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.

 

[aries]

How long does it take for the Unnati account to be opened online? Do I need to wait till physical kit delivery? If not, can I open in the morning, fund 1L and go to the branch couple of hours later for the RSDC?

 

[0xpratyush]

Try visiting another pnb branch, they might be knowledgeable. Or visit the same branch again. Tell them the card code is SAI.
All pnb accounts are eligible for it. I have basic unnati savings account and I got the card. You just need to maintain 1 lac at the time of applying after that you can reduce the balance.

Other branch can block this card and issue new crad , or only home branch eligible for the same.

 

[Amit_1]

i applied for add on cards yesterday..
i filled the form and asked the employee to apply for 2 addon, which he tried but failed as the system allowed to apply for only 1 addon at a time..
even after approving the request, he wasn't able to apply for 2nd add on at that moment...

but some people in this thread mentioned that they applied for 2 addons at once..

also today i checked and found out yesterday there was a debit of 1416 (duplicate card charges) ? shouldn't it be 708 for one addon ? or it's for two addon cards ?

(branch is far so can't visit branch anytime soon)

Add-On DC application only possible after activation of prev ordered DC.

For extra debit, you should connect to branch/BM, hopefully they'll reverse it.

 

[BUDHRAJ]

Add-On DC application only possible after activation of prev ordered DC.

For extra debit, you should connect to branch/BM, hopefully they'll reverse it.

i alrady received my primary debit card and activated it, after that i went to apply for addon card, now i am confused whether two addon issued or just one, the fees is 1416 i.e. for 2 cards.. i already mailed them, let's see what happens, it i receive just one card then i will raise a complaint about extra fees

 

[sahil1033]

I went to PNB this Saturday ... first of all, I was told that I can't get this debit card as QAB should be above Rs. 50k but I said that code is SAI and it can be done if I've Rs. 1L or above in the account.

So, first, I was told to get KYC done as part of process of getting KYC done at a specific interval time to time. Staff who does KYC wasn't available due to election duty, so, I gathered all the patience in the world and politely tried to get it done from any other staff present. One of the person helped to get my KYC done and after 1.5 - 2 hours, I was able to get my KYC completed and then I filled out the debit card request form.

The lady at the counter mentioned that yes, I can get this debit card and issuance fee is Rs. 708 and I confirmed to go ahead. At that point only I asked to issue add-on debit cards for my family members if it's possible, so, applied for 2 add-on cards as well. Rs. 2,124 has been debited from statement against debit card issuance charges. Now, waiting for all 3 debit cards to arrive. I hope it goes well.

 

[Amit_1]

i alrady received my primary debit card and activated it, after that i went to apply for addon card, now i am confused whether two addon issued or just one, the fees is 1416 i.e. for 2 cards.. i already mailed them, let's see what happens, it i receive just one card then i will raise a complaint about extra fees

I went to PNB this Saturday ... first of all, I was told that I can't get this debit card as QAB should be above Rs. 50k but I said that code is SAI and it can be done if I've Rs. 1L or above in the account.

So, first, I was told to get KYC done as part of process of getting KYC done at a specific interval time to time. Staff who does KYC wasn't available due to election duty, so, I gathered all the patience in the world and politely tried to get it done from any other staff present. One of the person helped to get my KYC done and after 1.5 - 2 hours, I was able to get my KYC completed and then I filled out the debit card request form.

The lady at the counter mentioned that yes, I can get this debit card and issuance fee is Rs. 708 and I confirmed to go ahead. At that point only I asked to issue add-on debit cards for my family members if it's possible, so, applied for 2 add-on cards as well. Rs. 2,124 has been debited from statement against debit card issuance charges. Now, waiting for all 3 debit cards to arrive. I hope it goes well.

Maybe they updated their system for Add-On DCs, keep us updated here..