioritize 8 airport lounge visits annually at an entry-level ₹500 annual fee.
- Health-Conscious Families: Consumers looking for a dependable co-branded card offering ₹10 Lakhs insurance cover and accessible spend waiver terms.
- Punjab National Bank — PNB Patanjali RuPay Select Credit Card official schedule of charges and MITC
- Patanjali Ayurved Limited & NPCI Partnership — 2% Patanjali rewards, ₹10L insurance, 8 domestic lounge visits & RuPay UPI terms
Independent Editorial & Statutory Disclaimers
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CredSutra operates as an independent credit card discovery and consumer intelligence engine. CredSutra is NOT a bank, Non-Banking Financial Company (NBFC), Direct Selling Agent (DSA), or Lending Service Provider (LSP).