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.

 

[Saral]

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

Primary is free...but add on are chargeable

 

[navdeep22]

Primary is free...but add on are chargeable

thanks.
also iimperial debit card on excel salary account wilil be chargeable right?

 

[sahil1033]

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

this is a weird situation ... I would suggest visiting the branch again and telling them that nothing shows on this tracking number ... you can even check with any major post office where anyone can help on this tracking

 

[CardSeeker]

this is a weird situation ... I would suggest visiting the branch again and telling them that nothing shows on this tracking number ... you can even check with any major post office where anyone can help on this tracking

Yeah Will Check

 

[SUBARNA Mahato]

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

Can I apply from any nearest branch or my home base branch?? Just now funded 1 lakh in my PNB general savings account (MAB 2000 metro)....

Issuance charges how much deducted when bank employee had applied your rupay select imperial DC?

And what about Annual charges how much?

Already deactivated physical rupay platinum DC in August to avoid annual mainataince charges, now using only virtual DC

 

[SUBARNA Mahato]

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

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 ?

Did you apply your rupay imperial select DC from home branch or any other PNB nearest branch?

 

[BUDHRAJ]

Did you apply your rupay imperial select DC from home branch or any other PNB nearest branch?

from home branch

 

[BUDHRAJ]

Can I apply from any nearest branch or my home base branch?? Just now funded 1 lakh in my PNB general savings account (MAB 2000 metro)....

Issuance charges how much deducted when bank employee had applied your rupay select imperial DC?

And what about Annual charges how much?

Already deactivated physical rupay platinum DC in August to avoid annual mainataince charges, now using only virtual DC

I even mailed them to ask whether i can apply from any branch or not but there was no response from their end..

you can try at nearest branch, update us whether it is possible or not.

 

[sousnake]

I opened bank account by visiting branch, the person told me account will be activated in 2 hours and will get details on phone.
1 day passed still no information about it.
Only got message your SF account opening request is registered.

How much time it takes to open account?
Also can I login to app without welcome kit?

 

[nari]

How to apply add-on cards? Through branch or through app?

 

[SUBARNA Mahato]

How to apply add-on cards? Through branch or through app?

Branch is the only solution for imperial related work

 

[sahil1033]

Does anyone has close contact in PNB ??

I had applied for DC on 1st November, haven't received dispatch details yet ... called up PNB customer care today and they told me there's some error with my debit card application process ... visited branch today and was told there's no issue and got the Speed Post tracking number.

Because of stupid website, I couldn't even check the tracking number at the branch ... came back home and after several attempts to track the consignment, it says "no article found".

If there's anyone working at PNB, it would be easier to cross check this information without visiting the branch again. Please DM me if anyone can help.

 

[CoolFino]

6th I went to bank an opened Unnati Bank account on the form i wrote Unnati in section scheme code they attached 2 extra insurance forms ₹20 & ₹450 I asked are they optional n removed them when I asked when the account gets opened they said u will get the msg so i left

8th Night i got Aadhar Seeded sms and Account Number Tired to login the app but showing invalid account number so thought to wait till Monday

9th Tired in Phonepe Account is visible so set upi pin n Transferred 1 Lakh

10th Went to Bank took passbook n wanted PNB Imperial Rupay Select Debit card and Repeatedly Saying them the code is SAI gave me Forum Filled then For Add-on Cards no mobile Numbers slot given there so they said to write it in black space if we get option we will add Mobile number of add on holder also
Then the trouble starts they opened Growth Account even though I said Unnati said to check the account opening forum and gave me passbook In there it said Growth Account then they started applying Imperial Card For that they Changed to Saving Fund Genral and Applied I told them apply add-on also they are like calling someone n asking if the parents are not a joint holders can they issue add on cards then Again told them code SAI I saw on screen n told them this one n while applying she said Card Charges will be Debited 708 I said okay then after that she tried to apply for add on as it's showing not possible until u activate the primary card n told me it would take 15 working days then I'm Shocked i want this fast as the quater ending n if the add on card apply is also 1 after another it takes till Jan n I would miss this quarter benifits
Told them to change to Unnati Savings Account n saw their screen there are like around 50 accounts types n no search option just scrolling they don't have patience n then she showed me she changed to saving account general n applied then she was able to apply I asked I want Unnati she directed me to go to branch manager i went sat there he was humble n soft speaking told me to write a letter change my growth to Unnati he said he will give them the code for Unnati n written on that unnati savings account n kept it with him said it will be done so went to them n told i have given to branch manager he said he will give scheme code for Unnati n Please apply after it changes they said they will do so
And they also told me this application Going to filling so have to Fill new form again for the add ons after primary activation
All the while asking chat gpt it's searching technofino n guided me

