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.

 

[sahil1033]

I generated PIN from WhatsApp Banking, will reset PIN and see if it works or not

I didn't do anything, a day after activating the debit card, it's showing in PNB One app now

@CardSeeker

 

[shantanusearch1]

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.

Pls share the card BIN

 

[Sai_Kiran]

Okay While checking in app showing as No Cards linked to the account

So how many days it takes to show on app ?

same, can't see the DC in PNB One (mobile banking) app

Try generate pin option from pnb one app it will get linked then, mine also was showing as not linked

Debit card is only shown in PNB one & you able to manage limit,etc only after 1 day of setting pin.

 

[sousnake]

I saw 20 Rs deducted today from my PNB account - PMSBY premium.
Is there a way to close this policy or should I keep it as 20Rs only.

 

[CoolFino]

Pls share the card BIN

PNB Imperial Bin 65249710

 

[asyd]

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.

@shazansalim Good post explaining the account/DC application details.

To make it more helpful, can you add the timeline as well to the OP? Like when did you open the Unnati account, got it upgraded, applied for DC and add-ons? How long it took to get the primary and addon DCs? etc.
Also add the card bin details (first 6 digits)

 

[CardSeeker]

Debit card is only shown in PNB one & you able to manage limit,etc only after 1 day of setting pin.

Yes now working fine

 

[navdeep22]

Yes now working fine

Mine is still not showing in app

 

[Sai_Kiran]

Mine is still not showing in app

Did you set pin for DC

if yes, then when

after 1 day of setting green pin, then only card will be shown. Later only you can manage limits , etc

 

[navdeep22]

Did you set pin for DC

if yes, then when

after 1 day of setting green pin, then only card will be shown. Later only you can manage limits , etc

i set the pin from IVR
then next day withdraw money from ATM using same PIN
still did not activated/
Should i have generated PIN from ATM?

 

[Sai_Kiran]

i set the pin from IVR
then next day withdraw money from ATM using same PIN
still did not activated/
Should i have generated PIN from ATM?

it will work, don't know what happened


Try to set pin through app again.

1. Follow the steps in PNB one app to get otp/get otp by clicking Green pin otp under debit card services in PNB what's app banking
2. Enter card number, Expiry, CVV & otp to set Green pin for DCin PNB One app

 

[navdeep22]

it will work, don't know what happened


Try to set pin through app again.

1. Follow the steps in PNB one app to get otp/get otp by clicking Green pin otp under debit card services in PNB what's app banking
2. Enter card number, Expiry & otp to set Green pin for DCin PNB One app

sorry, pardon my ealier information

i did this only,
1. got OTP after filling card nmber on app,
2. have set PIN from pnb after

but did additional step of turning ecom on from IVR

then next day, i went to ATM and withdraw money using same PIN, and then waited for 24 hours and still not showing in app

 

[Sai_Kiran]

sorry, pardon my ealier information

i did this only,
1. got OTP after filling card nmber on app,
2. have set PIN from pnb after

but did additional step of turning ecom on from IVR

then next day, i went to ATM and withdraw money using same PIN, and then waited for 24 hours and still not showing in app

if card is still not activated/showing like "no active debit cards" then you have go to branch & ask them to activate you DC

 

[navdeep22]

if card is still not activated/showing like "no active debit cards" then you have go to branch & ask them to activate you DC

Visited branch, they said it's not in their hand they can only raise complaint, have raised complaint by visiting branch let's see

 

[navdeep22]

Just now it's started showing in app too, I don't know what happened, probably have to have more than2 days after physicallly using card

 

[Sai_Kiran]

Just now it's started showing in app too, I don't know what happened, probably have to have more than2 days after physicallly using card

Generally it's 1 day after setting pin.

i used to activate the DC before delivery only, we know bin [ 8 digits ] & middle 4 digits are same as previous imperial DC / incremented by 1 or 2 & last 4 digits are seen in whatsApp

Expiry is 7 years from now & otp can be requestes through whatsApp..

By these i activate DC before delivery, so that i can use DC immediately after delivery [ will see CVV on Card ] , this is important if quarter end is coming, we can't wait until DC gets activate delay


Edit : But now, looks like they have added CVV part, before there was no need to enter CVV to generate green pin.

 

[sousnake]

Generally it's 1 day after activation.

i used to activate the DC before delivery only, we know bin [ 8 digits ] & middle 4 digits are same as previous imperial DC / incremented by 1 or 2 & last 4 digits are seen in whatsApp

Expiry is 7 years from now & otp can be requestes through whatsApp..

By these i activate DC before delivery, so that i can use DC immediately after delivery [ will see CVV on Card ] , this is important if quarter end is coming, we can't wait until DC gets activate delay

my card is shipped but not received, already 3-4 days gone.

 

[sousnake]

Just now it's started showing in app too, I don't know what happened, probably have to have more than2 days after physicallly using card

Bro I got message that debit card is dispatched & it mentions speed post no.
But when I track on speed post it says on consignment with this number. What the F**k?
Should I visit branch again?

 

[Sai_Kiran]

Bro I got message that debit card is dispatched & it mentions speed post no.
But when I track on speed post it says on consignment with this number. What the F**k?
Should I visit branch again?

it's speed post you need to wait 2 more days, then only we can track , it is common in India Postal Service.

Sometimes, we were unable to track also, in b/w they deliver in our homes

 

[CoolFino]

Bro I got message that debit card is dispatched & it mentions speed post no.
But when I track on speed post it says on consignment with this number. What the F**k?
Should I visit branch again?

Same Here Got Card Dispatched sms on 18th till now india post website say this
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