The most rewarding debit card! PNB Imperial RSDC

[shazansalim]

Today, I’m sharing my experience of getting the PNB Rupay Select Imperial Debit Card — and honestly, this isn’t just another debit card, it’s one of the most rewarding ones currently available in India.

Let me start from the beginning — I had applied for this Debit Card recently (the only reason I opened an account with PNB) The benefits and vouchers that come bundled with the Imperial variant easily exceed ₹16,000 in total value (maybe even more, I haven’t done the exact math yet!).

What makes it even more interesting is that PNB allows up to two add-on cards, meaning you can actually have three Imperial Debit Cards linked to a single account.

Although a few posts on Technofino already discuss PNB’s new debit card lineup, I wanted to make a dedicated thread exclusively for the Imperial Debit Card — so that anyone planning to apply or looking for real-world experiences can find everything here and discuss their queries directly related to this.

Eligibility: You need to open a basic savings account with PNB (Unnati savings scheme). Then you have to transfer 1 lac into the account in order to be eligible. I have enquired from the people already holding the cars that the balance does not need to be maintained, also PNB does not have any non maintenance charges. If you think any debit card
beats these benefits in the pics shared, let me know!
Only offline application possible.

Code: SAI

Issuance: 708

Annual fee: Around 1100

Benefits:

🛫 Lounge Access

Domestic Airport Lounges:
1 complimentary visit per calendar quarter, per card, at participating domestic airport lounges.

International Airport Lounges:
1 complimentary visit per calendar quarter, per card, at participating international airport lounges.

🎬 OTT Subscription

Annual subscription (choice of one):
Amazon Prime or Disney+ Hotstar.

🛡️ Personal Accident Insurance Cover

Coverage up to ₹10 lakh for Permanent Total Disability or Accidental Death.
(T&C apply)

🧬 Medical Check-up

Complimentary health check-up once per calendar year at SRL Diagnostics / Thyrocare.

💊 Apollo Pharmacy

Voucher worth ₹250 once per calendar quarter.

🏋️‍♂️ Gym / Cult.fit

90 days Cult Live (Home Workouts) membership — once per calendar quarter.

💆‍♀️ SPA / Salon Services

1 complementary SPA session or salon service per calendar half-year at:
The Four Fountains Spa, Kairali Ayurvedic Spa, Aroma Thai Spa, O2 Spa, or Lakme Salon (E-Gift Card).

⛳ Golf Privileges

1 complimentary golf lesson or round per calendar quarter via Golftripz.

🛒 Shopping & Lifestyle Vouchers

Blinkit: ₹250 voucher once per calendar quarter.

Decathlon: ₹500 voucher once per calendar quarter.

Kalyan Jewellers: ₹2000 voucher once per calendar half-year.

Myntra: ₹500 voucher once per calendar quarter.

Reliance Digital: ₹500 voucher once per calendar quarter.

MakeMyTrip: Flat 10% off (up to ₹1500) once per calendar year.

ClearTax: Voucher worth ₹2950 once per calendar year.

🍔 Food & Entertainment

Swiggy One: 3 months membership once per calendar year.

BookMyShow: ₹250 voucher once per calendar quarter.

Gaana Subscription: Annual membership once per year.

 

[aries]

How long does it take for the Unnati account to be opened online? Do I need to wait till physical kit delivery? If not, can I open in the morning, fund 1L and go to the branch couple of hours later for the RSDC?

 

[0xpratyush]

Try visiting another pnb branch, they might be knowledgeable. Or visit the same branch again. Tell them the card code is SAI.
All pnb accounts are eligible for it. I have basic unnati savings account and I got the card. You just need to maintain 1 lac at the time of applying after that you can reduce the balance.

Other branch can block this card and issue new crad , or only home branch eligible for the same.

 

[Amit_1]

i applied for add on cards yesterday..
i filled the form and asked the employee to apply for 2 addon, which he tried but failed as the system allowed to apply for only 1 addon at a time..
even after approving the request, he wasn't able to apply for 2nd add on at that moment...

but some people in this thread mentioned that they applied for 2 addons at once..

also today i checked and found out yesterday there was a debit of 1416 (duplicate card charges) ? shouldn't it be 708 for one addon ? or it's for two addon cards ?