After coming home with Passbook used to account number n logged in pnb app then checked it's Showing QAB as 50000 and Account is saving fund account i transferred another 10k for it to be more then i Lakh for Addons also

So the people who opened Unnati Savings Account n Applied Imperial Rupay Select Debit Card with 2 add-on
What does it show in your Pnb Passbook n in Pnb app under Saving account> primary account> Account Details which Account Category is mentioned please Share

And can I Apply 2 Add-on Cards at once after Activation?

As it's showing 50000 QAB do we need to maintain 50k or will there be charges?

Account Opened in Hyderabad

 

[sousnake]

6th I went to bank an opened Unnati Bank account on the form i wrote Unnati in section scheme code they attached 2 extra insurance forms ₹20 & ₹450 I asked are they optional n removed them when I asked when the account gets opened they said u will get the msg so i left

8th Night i got Aadhar Seeded sms and Account Number Tired to login the app but showing invalid account number so thought to wait till Monday

9th Tired in Phonepe Account is visible so set upi pin n Transferred 1 Lakh

10th Went to Bank took passbook n wanted PNB Imperial Rupay Select Debit card and Repeatedly Saying them the code is SAI gave me Forum Filled then For Add-on Cards no mobile Numbers slot given there so they said to write it in black space if we get option we will add Mobile number of add on holder also
Then the trouble starts they opened Growth Account even though I said Unnati said to check the account opening forum and gave me passbook In there it said Growth Account then they started applying Imperial Card For that they Changed to Saving Fund Genral and Applied I told them apply add-on also they are like calling someone n asking if the parents are not a joint holders can they issue add on cards then Again told them code SAI I saw on screen n told them this one n while applying she said Card Charges will be Debited 708 I said okay then after that she tried to apply for add on as it's showing not possible until u activate the primary card n told me it would take 15 working days then I'm Shocked i want this fast as the quater ending n if the add on card apply is also 1 after another it takes till Jan n I would miss this quarter benifits
Told them to change to Unnati Savings Account n saw their screen there are like around 50 accounts types n no search option just scrolling they don't have patience n then she showed me she changed to saving account general n applied then she was able to apply I asked I want Unnati she directed me to go to branch manager i went sat there he was humble n soft speaking told me to write a letter change my growth to Unnati he said he will give them the code for Unnati n written on that unnati savings account n kept it with him said it will be done so went to them n told i have given to branch manager he said he will give scheme code for Unnati n Please apply after it changes they said they will do so
And they also told me this application Going to filling so have to Fill new form again for the add ons after primary activation
All the while asking chat gpt it's searching technofino n guided me

After coming home with Passbook used to account number n logged in pnb app then checked it's Showing QAB as 50000 and Account is saving fund account i transferred another 10k for it to be more then i Lakh for Addons also

So the people who opened Unnati Savings Account n Applied Imperial Rupay Select Debit Card with 2 add-on
What does it show in your Pnb Passbook n in Pnb app under Saving account> primary account> Account Details which Account Category is mentioned please Share

And can I Apply 2 Add-on Cards at once after Activation?

As it's showing 50000 QAB do we need to maintain 50k or will there be charges?

Account Opened in Hyderabad

not able to open app today. yesterday checked it was looking fine. 1000 deposited only.
Today app is not opening, error - fatal exception. please login again.
What to do now? account opened recently.

