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.

 

[navdeep22]

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

I have asked same query few commets above please check

 

[raghu.rokda]

I have asked same query few commets above please check

Sawal ye hai mila ya nahi apko ? Abhi tak meko itna pata mil jayega confirm ni hua abhi..

 

[navdeep22]

Sawal ye hai mila ya nahi apko ? Abhi tak meko itna pata mil jayega confirm ni hua abhi..

Try nahi Kiya hai abhi ,will let you know in few days

 

[shazansalim]

@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?

Yes
Issuance charge 708
Annual charges 1100

 

[shazansalim]

Can I do it online without going to branch

Have to visit the branch for the card. Online option not available

 

[shazansalim]

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

I think you will get it. Because all accounts are eligible. You just need to visit the branch

 

[Aegon]

Does this give 1 month Cult ELITE gym access or 3 months Cult Home?

 

[shazansalim]

Does this give 1 month Cult ELITE gym access or 3 months Cult Home?

3 months cult home

 

[BUDHRAJ]

@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?

not mab, you just need 1L in your account while applying for this card.. i deposited the money 1 day before applying and withdrawl it next day.. the issuance charges debited as soon as the branch employee apply for this card

 

[BUDHRAJ]

for those, who already got add on cards

do we need documents of family members ? n is it mandatory for add on users to pnb customers ?

in DC application form, there was just a column that asks for relationship with primary ac holder that's all

 

[shazansalim]

for those, who already got add on cards

do we need documents of family members ? n is it mandatory for add on users to pnb customers ?

in DC application form, there was just a column that asks for relationship with primary ac holder that's all

I got the add on in my name and I didn't need any documents, just phone number and email.

 

[BUDHRAJ]

I got the add on in my name and I didn't need any documents, just phone number and email.

anyway to track debit card status or dispatch details (can't visit branch ) ? or i need to wait for delivery?

 

[shazansalim]

anyway to track debit card status or dispatch details (can't visit branch ) ? or i need to wait for delivery?

You can track it on the indiapost website, you'll recieve the sms and consignment number once they place the order.

 

[0xpratyush]

Got this card , different from the image of imperial , bin is 652497. Can someone confirm if its same card or not

 

[Exewhyzee]

View attachment 113396

Got this card , different from the image of imperial , bin is 652497. Can someone confirm if its same card or not

Looks like Optima

 

[sahmad]

It's optima I don't think it's worth it. Few voucher refreshed yearly.

 

[Deepak_9155]

My mother has a Savings Fund General Account in PNB.
I recently found that a ₹50,000 Quarterly Average Balance (QAB) is required to apply for the PNB RuPay Select Debit Card (RSDC).

How can I check the QAB of her account?
Additionally, is there any specific PNB account variant for women through which she can get the RSDC more easily, without maintaining a ₹50,000 QAB?

 

[BUDHRAJ]

i got my Imperial debit card 2 days ago..

i have a question
can we apply for addon in any pnb branch or do i need to visit home branch ?

 

[sousnake]

View attachment 113396

Got this card , different from the image of imperial , bin is 652497. Can someone confirm if its same card or not

from pnb site.. looks like this card also got some good benefits, you can check on below link..
blinkit, apollo, myntra, decath etc vouchers are there. Also fee is less

https://pnb.bank.in/uploadfile/Cards/PNB_RUPAY_SELECT_OPTIMA-_OFFER_&_BENEFITS_DETAILS.pdf

Also how did you got optima, can you tell what is requirement? MAB etc.

 

[Saral]

from pnb site.. looks like this card also got some good benefits, you can check on below link..
blinkit, apollo, myntra, decath etc vouchers are there. Also fee is less

https://pnb.bank.in/uploadfile/Cards/PNB_RUPAY_SELECT_OPTIMA-_OFFER_&_BENEFITS_DETAILS.pdf

Also how did you got optima, can you tell what is requirement? MAB etc.

most benefits are half year jo imperial m quaterly hta h