Canara Bank Select / World / Signature versus PNB SALARY RuPay Select, metric by metric. The metric runs down the centre; each card's values face it from its own side, and a gold edge on the centre line marks the round winner.
Canara Bank Select / World / Signature	Metric	PNB SALARY RuPay Select
not confirmed	Our rank	not confirmed
₹0 — lifetime free	Fee — joining · annual (+ GST)	₹0 — lifetime free
None	Fee waiver	None
not published	Forex markup	3.5% over and above the currency conversion rate — PNB's nil-markup carve-out names only the two LUXURA metal cards
not published	APR	2.95%/mo (35.89%/yr); 1.5%/mo (19.56%/yr) on a card issued against a PNB fixed-deposit lien
0.5% — wins this row	Headline earn rate	0.3%
Canara Reward Points	Currency	PNB Reward Points
₹0.25/pt	House value	₹0.25/pt
—	Welcome benefit	300 Reward Points on a first retail or online transaction within 90 days of receiving the card
106 of 793 — wins this row	Lounge doors opened	17 of 793
not published	Income — salaried	Gross monthly income above ₹75,000, and an active PNB salary account under the OPTIMA or IMPERIAL scheme
not published	Income — self-employed	Not available — this card is gated on a PNB salary account

Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →

The ₹ face-off at ₹1L/₹3L/₹5L a month

Ranking-value face-off

Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.

Canara Bank Select / World / Signature PNB SALARY RuPay Select

at ₹1L/month

₹6,000 wins

₹3,990

at ₹3L/month

₹18,000 wins

₹11,970

at ₹5L/month

₹30,000 wins

₹19,950

Canara Bank Select / World / Signature out-earns PNB SALARY RuPay Select at every spend level we model, from ₹25k to ₹5L a month.

How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month

How the gap moves with spend

Canara Bank Select / World / Signature leads at all 20 steps, but not by the same amount: ₹502 at ₹0.25L a month, ₹10,050 at ₹5L — the gap fans out with spend, widest at ₹5L (₹10,050).

Canara Bank Select / World / Signature's ongoing earn stops at ₹5,00,000 of spend a month, where PNB SALARY RuPay Select's doesn't.

Canara Bank Select / World / Signature draws above the line, PNB SALARY RuPay Select below · ₹0.25L to ₹5L a month, step by step

Ranking value for each card at every ₹25,000 step of monthly spend, with the gap between them and the card in front at that level.
Monthly spend	Canara Bank Select / World / Signature	PNB SALARY RuPay Select	In front
₹0.25L	₹1,500	₹998	Canara Bank Select / World / Signature by ₹502
₹0.5L	₹3,000	₹1,995	Canara Bank Select / World / Signature by ₹1,005
₹0.75L	₹4,500	₹2,993	Canara Bank Select / World / Signature by ₹1,507
₹1L	₹6,000	₹3,990	Canara Bank Select / World / Signature by ₹2,010
₹1.25L	₹7,500	₹4,988	Canara Bank Select / World / Signature by ₹2,512
₹1.5L	₹9,000	₹5,985	Canara Bank Select / World / Signature by ₹3,015
₹1.75L	₹10,500	₹6,983	Canara Bank Select / World / Signature by ₹3,517
₹2L	₹12,000	₹7,980	Canara Bank Select / World / Signature by ₹4,020
₹2.25L	₹13,500	₹8,978	Canara Bank Select / World / Signature by ₹4,522
₹2.5L	₹15,000	₹9,975	Canara Bank Select / World / Signature by ₹5,025
₹2.75L	₹16,500	₹10,973	Canara Bank Select / World / Signature by ₹5,527
₹3L	₹18,000	₹11,970	Canara Bank Select / World / Signature by ₹6,030
₹3.25L	₹19,500	₹12,968	Canara Bank Select / World / Signature by ₹6,532
₹3.5L	₹21,000	₹13,965	Canara Bank Select / World / Signature by ₹7,035
₹3.75L	₹22,500	₹14,963	Canara Bank Select / World / Signature by ₹7,537
₹4L	₹24,000	₹15,960	Canara Bank Select / World / Signature by ₹8,040
₹4.25L	₹25,500	₹16,958	Canara Bank Select / World / Signature by ₹8,542
₹4.5L	₹27,000	₹17,955	Canara Bank Select / World / Signature by ₹9,045
₹4.75L	₹28,500	₹18,953	Canara Bank Select / World / Signature by ₹9,547
₹5L	₹30,000	₹19,950	Canara Bank Select / World / Signature by ₹10,050

Transfer reach — 0 vs 0 live routes

Transfer reach

live transfer routes from Canara Reward Points — no transfers; its own redemption value is the ceiling

