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.

 

[sousnake]

For my primary account, post setting PIN, it started showing from next day onwards but in my mother's account, it's been 2 days post setting PIN, it's yet to reflect in mobile banking app (PNB One) ... no idea what's going on

ok.. will wait for couple of days.
Also can I add this card on rupay select website on same email-phone where I have added bob emt rupay card?

 

[sahil1033]

ok.. will wait for couple of days.
Also can I add this card on rupay select website on same email-phone where I have added bob emt rupay card?

Yes, you can add as many cards as you want until and unless first 8 digits of the cards are different.

Also, bob EMT RuPay card is a RuPay Platinum variant card, so, that has separate portal anyway.

 

[sousnake]

Yes, you can add as many cards as you want until and unless first 8 digits of the cards are different.

Also, bob EMT RuPay card is a RuPay Platinum variant card, so, that has separate portal anyway.

I am dumb 😛

 

[CoolFino]

wait time is approx. 15 days ... can even go upwards I guess

but you can complain on CPGRAMS, I got tracking number of all 3 cards I had applied from PNB head office ... 2 out of 3 tracking numbers I was able to track, 1 still said no consignment found

Nov 10th i Applied Pnb Imperial RSDC 18th Got Dispatched sms now 25th card got delivered , generated Green pin in WhatsApp n in pnb app set ATM pin n enabled ECom in WhatsApp n did Transaction of ₹10 to Amazon Pay Balance to check the card is working

Then now went to bank to apply Addon they still saying Primary card not activated I did not take the card to bank they saying withdraw ₹100 from PNB ATM to activate as it's showing Primary Card not Activated As I didn't have card on me I did again ₹100 to Amazon Pay Balance to check it's still not activated showing

Is it a must to withdraw money from PNB atm then only it will be activated ?

Or do I have to wait for 2 or 3 days till the pnb systems get updated n shows in app?

 

[sousnake]

Nov 10th i Applied Pnb Imperial RSDC 18th Got Dispatched sms now 25th card got delivered , generated Green pin in WhatsApp n in pnb app set ATM pin n enabled ECom in WhatsApp n did Transaction of ₹10 to Amazon Pay Balance to check the card is working

Then now went to bank to apply Addon they still saying Primary card not activated I did not take the card to bank they saying withdraw ₹100 from PNB ATM to activate as it's showing Primary Card not Activated As I didn't have card on me I did again ₹100 to Amazon Pay Balance to check it's still not activated showing

Is it a must to withdraw money from PNB atm then only it will be activated ?

Or do I have to wait for 2 or 3 days till the pnb systems get updated n shows in app?

I think it takes couple of days to show activated in app.. but you can still use current debit card on rupay platform.

 

[xxScriptzxx]

How you got mail id of that branch?

During my first visit, i told them i would email you and they had given it

 

[xxScriptzxx]

Nov 10th i Applied Pnb Imperial RSDC 18th Got Dispatched sms now 25th card got delivered , generated Green pin in WhatsApp n in pnb app set ATM pin n enabled ECom in WhatsApp n did Transaction of ₹10 to Amazon Pay Balance to check the card is working

Then now went to bank to apply Addon they still saying Primary card not activated I did not take the card to bank they saying withdraw ₹100 from PNB ATM to activate as it's showing Primary Card not Activated As I didn't have card on me I did again ₹100 to Amazon Pay Balance to check it's still not activated showing

Is it a must to withdraw money from PNB atm then only it will be activated ?

Or do I have to wait for 2 or 3 days till the pnb systems get updated n shows in app?

I did not do all this. Add on applied even without using any atm. In fact, i filled the add on form on my first visit (so that i dont have to visit branch again), once my primary activated, i emailed them and they just applied it without any branch visit

 

[sahil1033]

Nov 10th i Applied Pnb Imperial RSDC 18th Got Dispatched sms now 25th card got delivered , generated Green pin in WhatsApp n in pnb app set ATM pin n enabled ECom in WhatsApp n did Transaction of ₹10 to Amazon Pay Balance to check the card is working

Then now went to bank to apply Addon they still saying Primary card not activated I did not take the card to bank they saying withdraw ₹100 from PNB ATM to activate as it's showing Primary Card not Activated As I didn't have card on me I did again ₹100 to Amazon Pay Balance to check it's still not activated showing

Is it a must to withdraw money from PNB atm then only it will be activated ?

