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.

 

[Das.N]

My father has a PNB account (Savings fund general),
He opened that account approx 30 years ago. That time PNB unnati was not available. It a regular savings account, not a zero balance account.

Can he apply this debit card?
He maintains approx 50000 on that account, we can deposit another 50000

 

[navdeep22]

bhaiyiyo , i have pnb excel saving account scheme (pnb account type)
its pnb salary account with MAB above 1 lakhs , when i tried to get new debit card it doesnt show any options on the app to choose DC, how to get RSDC on this account.
If i need to change account type to get RSDC ill do it, but to do that ?
can anybody provide some info?

 

[Sahil1234]

I have applied for elite executive account and till now I have not received any Debit card and now plz tell me the procedure of getting another 2 Debit card with this account. Which form I need to fill and what is to be written on the form addon card or duplicate card.
And is there any need of writing code of card in the form or not. Plz tell me nex procedure.

 

[sahmad]

OP please answer…

not free 700 for applying and same yearly charges as first one.

 

[shazansalim]

I have an old PNB Savings account and the account variant is showing Savings Fund General in the app.

Is this account eligible for Imperial RSDC?

Do I have to block my existing physical and virtual debit before applying for this card?

When can I apply for the add-on debit card?

What are the issuance and annual charges for the add-on debit card?

Yes, all accounts are eligible.
You can apply for add on when one of the debit cards is active.
Issuance 708 annual 1100
You don't need to block the existing card, however some bank employees don't know how to go forward so best thing for you to do is to follow what the employees say

 

[shazansalim]

Yes

We can open UNNATI Account Online,then fund the account with 1L and visit the branch to apply RSDC?

Yes you can do that. But you have to apply for ImperialRSDC, not just rsdc

 

[shazansalim]

Are add on cards free? Or whats the issuance and annual cost

Same as primary card

 

[shazansalim]

I have applied for elite executive account and till now I have not received any Debit card and now plz tell me the procedure of getting another 2 Debit card with this account. Which form I need to fill and what is to be written on the form addon card or duplicate card.
And is there any need of writing code of card in the form or not. Plz tell me nex procedure.

Go to the branch and apply for Imperial RSDC. They will ask you to fill a form.
After that card is recieved and activated visit the branch again and apply for an add on imperial rsdc, the process will be same.

 

[bharathnalla]

Can't do it in the same application. You must get the primary first then activate it, then apply for first add on then activate that and then apply for second add on.
This is what I was told at the branch

So one primary and two add on per account?

 

[Saral]

Yes...that's correct ..3 card in total

So one primary and two add on per account

 

[bharathnalla]

@

We can open UNNATI Account Online,then fund the account with 1L and visit the branch to apply RSDC?

@shazan

Yes...that's correct ..3 card in total

2 add ons can be applied at once?

 

[navdeep22]

Yes...that's correct ..3 card in total

Hey, I have my pnb account variant is Excel savings account scheme and its salary account I believe. And AMB is also above 1 lakh. What's the easiest way for me to get RSDC, ?

 

[Saral]

@

@shazan

2 add ons can be applied at once?

Yes..I got my both add on applied together

 

[Saral]

U

Hey, I have my pnb account variant is Excel savings account scheme and its salary account I believe. And AMB is also above 1 lakh. What's the easiest way for me to get RSDC, ?

don't need to maintain amb for salary account...u can contact ur branch to apply for rsdc debit card and then add on

 

[shazansalim]

@

@shazan

2 add ons can be applied at once?

Yes you can open the account online and then visit branch for the card, but you should not opt for a debit card while opening the account.

 

[navdeep22]

U

don't need to maintain amb for salary account...u can contact ur branch to apply for rsdc debit card and then add on

Can I do it online without going to branch

 

[BUDHRAJ]

Visited the branch to apply for imperial debit card.. the process was smooth
My a/c varient is normal savings account

Just one thing, even though i blocked my existing cards by app, they were still showing active in branch so had to fill another form to block all the cards manually by branch.

(deposited the money yesterday and able to apply for imperial card without any issues, there were dozens of other cards with many rupay select options but applied for imperial as it was the best option to choose from)

 

[bharathnalla]

Visited the branch to apply for imperial debit card.. the process was smooth
My a/c varient is normal savings account

Just one thing, even though i blocked my existing cards by app, they were still showing active in branch so had to fill another form to block all the cards manually by branch.

(deposited the money yesterday and able to apply for imperial card without any issues, there were dozens of other cards with many rupay select options but applied for imperial as it was the best option to choose from)

Just to avoid confusion, add on self or other family members? You submitted two forms for two cards?

 

[vine]

Visited the branch to apply for imperial debit card.. the process was smooth
My a/c varient is normal savings account

Just one thing, even though i blocked my existing cards by app, they were still showing active in branch so had to fill another form to block all the cards manually by branch.

(deposited the money yesterday and able to apply for imperial card without any issues, there were dozens of other cards with many rupay select options but applied for imperial as it was the best option to choose from)

@Saral @shazansalim
So basically any account with 1L balance mab is eligible for imperial RSDC. Correct?
Is there any difference in charges/price of this imperial RSDC?

 

[raghu.rokda]

Can i get pnb imperial select card as add on in pnb excel salary account ?