(branch is far so can't visit branch anytime soon)

Add-On DC application only possible after activation of prev ordered DC.

For extra debit, you should connect to branch/BM, hopefully they'll reverse it.

 

[BUDHRAJ]

Add-On DC application only possible after activation of prev ordered DC.

For extra debit, you should connect to branch/BM, hopefully they'll reverse it.

i alrady received my primary debit card and activated it, after that i went to apply for addon card, now i am confused whether two addon issued or just one, the fees is 1416 i.e. for 2 cards.. i already mailed them, let's see what happens, it i receive just one card then i will raise a complaint about extra fees

 

[sahil1033]

I went to PNB this Saturday ... first of all, I was told that I can't get this debit card as QAB should be above Rs. 50k but I said that code is SAI and it can be done if I've Rs. 1L or above in the account.

So, first, I was told to get KYC done as part of process of getting KYC done at a specific interval time to time. Staff who does KYC wasn't available due to election duty, so, I gathered all the patience in the world and politely tried to get it done from any other staff present. One of the person helped to get my KYC done and after 1.5 - 2 hours, I was able to get my KYC completed and then I filled out the debit card request form.

The lady at the counter mentioned that yes, I can get this debit card and issuance fee is Rs. 708 and I confirmed to go ahead. At that point only I asked to issue add-on debit cards for my family members if it's possible, so, applied for 2 add-on cards as well. Rs. 2,124 has been debited from statement against debit card issuance charges. Now, waiting for all 3 debit cards to arrive. I hope it goes well.

 

[Amit_1]

i alrady received my primary debit card and activated it, after that i went to apply for addon card, now i am confused whether two addon issued or just one, the fees is 1416 i.e. for 2 cards.. i already mailed them, let's see what happens, it i receive just one card then i will raise a complaint about extra fees

I went to PNB this Saturday ... first of all, I was told that I can't get this debit card as QAB should be above Rs. 50k but I said that code is SAI and it can be done if I've Rs. 1L or above in the account.

So, first, I was told to get KYC done as part of process of getting KYC done at a specific interval time to time. Staff who does KYC wasn't available due to election duty, so, I gathered all the patience in the world and politely tried to get it done from any other staff present. One of the person helped to get my KYC done and after 1.5 - 2 hours, I was able to get my KYC completed and then I filled out the debit card request form.

The lady at the counter mentioned that yes, I can get this debit card and issuance fee is Rs. 708 and I confirmed to go ahead. At that point only I asked to issue add-on debit cards for my family members if it's possible, so, applied for 2 add-on cards as well. Rs. 2,124 has been debited from statement against debit card issuance charges. Now, waiting for all 3 debit cards to arrive. I hope it goes well.

Maybe they updated their system for Add-On DCs, keep us updated here..

 

[navdeep22]

Try visiting another pnb branch, they might be knowledgeable. Or visit the same branch again. Tell them the card code is SAI.
All pnb accounts are eligible for it. I have basic unnati savings account and I got the card. You just need to maintain 1 lac at the time of applying after that you can reduce the balance.

i already submitted an application on saturday, and when called them on monday to apply code SAI, they said they have already applied excel debit card 😕 . now they cant apply anymore, shall i wait for it to deliver and then close this card and then reapply again?

PS: i am excel salary account holder will excel rupay select debit card be free for me?

 

[shazansalim]

i applied for add on cards yesterday..
i filled the form and asked the employee to apply for 2 addon, which he tried but failed as the system allowed to apply for only 1 addon at a time..
even after approving the request, he wasn't able to apply for 2nd add on at that moment...

but some people in this thread mentioned that they applied for 2 addons at once..

also today i checked and found out yesterday there was a debit of 1416 (duplicate card charges) ? shouldn't it be 708 for one addon ? or it's for two addon cards ?

