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]

which version of jiohotstar ?......is it 899 super plan or 1499 premium plan ?

AFAIK, it's 1,499 one ... Premium (1 year)

 

[Sup]

which version of jiohotstar ?......is it 899 super plan or 1499 premium plan ?

1499 premium plan

 

[sahil1033]

How to get virtual DC

PNB One app -> Debit Card -> Virtual Card -> Apply Virtual Debit Card

 

[sahil1033]

I haven't hotlisted virtual DC, only physical DC I did hotlist

Let's wait for a day at least, it may show up later but immediately after hotlisting physical DC, it still didn't show up and I had to hotlist that card anyway since it was a RuPay Classic variant and of no use at all.

UPDATE :

Primary card is showing now in PNB One app, I'll visit branch tomorrow and apply for add-on card if it's not been applied by the employee. I forgot to take his number and I'm hoping he attempts to apply from his end in the morning. If the amount for issuance is debited, I would know he has already applied, else, I'll visit during my lunch break and get it done.

 

[_sanket]

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.

In elite exc Savings Account imperial RSDC is free but it has 1L MAB and nil charges for non maintenance , so will the benefits be withdrawn immediately if we don't maintain or they will continue till the year end ?..........if i apply for Elite executive account online do i have to visit branch separately to apply for imperial DC or it will directly get delivered to my address ?

 

[sahil1033]

I checked that I had received email for confirming e-statement registration for debit card, separate email for primary and 2 add-on debit cards.
The link expired after 72 hours but I want to know what's this?

It says I need to contact branch. Why would I need debit card wise e-statements? Is that actually necessary? Will I miss out on anything since I failed to verify within 72 hours?

 

[sahil1033]

UPDATE :

Primary card is showing now in PNB One app, I'll visit branch tomorrow and apply for add-on card if it's not been applied by the employee. I forgot to take his number and I'm hoping he attempts to apply from his end in the morning. If the amount for issuance is debited, I would know he has already applied, else, I'll visit during my lunch break and get it done.

Went to the branch today, was able to apply for only one add-on card ... submitted the filled up form, took the employee's phone number ... once I've activated 1st add-on card and it starts showing in PNB One app, I'll call him and he will process the 2nd add-on card ... I'll have to wait for a while now but no need to visit bank now (hopefully).

 

[sousnake]

Went to the branch today, was able to apply for only one add-on card ... submitted the filled up form, took the employee's phone number ... once I've activated 1st add-on card and it starts showing in PNB One app, I'll call him and he will process the 2nd add-on card ... I'll have to wait for a while now but no need to visit bank now (hopefully).

bro.. for me even primary debit card is not showing in app. I am able to redeem vouchers but yeah it's not coming in app. 3 days now since activation.

 

[CoolFino]

Went to the branch today, was able to apply for only one add-on card ... submitted the filled up form, took the employee's phone number ... once I've activated 1st add-on card and it starts showing in PNB One app, I'll call him and he will process the 2nd add-on card ... I'll have to wait for a while now but no need to visit bank now (hopefully).

So before dec end u can get 2 AddOn cards lucky but mine still not showing in app and says primary not activated in their system to apply add on

 

[sahil1033]

bro.. for me even primary debit card is not showing in app. I am able to redeem vouchers but yeah it's not coming in app. 3 days now since activation.

It should show in the app very soon, that's all I can say because in my case also, it took 4 days to show ... from Saturday to Wednesday

@CoolFino

 

[BhaiyaJi]

Went to the branch today, was able to apply for only one add-on card ... submitted the filled up form, took the employee's phone number ... once I've activated 1st add-on card and it starts showing in PNB One app, I'll call him and he will process the 2nd add-on card ... I'll have to wait for a while now but no need to visit bank now (hopefully).

My branch employee was able to apply 2 add-ons in a single request.

 

[sahil1033]

My branch employee was able to apply 2 add-ons in a single request.

I don't know what's the reason.

For my account, I was able to apply for 3 cards at once (1 primary + 2 add-on) and for my mother's account, every card is being applied sequentially.

 

[kaka11]

I don't know what's the reason.

For my account, I was able to apply for 3 cards at once (1 primary + 2 add-on) and for my mother's account, every card is being applied sequentially.

What were the account variants?

 

[sahil1033]

What were the account variants?

It's General Savings

 

[dreamchaser12]

Do we need to maintain ₹1 lakh in the account to apply for an add-on card? Today the bank staff tried to apply for it, but it showed that the MAB requirement is not met.

 

[sahmad]

Has anyone who applied for the Imperial Card on or after the 14th Nov received their ATM card or any tracking details? If yes then when you applied, share the date.

 

[MinatoFlash]

Has anyone who applied for the Imperial Card on or after the 14th Nov received their ATM card or any tracking details? If yes then when you applied, share the date.

Yes
I've applied DC on Nov 21st (Account created on 20th Nov)
I Got Tracking ID on SMS from PNB as well as India Post on Nov 26th and received it Today

 

[sahmad]

Yes
I've applied DC on Nov 21st (Account created on 20th Nov)
I Got Tracking ID on SMS from PNB as well as India Post on Nov 26th and received it Today

Then its good, i applied on 14th November and till now no any updated, not received any sms also there is no any details over pnb whatsapp. Also validated from branch but there is no any update like card number or tracking details.

 

[sousnake]

Then its good, i applied on 14th November and till now no any updated, not received any sms also there is no any details over pnb whatsapp. Also validated from branch but there is no any update like card number or tracking details.

charges got deducted?

 

[sahmad]

charges got deducted?

I converted account in Elite account and then applied the card. For first card it's free. So no deduction. Also I validated through branch and debit card request is there. But no other details like Trackind id, card number etc which usually start showing after 4-5 days.