Credit cards

PNB Salary RuPay Select Credit Card

A RuPay Select card for PNB Optima and Imperial salary-account holders with gross monthly income above ₹75,000, 8 domestic and 2 international lounge visits per year, and ₹2 lakh accident cover.

CashbackNot published as a general cashback percentage; merchant vouchers and discounts are listed.Rewards2 reward points per ₹150 spent.OffersMyntra ₹250, Ola/Uber ₹100, BigBasket/Blinkit ₹250, Swiggy One, Gaana Plus, OTT, Netmeds 20% off on ₹999 minimum order and wellness benefits.

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✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National Bank

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual / renewal feeNil while maintaining salary account under the specific scheme.View source

Nil while maintaining salary account under the specific scheme.

Source: PNB Salary RuPay Select Credit Card
Page / section: Fees
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Fee waiverNil joining and annual fee; lifetime free while the eligible salary account is maintained.View source

Nil joining and annual fee; lifetime free while the eligible salary account is maintained.

Source: PNB Salary RuPay Select Credit Card
Page / section: Fees
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeGross monthly income above ₹75,000.View source

Gross monthly income above ₹75,000.

Source: PNB Salary RuPay Select Credit Card
Page / section: Income criteria
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

EligibilityPNB Optima or Imperial salary-account holder with gross monthly income above ₹75,000; age and credit checks apply.View source

PNB Optima or Imperial salary-account holder with gross monthly income above ₹75,000; age and credit checks apply.

Source: PNB Salary RuPay Select Credit Card
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

APR35.89% per annum on regular revolving credit; FD-backed cards 19.56% per annum.View source

Current PNB schedule publishes 35.89% regular and 19.56% for -backed cards.

Source: PNB Schedule of Fees and Charges
Page / section
Accessed: 30 Aug 2026
Confidence: high

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Monthly finance charge2.95% per month regular; 1.5% per month for FD-backed cards.View source

Current PNB schedule publishes the monthly rates.

Source: PNB Schedule of Fees and Charges
Page / section: Finance charges
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Forex markupNot published on the reviewed product page or current fee schedule.View source

No foreign-currency markup is stated.

Source: PNB Salary RuPay Select Credit Card
Page / section: Complete product page and fee schedule
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

CashbackNot published as a general cashback percentage; merchant vouchers and discounts are listed.View source

Not published as a general cashback percentage; merchant vouchers and discounts are listed.

Source: PNB Salary RuPay Select Credit Card
Page / section: Offers
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Rewards2 reward points per ₹150 spent.View source

2 reward points per ₹150 spent.

Source: PNB Salary RuPay Select Credit Card
Page / section: Rewards and benefits
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

OffersMyntra ₹250, Ola/Uber ₹100, BigBasket/Blinkit ₹250, Swiggy One, Gaana Plus, OTT, Netmeds 20% off on ₹999 minimum order and wellness benefits.View source

Myntra ₹250, Ola/Uber ₹100, BigBasket/Blinkit ₹250, Swiggy One, Gaana Plus, , Netmeds 20% off on ₹999 minimum order and wellness benefits.

Source: PNB Salary RuPay Select Credit Card
Page / section: Prominent features
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Lounge access8 complimentary domestic visits (2 per quarter) and 2 international visits per year.View source

8 complimentary domestic visits (2 per quarter) and 2 international visits per year.

Source: PNB Salary RuPay Select Credit Card
Page / section: Lounge
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

NetworkRuPay SelectView source

RuPay Select

Source: PNB Salary RuPay Select Credit Card
Page / section: Product heading
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Gross monthly income above ₹75,000
Lifetime free while maintaining eligible salary account
2 reward points per ₹150
8 domestic lounge visits (2 per quarter) and 2 international visits per year
Myntra, Ola/Uber, BigBasket/Blinkit, Swiggy One, Gaana Plus, and Netmeds benefits
Personal accident and permanent disability cover up to ₹2 lakh

Eligibility

Gross monthly income above ₹75,000; PNB Optima or Imperial salary account; final assessment applies.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

PNB card application, , and salary-account/income proof

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Credit-card interest estimate

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Bill left unpaidThe part of your card bill that carries forward.₹fifty thousand rupees₹1,000₹10,00,000Interest charged each monthUse the monthly rate printed by the card issuer.%0.5%5%

Interest added for one month₹1,475one thousand four hundred seventy-five rupees

Balance after that interest₹51,475fifty-one thousand four hundred seventy-five rupees

Monthly rate × 1235.4%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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PNB Salary RuPay Platinum Credit Card · Income / eligibilityGross monthly income above ₹25,000.

This value is copied from PNB salary and co-branded cards — published terms. Check the table notes before relying on it.

Source: PNB card product pages and fee schedule · types11/types14/types15/ and schedule of fees Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 6 columnsPNB salary and co-branded cards — published termsFees, income, rewards, travel benefits and offers from official PNB card pages and linked documents.View tableHide table

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PNB salary and co-branded cards — published terms
Card	Income / eligibility	Fees	Rewards / offers	Lounge / cover	Network
PNB Salary RuPay Platinum Credit Card	Gross monthly income above ₹25,000.	Nil joining and annual fee; lifetime free while the eligible salary account is maintained.	1 reward point per ₹100 spent. Myntra ₹250, Ola/Uber ₹100, Netmeds 20% off on ₹999 minimum order, spa, health-check-up and benefits.	4 complimentary domestic visits (1 per quarter) and 1 international visit per year.	RuPay Platinum
PNB Salary RuPay Select Credit Card	Gross monthly income above ₹75,000.	Nil joining and annual fee; lifetime free while the eligible salary account is maintained.	2 reward points per ₹150 spent. Myntra ₹250, Ola/Uber ₹100, BigBasket/Blinkit ₹250, Swiggy One, Gaana Plus, , Netmeds 20% off on ₹999 minimum order and wellness benefits.	8 complimentary domestic visits (2 per quarter) and 2 international visits per year.	RuPay Select
PNB Patanjali RuPay Select Credit Card	General minimum income is not published on the product page; PNB's co-brand employee policy permits consideration from ₹10,000 net monthly income.	₹500 joining fee; ₹750 annual fee, waived with one use in each quarter.	2 reward points per ₹150 spent, plus 300+ points on first usage. 2% cashback at Patanjali stores above ₹2,500, capped at ₹50 per transaction; 5–7% recharge cashback through Patanjali Swadeshi Samridhi Card; 300+ merchant offers.	Complimentary domestic and international lounge programme; quota not published.	RuPay Select
PNB EaseMyTrip RuPay Platinum Credit Card	Not published on the reviewed EaseMyTrip product page.	₹2,000 joining fee and ₹2,000 annual fee; annual fee waived above ₹1 lakh preceding-year spends.	300+ reward points on activation; ongoing earning rate is not published on the page. ₹3,000 welcome voucher value; 10% off domestic flights up to ₹1,000 and international flights up to ₹5,000, with no minimum order value.	Complimentary domestic and international airport lounge access; quota not published.	RuPay Platinum

PNB card product pages and fee schedule · types11/types14/types15/ and schedule of fees · accessed 30 Aug 2026Open official source ↗

PNB Salary RuPay Select Credit Card

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Credit-card interest estimate

Find the exact published value

Complete rates, limits and schedules

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