PNB SALARY RuPay Select Credit Card
A lifetime-free RuPay card for PNB salary account holders (OPTIMA and IMPERIAL schemes): 2 reward points per ₹150 at ₹0.25 a point (about 0.33%), UPI-enabled, quarterly shopping and grocery vouchers and lounge visits. Every figure below is copied from Punjab National Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-21.
Only for PNB salary account holders under the OPTIMA and IMPERIAL salary schemes.
Not on record from an official document: the list of spends that earn no reward. CardWise does not estimate these.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Fee schedule |
| No annual fee while the PNB salary account is active and salary is credited regularly. | |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| All eligible spends | 2 points per ₹150 Product page | no cap on record |
Points are redeemed from 1,000 upwards on PNB Rewardz (catalogue, vouchers or cashback) and expire after 3 years; a ₹99 + GST fee applies to each redemption from 1 Nov 2026.
Benefits
- Lounges: Complimentary lounge access: 8 domestic visits a year (2 a quarter) and 2 international visits a year Product page
- Fuel: 1% fuel surcharge waived on fills above ₹400 and below ₹4,000, up to ₹350 a billing cycle MITC
Also on this card
Quoted from Punjab National Bank; not counted in the net value.
- Myntra voucher worth ₹250 every quarter Product page
- BigBasket or Blinkit voucher worth ₹250 every quarter Product page
- Ola or Uber voucher worth ₹100 every quarter Product page
- 3 months of Swiggy One each year Product page
- 12-month Gaana Plus pack each year Product page
- One OTT membership a year (Zee5, SonyLiv, Amazon Prime or Hotstar) Product page
- Annual health check-up Product page
- Personal accident and disability cover up to ₹2 lakh Product page
Eligibility
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Punjab National Bank in the documents read
- the spends that earn no reward points
- reward rates for specific categories
- the GST rate (fees are plus GST)
- an income criterion (the card is tied to the salary account scheme)
Where Punjab National Bank’s documents differ, and what is used
- Point value: the card page, the MITC and PNB's notice of 1 Sep 2024 give ₹0.25 a point; the older Rewards Program page still says ₹0.50 (50 paise). The ₹0.25 rate is used.
The quotes behind the figures
34 figures, each copied from an official Punjab National Bank document.
Show every quote and source
“Joining Fee - Primary Card : NIL”
“Annual Fees - Primary Card : NIL”
“Nil markup for PNB metal card "Luxura"(RuPay/VISA) & 3.50% markup for all other card, over and above the currency”
“Value of reward points : 1 pt = Rs.0.25”
“Reward Points : 2 pt on Rs 150”
“Individuals who satisfy the eligibility criteria as laid down can apply for PNB Credit Card.”
“Waiver on Fee : No annual fee will be charged if the salary account is active and regular salary is being credited.”
“Enabled on UPI for making merchant Payments (P2M) through QR scan or online transactions.”
“Zero for Luxura (Visa & RuPay) & 3.50% of the transaction value for all cards over and above the currency conversion rate.”
“Between Rs. 400/- to Rs. 4,000/- with maximum up to Rs 350/- per Statement Cycle.”
“NIL For VISA/RuPay Credit Card Variants 99 per redemption request.”
“Presently the Value of 1reward point is 25 paise”
“Effective 1st September 2024, value of 1 (One) PNB Credit Card Reward Point will be Rs. 0.25.”
“1 (One) Reward Point is worth INR 0.50 (50 paise).”
“Reward points can be redeemed provided a minimum of 1000 points are redeemed by request in writing”
“The reward points on Credit Cards will be expired if not redeemed within 3 years from the date”
“GST, as notified by the Government of India, is applicable on all fees, interest and other charges”
“PNB RuPay Credit Cards can now be linked on UPI.”
“A charge of 99/- plus applicable GST will be levied for each redemption/claim of reward points.”
“8 Complimentary Domestic (2 per quarter) & 2 Complimentary International Per Year”
“1% on single fuel transaction of amount greater than Rs.400 & less than Rs.4000/-.”
“Maximum surcharge waiver up to Rs. 350/- within a billing cycle exclusive of service tax and other charges.”
“Discount Voucher of Myntra worth ₹250/-, once per quarter.”
“Discount Voucher of Bigbasket/ Blinkit worth ₹250/-, once per quarter.”
“Discount Voucher of Ola/ Uber worth ₹100/-, once per quarter.”
“Swiggy One Membership of 3 months, once per annum.”
“Gaana Plus Pack- 12 Month Pack, once per annum.”
“Membership Complimentary membership of Zee5/ SonyLiv/AmazonPrime/Hotstar, once per annum.”
“Complimentary Health Check-up, once per annum.”
“Personal Accident Insurance & Permanent Disability Cover upto ₹2.0 L.”
“i) Age Criteria: The applicant should be between the age of 21 years and up to 70 years.”
“APPLY CREDIT CARD ONLINE”
“Eligibility - Income : For PNB Salary Account Holders under OPTIMA & IMPERIAL Schemes”
“PNB SALARY RuPay Select Credit Card”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Punjab National Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Punjab National Bank’s own file from its website, unaltered, fetched 2026-10-21. Methodology