HDFC Bank
Data verifiedIRCTC HDFC Bank Credit Card
RuPay card that earns on UPI and returns 5% on IRCTC rail bookings with railway lounge access.
5% on IRCTC bookingsLounge access
Annual fee
₹500 + GST
Punjab National Bank · RuPay Select
PNB RuPay Select
Bundled insurance cover and lounge access for PNB customers who pay mostly by UPI.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Joining fee ₹500 + GST, renewal ₹500 + GST.
- Annual fee waives once you spend ₹1,00,000 in a card year.
- Headline earn rate: 2 pts per ₹100 incl. UPI.
- Includes complimentary airport lounge access (visit counts vary by tier and spend).
Also worth comparing for pnb account holders
Canara Bank
Data verifiedCanara Bank RuPay Select
RuPay Select benefits include lounge visits, gym offers and rewards on UPI spend.
2 pts per ₹100 incl. UPILounge access
Annual fee
₹500 + GST
Union Bank of India
Data verifiedUnion Bank RuPay Select
Affordable RuPay Select card with domestic lounge access and UPI-linked rewards.
2 pts per ₹100 incl. UPILounge access
Annual fee
₹499 + GST
Ready to apply for the PNB RuPay Select?
Takes under a minute. We hand you off to Punjab National Bank's official secure application — no middlemen, no data resold.