PNB Rupay Platinum vs BoB Select
Side-by-side credit card comparison to help you choose the best one.
Our Pick
BoB Select
4
Why this card wins: Everyday Spending — 2 reward points per ₹100 spent
| Feature | PNB Rupay Platinum | BoB Select |
|---|---|---|
| Bank | Punjab National Bank | Bank of Baroda |
| Card Type | Entry Level | Entry Level |
| Annual Fee | ₹299 + GST | ₹499 + GST |
| Joining Fee | ₹99 + GST | ₹499 + GST |
| Rewards | 2 reward points per ₹100 on all spends | 2 reward points per ₹100 spent |
| Best For | Budget Users | Everyday Spending |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹1,50,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | None | 500 reward points on first spend |
| Min Income | ₹12,000/month | ₹15,000/month |
| Lounge Access | None | 2 domestic per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹4,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 3.9 | 4 |
| Contactless | ||
| EMI Conversion |
Key Features
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
Our Pick
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
Verdict
Based on rating and overall value, BoB Select ranks highest among your selected cards. It excels at Everyday Spending and offers 2 reward points per ₹100 spent.