PNB Salary RuPay Select Credit Card

Lifetime-free salary card with wider lounge access

Annual feeLifetime Free

Rewards0.33%Assumes 1 PNB Credit Card reward point = Rs 0.25, per PNB portal notice effective 01/09/2024 (issuer-stated redemption value).

Forex markup3.5%3.50% of the transaction value

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Rewards

Base earn rate

Two reward points for every ₹150 spent, with UPI merchant payments enabled.

Lounge access

Domestic

8visits / year

RuPay Airport Lounge Program lounge programme →

International

2visits / year

Fees & charges

Joining fee: ₹0 (Free)
Annual / renewal fee: Lifetime free
Annual fee waiver: Lifetime free while a salary account is maintained under the eligible PNB scheme.
Interest rate: 2.95% per month
Overlimit fee: 2.5%
Forex markup: 3.50% of the transaction value

Late payment

Outstanding amount	Late fee
₹0 – ₹1,000	₹0
₹1,001 – ₹5,000	₹500
₹5,001 – ₹10,000	₹600
Above ₹10,001	₹750

View official MITC →

Eligibility

Income (salaried): ₹75,000/month

NRI eligible: No

Features

✓ Contactless✓ Chip & PIN✓ UPI linkage✓ International usage

Additional features

Lifetime free with an eligible salary account
Eight domestic and two international lounge visits
Quarterly Myntra, grocery and ride vouchers
Swiggy One, music and OTT memberships

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Rewards / year

₹1,998

≈ 0.33% effective

Annual fee

₹0

no published waiver

Net steady-state return

+₹1,998/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹1,998 a year.

Apply Now Check Eligibility →

Based on published rates as of 2026-08-07; assumes 1 PNB Credit Card reward point = Rs 0.25, per PNB portal notice effective 01/09/2024 (issuer-stated redemption value).. Rewards estimates, not guarantees.