(branch is far so can't visit branch anytime soon)

I confirmed from the branch that only one add on can be issued then have to wait for the card to arrive and activate to apply for another add on.
Yes the charge should be only 708. I guess either you paid for 2 add ons and recieve both of them or recieve only one of them. Let's see

 

[shazansalim]

Yes wait for the card and close it after receiving.
I have no idea if it will be free or not. Only the branch employees can tell you. My story is I told the branch I need this Debit card so they opened Unnati basic savings account and applied for it upon depositing 1 lac.

i already submitted an application on saturday, and when called them on monday to apply code SAI, they said they have already applied excel debit card 😕 . now they cant apply anymore, shall i wait for it to deliver and then close this card and then reapply again?

PS: i am excel salary account holder will excel rupay select debit card be free for me?

 

[aries]

Yes wait for the card and close it after receiving.
I have no idea if it will be free or not. Only the branch employees can tell you. My story is I told the branch I need this Debit card so they opened Unnati basic savings account and applied for it upon depositing 1 lac.

Did you do it right then and there? As in open the unnati account at branch, deposit 1L and apply for Imperial in one go?

 

[shazansalim]

Did you do it right then and there? As in open the unnati account at branch, deposit 1L and apply for Imperial in one go?

The employee was quite helpful actually. He said "Sir aap debit card ka form bhar k rakho, mai 2-3 din baad apply kar dunga jab aap deposit karoge, bas mujhe whatsapp par remind kar dena"

So I reminded him and he applied. Didn't have to visit.

 

[BUDHRAJ]

I confirmed from the branch that only one add on can be issued then have to wait for the card to arrive and activate to apply for another add on.
Yes the charge should be only 708. I guess either you paid for 2 add ons and recieve both of them or recieve only one of them. Let's see

that's what i said previously, the staff tried to apply for 2 addon cards in front of me, but the system takes request for 1 card. even after approving the request they tried to apply for 2nd card but still not able to process that.. but the charges debited was for 2 cards.. now all i can do is wait for physical delivery of cards only then i will know whether it was for 1 card or 2 cards..

somehow this pnb is too outdated, they won't show active cards in app and netbanking, only after activating them or using them, the cards starts to show in app

 

[keshavab]

i also want to join this party , should i open account online or offline ?
actully may be in future i will use this account for transaction 10-20L year and i heard that some bank online account have some limitation (might freezed) which their offline account doensnt have does this problem is with govt pnb bank ?

 

[CardSeeker]

Can Someone Share
Where Can I Raise The Complaint To PNB Regarding DC Issue

Even After 25 Days Also I Didn't Received It

 

[CardSeeker]

that's what i said previously, the staff tried to apply for 2 addon cards in front of me, but the system takes request for 1 card. even after approving the request they tried to apply for 2nd card but still not able to process that.. but the charges debited was for 2 cards.. now all i can do is wait for physical delivery of cards only then i will know whether it was for 1 card or 2 cards..

somehow this pnb is too outdated, they won't show active cards in app and netbanking, only after activating them or using them, the cards starts to show in app

Yes Same For Me

 

[sahil1033]

Can Someone Share
Where Can I Raise The Complaint To PNB Regarding DC Issue

Even After 25 Days Also I Didn't Received It

try visiting your branch once, maybe they have the tracking details or whereabouts of your card in addition to sending out an email to PNB ... could be helpful

 

[raghu.rokda]

Guys, visited pnb bank today, I have Excel salary account with them, they said you can get only excel rupay select debit card , as there system is not showing any other option for imperial or optima debit card

PS: I am maintaining 1lakhs mab from past many months

Yahi toh mai keh raha tha…

There system updated, old & new dc issues on old account variants but new salary account variants have specific dc…

 

[RichieRich]

Whats the reward rate for doing online txns ?

 

[navdeep22]

Yahi toh mai keh raha tha…

There system updated, old & new dc issues on old account variants but new salary account variants have specific dc…

These salary account specific debit cards will be life time free?

 

[CardSeeker]

try visiting your branch once, maybe they have the tracking details or whereabouts of your card in addition to sending out an email to PNB ... could be helpful

I Visited And Got The Tracking Details
But No Article Registered On Tracking