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REWARD POINTS CARD

PNB SALARY RuPay Select Credit Card

Punjab National Bank

Salary-account RuPay card with reward points, vouchers, lounge visits and personal accident cover. Joining fee is Nil and annual fee is not charged while salary is credited.

For PNB salary account holders (OPTIMA & IMPERIAL). Add-on cards not allowed. Annual fee waived only while the salary account is active and regular salary is credited. Reward redemption minimum applies.

PNB SALARY RuPay Select Credit Card
ANNUAL FEE
Not stated
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
8 domestic lounge visits (2 per quarter) and 2 international visits per year
BEST FOR
Included: May suit PNB salary account holders under the OPTIMA & IMPERIAL scheme who want vouchers and lounge visits with no.
Included: May suit salary-account holders who use shopping, ride or grocery vouchers each quarter.
Included: May suit people who will use the listed lounge visits across domestic and international travel.
Included: May suit those who use health check-up, spa, OTT, Gaana Plus or Swiggy One perks.
Limitation: Those without a PNB salary account, or who need add-on cards may wish to compare other cards.
Limitation: Those without a PNB salary account under the listed scheme may wish to compare other cards.
Limitation: Those who want add-on cards for family members may wish to compare other cards.
Limitation: Those looking for published fuel, dining or welcome-bonus benefits may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward points can be redeemed only from the minimum point balance shown on the page.
Condition: Contactless transactions without PIN entry are allowed up to a maximum of INR 5,000 per transaction.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
Not stated
Fee waived at
Annual fee not charged if salary account is active and regular salary is being credited
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
8 visits per quarter — 8 visits (2 per quarter)
International airport lounge
2 visits per year — 2 visits per year
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
Not stated
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 8 domestic lounge visits (2 per quarter) and 2 international visits per year
Included: UPI enabled for merchant payments (P2M) via QR scan or online transactions.
Included: Vouchers: Myntra ₹250, Ola/Uber ₹100, Bigbasket/Blinkit ₹250 once per quarter; Gaana Plus 12 months, Swiggy One 3 months, OTT once per year.
Included: Complimentary health check-up and spa services once per year; personal accident and permanent disability cover up to ₹2.0 L.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.