PNB Kiwi RuPay Select Credit Card

Kiwi co-branded UPI-first RuPay card

Annual fee₹750Waived on ₹1.5L spend

RewardsDouble reward points on retail merchandise, plus 300+ reward points on first usage.

Forex markup3.5%3.50% of the transaction value

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Rewards

Base earn rate

Double reward points on retail merchandise, plus 300+ reward points on first usage.

Fees & charges

Joining fee: Nil for the virtual card; ₹500 for the physical card
Annual / renewal fee: ₹750 (virtual and physical)
Annual fee waiver: Annual fee waived on spends of ₹1.5 lakh in the previous year.
Interest rate: 2.95% per month
Overlimit fee: 2.5%
Forex markup: 3.50% of the transaction value

Late payment

Outstanding amount	Late fee
₹0 – ₹1,000	₹0
₹1,001 – ₹5,000	₹500
₹5,001 – ₹10,000	₹600
Above ₹10,001	₹750

View official MITC →

Eligibility

NRI eligible: No

Co-branded with Kiwi, issued as a UPI-linked RuPay card available in virtual and physical form. Open to resident individuals meeting the bank’s assessment.