Canara Bank Select / World / Signature

live transfer routes from PNB Reward Points — no transfers; its own redemption value is the ceiling

PNB SALARY RuPay Select

Full route maps on each card page, best ₹/point routes on the optimizer →

What to watch out for — 6 points

What to watch out for

Canara Bank Select / World / Signature · 4 more →

"Free" is conditional: spend under ₹1,00,000 in a card year and Canara charges a ₹300 inactivity fee — ₹1,000 below ₹2,00,000 on the VISA Signature
Canara's variants table leaves the VISA Signature's international-lounge cell BLANK — its own product page fills it in at 1 visit per quarter, so read the product page, not the blank
0.5% flat: 2 points per ₹100 at a fixed ₹0.25 a point, with fuel and cash withdrawals earning nothing

PNB SALARY RuPay Select · 1 more →

The 300-point first-transaction bonus is on PNB's Rewardz programme page under this card's BIN band, not on the card's own page — the recurring quarterly vouchers below are benefits, not a welcome bonus
Requires an active PNB salary account under the OPTIMA or IMPERIAL scheme — not available to a general applicant
Retail-category earn is a flat ~0.33% (2 RP/₹150 at ₹0.25/pt) — this is a lounge-and-voucher card, not a rewards engine

The call

For the ₹1L/month spender, Canara Bank Select / World / Signature nets ₹6,000 against ₹3,990 — a ₹2,010 gap. At ₹5L/month, Canara Bank Select / World / Signature nets ₹30,000 against ₹19,950 — a ₹10,050 gap. Lounge chasers: Canara Bank Select / World / Signature opens 106 of 793 tracked doors to PNB SALARY RuPay Select's 17.

Our standing verdicts: Canara Bank Select / World / Signature — Keep; PNB SALARY RuPay Select — Keep. Canara Bank Select / World / Signature takes 5 of the 5 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →

Common questions — 5 answered

Straight answers

Which is better, Canara Bank Select / World / Signature or PNB SALARY RuPay Select?

Canara Bank Select / World / Signature. Canara Bank Select / World / Signature takes 5 of the 5 rounds we can score. Canara Bank Select / World / Signature out-earns PNB SALARY RuPay Select at every spend level we model, from ₹25k to ₹5L a month.

Canara Bank Select / World / Signature or PNB SALARY RuPay Select — which earns more at ₹3L a month?

At ₹3L a month, Canara Bank Select / World / Signature nets ₹18,000 against ₹11,970 — a ₹6,030 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.

Which costs less to hold, Canara Bank Select / World / Signature or PNB SALARY RuPay Select?

They cost the same to get: ₹0 — lifetime free. Canara Bank Select / World / Signature waives its fee at no spend level — there is no waiver; PNB SALARY RuPay Select at no spend level — there is no waiver.

Which gets you into more airport lounges, Canara Bank Select / World / Signature or PNB SALARY RuPay Select?

Lounge chasers: Canara Bank Select / World / Signature opens 106 of 793 tracked doors to PNB SALARY RuPay Select's 17. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.

How current is this comparison?

Both card records were last re-verified against their issuers' own documents on 2026-08-23. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.

Verified against Canara Bank and Punjab National Bank's own documents on 23 Aug 2026 · the ranking model, at our house ₹/point

Every document behind this page — 8 of them, each with the day we read it

official Canara's own VISA Signature Credit Card page — 3 domestic and 1 international lounge visit per quarter, NIL fees, 2 points per ₹100 and the ₹2,00,000 turnover bar read 23 Aug 2026
official Canara's "Credit Card Variants & Features" comparison — Annual/Joining/Enrolment fee NIL, the per-network lounge quotas, 2 points per ₹100 and the 3% forex markup read 22 Aug 2026
official Canara Bank credit-card MITC — "Value of each reward point is Rs. 0.25", 2 points per ₹100, 10,000 points a cycle, and the tariff sheet behind the NIL fee read 15 Aug 2026
official Canara Bank credit cards page — the shelf, and the Mastercard domestic/international lounge lists and Visa domestic lounge list it links read 23 Aug 2026
official PNB Rewardz programme page — the per-variant earn table and the 300-point first-transaction bonus for the RuPay Select band read 23 Aug 2026
official PNB SALARY RuPay Select product page — eligibility, quantified lounge quota, voucher stack, retail earn rate read 23 Aug 2026
official PNB bank-wide Key Fact Statement — confirms PNB Salary RuPay Select's joining and annual fee are both Nil, and the standard 3.5% forex markup read 16 Aug 2026
official PNB SALARY RuPay Platinum product page — cited for the explicit NPCI/RuPay lounge-programme footnote shared across both PNB salary cards read 16 Aug 2026

Something stale or wrong? The document wins — tell us →