Or do I have to wait for 2 or 3 days till the pnb systems get updated n shows in app?

For my mother's debit card also same is happening, on the safer side, I'm thinking of withdrawing Rs. 100 from ATM today, so that the card shows as activated ASAP.

Do you hold any other physical DC from PNB which is still active?

 

[CoolFino]

For my mother's debit card also same is happening, on the safer side, I'm thinking of withdrawing Rs. 100 from ATM today, so that the card shows as activated ASAP.

Do you hold any other physical DC from PNB which is still active?

No It's my 1st PNB debit card

 

[sahil1033]

No It's my 1st PNB debit card

Okay, then it seems like some issue at PNB's end and they're delaying DC activation. Although, for me, online transaction went through successfully, yet the DC doesn't yet shows up in mobile banking app (PNB One).

 

[sahil1033]

For my primary account, post setting PIN, it started showing from next day onwards but in my mother's account, it's been 2 days post setting PIN, it's yet to reflect in mobile banking app (PNB One) ... no idea what's going on

This is very bizarre, I even withdrew some amount from ATM yesterday night, still the card isn't showing up in mobile banking app.

Can anyone please confirm if we can hold more than 1 physical card in PNB or not? Already holding a RuPay Platinum physical debit card and a RuPay Classic virtual debit card. Imperial DC isn't being activated because I'm already having a physical DC ?? But that can't be true since I've performed online transaction and ATM withdrawal, both went fine, it's just that the card isn't showing up in mobile banking app and on bank employee's system.

Very very weird situation I'm stuck in.

@sousnake

 

[shantanusearch1]

This is very bizarre, I even withdrew some amount from ATM yesterday night, still the card isn't showing up in mobile banking app.

Can anyone please confirm if we can hold more than 1 physical card in PNB or not? Already holding a RuPay Platinum physical debit card and a RuPay Classic virtual debit card. Imperial DC isn't being activated because I'm already having a physical DC ?? But that can't be true since I've performed online transaction and ATM withdrawal, both went fine, it's just that the card isn't showing up in mobile banking app and on bank employee's system.

Very very weird situation I'm stuck in.

@sousnake

Open PNB One app , if a Current Account tab is showing next to savings account tab , click it it should show your debit card number , once your card is showing in this then its linked , it takes time mine took 10 days

 

[sousnake]

This is very bizarre, I even withdrew some amount from ATM yesterday night, still the card isn't showing up in mobile banking app.

Can anyone please confirm if we can hold more than 1 physical card in PNB or not? Already holding a RuPay Platinum physical debit card and a RuPay Classic virtual debit card. Imperial DC isn't being activated because I'm already having a physical DC ?? But that can't be true since I've performed online transaction and ATM withdrawal, both went fine, it's just that the card isn't showing up in mobile banking app and on bank employee's system.

Very very weird situation I'm stuck in.

@sousnake

no idea bro.. for me even primary card is not showing as linked, but I am just using to get coupons.

 

[sahil1033]

no idea bro.. for me even primary card is not showing as linked, but I am just using to get coupons.

I wouldn't be worried much because I'm able to transact with the card but since it's not showing in PNB One, I'm unable to apply for add-on card

 

[CoolFino]

I wouldn't be worried much because I'm able to transact with the card but since it's not showing in PNB One, I'm unable to apply for add-on card

Yes same problem for me too

 

[sahil1033]

Yes same problem for me too

I even hotlisted the existing physical debit card in my mother's account ... let's see by when this stupid app starts showing Imperial DC

 

[Strange]

I even hotlisted the existing physical debit card in my mother's account ... let's see by when this stupid app starts showing Imperial DC

So even after hotlisting RPDC and VDC your Imperial DC is not showing in the system?

 

[sahil1033]

So even after hotlisting RPDC and VDC your Imperial DC is not showing in the system?

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.

 

[Rohith-2009]

This is very bizarre, I even withdrew some amount from ATM yesterday night, still the card isn't showing up in mobile banking app.

Can anyone please confirm if we can hold more than 1 physical card in PNB or not? Already holding a RuPay Platinum physical debit card and a RuPay Classic virtual debit card. Imperial DC isn't being activated because I'm already having a physical DC ?? But that can't be true since I've performed online transaction and ATM withdrawal, both went fine, it's just that the card isn't showing up in mobile banking app and on bank employee's system.

Very very weird situation I'm stuck in.

@sousnake

How to get virtual DC

 

[_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.

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