PNB Salary Account

PNB Salary Account is a special salary account offered by Punjab National Bank (PNB) which is designed to meet the needs of salaried persons. It provides a range of benefits and features that make it an attractive choice for employees. With the PNB SALARY Scheme, employees can enjoy benefits such as zero balance salary accounts, free debit cards, internet banking facilities, and access to a wide network of ATMs. Moreover, the it also offers overdraft facilities, attractive interest rates on loans, and insurance coverage options. PNB MYSALARY Scheme is a comprehensive banking solution providing convenience and value to salaried persons.

Features and Benefits of PNB MYSALARY Scheme

The PNB SALARY Scheme offers a range of features and benefits designed to cater to the needs of salaried individuals.

Zero balance account.
Zero minimum quarterly average balance.
The scheme provides a salary account with benefits like a personalized debit card, internet banking facilities, and access to a wide network of branches and ATMs.
Account holders can avail themselves of overdraft facilities, which provide financial flexibility.
It also offers the convenience of free NEFT/RTGS transactions and access to various loan products at attractive interest rates.

Eligibility Criteria

Regular Employees of Central Government, State Government, PSU, Government-Semi Government Corporation, MNCs, Reputed Institutions, Reputed Corporate, Reputed Educational Institutions etc. are eligible to open this salary account.

There are following 5 eligibility variants based on as per Gross Monthly Salary:

SILVER 25: Between Rs. 10,000 and up to Rs. 25,000
GOLD 50: Above Rs. 25,000 and up to Rs. 50,000
PREMIUM 100: Above Rs. 50,000 and up to Rs. 1,00,000
PLATINUM 200: Above Rs. 1,00,000 and up to Rs. 2,00,000
TITANIUM: Above Rs. 2,00,000

Issuance of Free Credit Card

Issuance of Free PNB Credit Card subject to eligibility. No joining fee & Annual Fee. Life time free credit card will be given.

SILVER 25: RuPay Platinum Credit Card with credit card limit equal to gross salary
GOLD 50: RuPay Platinum Credit Card with credit card limit equal to gross salary
PREMIUM 100: RuPay Millenial Credit Card with credit card limit equal to 1.5 times of gross salary
PLATINUM 200: RuPay Millenial Credit Card with credit card limit equal to 1.5 times of gross salary
TITANIUM: RuPay Select Credit Card with credit card limit equal to 2 times of gross salary

Personal Accidental Insurance Cover

Following Personal Accidental Insurance Cover is available in 4 different variants. Please note that the insurance cover will be available only after salary is credited in account for 2 consecutive months.

SILVER 25: Rs 30 lakhs
GOLD 50: Rs 40 lakhs
PREMIUM 100: Rs 45 lakhs
PLATINUM 200: Rs 45 lakhs
TITANIUM: Rs 50 lakhs

Locker Rent for the first year

Following are the discounts offered to the PNB Salary Accounts on locker rent for the first year.

SILVER 25: 25% discount on small locker
GOLD 50: 50% discount on small locker
PREMIUM 100: 75% discount on small locker
PLATINUM 200: 100% discount on small/ medium locker
TITANIUM: 100% discount on small/ medium locker

Issuances of Debit Card

SILVER 25: RuPay Platinum Card, 1st year free then annual maintenance charges will be applicable
GOLD 50: RuPay Platinum Card, 1st year free then annual maintenance charges will be applicable
PREMIUM 100: RuPay Platinum Card, 1st year free then annual maintenance charges will be applicable
PLATINUM 200: RuPay Select Card Lifetime Free
TITANIUM: RuPay Select Card Lifetime Free

Domestic ATM cash withdrawal limit per day

SILVER 25: For RuPay Platinum Card – Rs. 50,000
GOLD 50: RuPay Platinum Card – Rs. 50,000
PREMIUM 100: RuPay Platinum Card – Rs. 50,000
PLATINUM 200: RuPay Select Card – Rs. 1,00,000
TITANIUM: RuPay Select Card – Rs. 1,00,000

Domestic Shopping Limit POS per day

SILVER 25: For RuPay Platinum Card – Rs. 1.25 lakhs
GOLD 50: RuPay Platinum Card – Rs. 1.25 lakhs
PREMIUM 100: RuPay Platinum Card – Rs. 1.25 lakhs
PLATINUM 200: RuPay Select Card – Rs. 3 lakhs
TITANIUM: RuPay Select Card – Rs. 3 lakhs

Fees and Charges

Retail Internet Banking: No charges
SMS Alert: No charges
E-Statement: Free
Annual Maintenance Charge (Debit Card): Applicable for Silver variant and NIL for other variants
Sweep-In / Out facility: Accounts opened / maintained under the Salary scheme will have Sweep-In / Out facility