 

[sousnake]

6th I went to bank an opened Unnati Bank account on the form i wrote Unnati in section scheme code they attached 2 extra insurance forms ₹20 & ₹450 I asked are they optional n removed them when I asked when the account gets opened they said u will get the msg so i left

8th Night i got Aadhar Seeded sms and Account Number Tired to login the app but showing invalid account number so thought to wait till Monday

9th Tired in Phonepe Account is visible so set upi pin n Transferred 1 Lakh

10th Went to Bank took passbook n wanted PNB Imperial Rupay Select Debit card and Repeatedly Saying them the code is SAI gave me Forum Filled then For Add-on Cards no mobile Numbers slot given there so they said to write it in black space if we get option we will add Mobile number of add on holder also
Then the trouble starts they opened Growth Account even though I said Unnati said to check the account opening forum and gave me passbook In there it said Growth Account then they started applying Imperial Card For that they Changed to Saving Fund Genral and Applied I told them apply add-on also they are like calling someone n asking if the parents are not a joint holders can they issue add on cards then Again told them code SAI I saw on screen n told them this one n while applying she said Card Charges will be Debited 708 I said okay then after that she tried to apply for add on as it's showing not possible until u activate the primary card n told me it would take 15 working days then I'm Shocked i want this fast as the quater ending n if the add on card apply is also 1 after another it takes till Jan n I would miss this quarter benifits
Told them to change to Unnati Savings Account n saw their screen there are like around 50 accounts types n no search option just scrolling they don't have patience n then she showed me she changed to saving account general n applied then she was able to apply I asked I want Unnati she directed me to go to branch manager i went sat there he was humble n soft speaking told me to write a letter change my growth to Unnati he said he will give them the code for Unnati n written on that unnati savings account n kept it with him said it will be done so went to them n told i have given to branch manager he said he will give scheme code for Unnati n Please apply after it changes they said they will do so
And they also told me this application Going to filling so have to Fill new form again for the add ons after primary activation
All the while asking chat gpt it's searching technofino n guided me

After coming home with Passbook used to account number n logged in pnb app then checked it's Showing QAB as 50000 and Account is saving fund account i transferred another 10k for it to be more then i Lakh for Addons also

So the people who opened Unnati Savings Account n Applied Imperial Rupay Select Debit Card with 2 add-on
What does it show in your Pnb Passbook n in Pnb app under Saving account> primary account> Account Details which Account Category is mentioned please Share

And can I Apply 2 Add-on Cards at once after Activation?

As it's showing 50000 QAB do we need to maintain 50k or will there be charges?

Account Opened in Hyderabad

It shows PNB Select Saving Scheme Growth.

 

[sousnake]

Does anyone has close contact in PNB ??

I had applied for DC on 1st November, haven't received dispatch details yet ... called up PNB customer care today and they told me there's some error with my debit card application process ... visited branch today and was told there's no issue and got the Speed Post tracking number.

Because of stupid website, I couldn't even check the tracking number at the branch ... came back home and after several attempts to track the consignment, it says "no article found".

If there's anyone working at PNB, it would be easier to cross check this information without visiting the branch again. Please DM me if anyone can help.

In form there is no option to specify imperial debit card, how to choose this one.
Form just says network and variant which is select, signature gold etc.

 

[CoolFino]

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.

I applied for Unnati but in app it's showing - Saving Fund Genral

What does it show in your Pnb Passbook n in PnbOne app under Saving account> primary account> Account Details which Account Category is mentioned there can you please Share @shazansalim


As it might help others who are trying to get those cards

 

[sousnake]

I applied for Unnati but in app it's showing - Saving Fund Genral

What does it show in your Pnb Passbook n in PnbOne app under Saving account> primary account> Account Details which Account Category is mentioned there can you please Share @shazansalim


As it might help others who are trying to get those cards

Branch person tried applying but she was not able to apply SAI one for me.
Excel was available only which I declined.
I think issue is with Average balance which is showing as 400 in my account.
I transferred 1L today only.
I am thinking of waiting couple of days and check average balance and then apply after few days.

 

[sahil1033]

In form there is no option to specify imperial debit card, how to choose this one.
Form just says network and variant which is select, signature gold etc.

form doesn't have Imperial DC as an option but you can write RuPay Select and mention SAI as code ... bank employee will see this at their end and apply

 

[sousnake]

form doesn't have Imperial DC as an option but you can write RuPay Select and mention SAI as code ... bank employee will see this at their end and apply

Yeah.. they were not able to apply for me.
In my app average balance shows 400, I have 1.25L. Let's hope in some days it should become 1L & will then try again.