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Punjab National Bank
PNB SALARY RuPay Select Credit Card
RuPay
PNB SALARY RuPay Select Credit Card
PNB's free RuPay Select card for salary account holders on the OPTIMA and IMPERIAL schemes. Points are weak (2 per ₹150, about 0.33%), but it carries 8 domestic and 2 international lounge visits a year and quarterly Myntra, Ola/Uber and BigBasket/Blinkit vouchers at no cost.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.33%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to salaried applicants who clear the standard eligibility bar whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.33% base rate
- Reward redemption: Points redeemable (minimum 1,000 points) at 1 point = ₹0.25
- Domestic lounge access: 8 complimentary domestic lounge visits a year (2 per quarter)
- International lounge access: 2 complimentary international lounge visits a year
- Insurance benefits: Personal accident and permanent disability cover up to ₹2 lakh
Benefits by category
- ✈️ Travel
8 domestic and 2 international lounge visits a year
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 2.95% p.a.
- Fuel surcharge waiver: 1% fuel surcharge refund on fuel transactions between ₹400 and ₹4,000, capped at ₹350 per statement cycle
- Cash advance charges: 2% of amount withdrawn, minimum ₹150 at PNB ATMs, ₹200 at other domestic ATMs, ₹300 overseas; interest at 2.95% p.m. from the date of withdrawal
Benefits
- Quarterly vouchers: Myntra ₹250, Ola/Uber ₹100 and BigBasket/Blinkit ₹250
- 12-month Gaana Plus, 3-month Swiggy One, OTT membership, annual spa and health check-up, 20% off at Netmeds
- 8 domestic and 2 international lounge visits a year
Pros
- + Lifetime free while salary is credited
- + 8 domestic and 2 international lounge visits a year
- + Roughly ₹600 of vouchers every quarter
Cons
- − Only for PNB OPTIMA/IMPERIAL salary account holders
- − About 0.33% reward rate
- − 3.5% forex markup