PNB Salary RuPay Select Credit Card

Punjab National Bank · Lifetime free

A card for PNB salary account holders on the Optima and Imperial schemes.

What PNB Salary RuPay Select Credit Card really returns

On a typical ₹50,000 a month of card spend, with points counted as cashback, PNB Salary RuPay Select Credit Card returns about ₹1,623 a year after its fee (0.27% of spend). That ranks 205 out of 260 cards SahiCard can score. Earns most on online shopping (₹396) and groceries (₹317). Put in your own spending to see your figure, with the working shown.

Best credit cards for ₹50,000 a month · All guides

Base rate: 0.33% as Reward Point.

What the bank says

• 2 reward points per ₹150, worth 25 paise
• No annual fee while the PNB salary account is active and the salary is credited
• Vouchers, an annual health check-up and OTT membership

Things that catch people out

• Only for holders of a PNB salary account under the Optima and Imperial schemes.
• Earns 2 points per ₹150 at 25 paise a point, which is 0.33%. That is a low rate, and the fee is only worth paying if the waiver applies.
• PNB does not list the spends that earn nothing, so we apply the usual exclusions for fuel, rent and insurance.

Joining fee: ₹0. Foreign currency markup: not published.

The facts

• Annual fee: none, free forever
• Fee waived at: no fee to waive
• Domestic lounge visits: not published
• Minimum income: not published

Read from Punjab National Bank’s own page on 2026-10-06.

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