Compare PNB Salary RuPay Platinum Credit Card and Federal Bank Signet Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Eligible PNB EXCEL salary-account customers who can use a genuinely no-standard-fee RuPay card with UPI and modest lounge benefits.
Fee-sensitive users who want a mainstream Federal Bank rewards card and can use its partner benefits without relying on premium travel economics.
bankingreference.info · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://bankingreference.info/compare/pnb-salary-rupay-platinum-credit-card-vs-federal-bank-signet-credit-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 9, 2026
Maintenance: Source recheck advised
4 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Recorded product state: Relationship Linked. Verify availability before proceeding.
Source review: September 9, 2026
Maintenance: Within the scheduled review window
3 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | PNB Salary RuPay Platinum Credit Card | Federal Bank Signet Credit Card |
|---|---|---|
| Joining fee | Nil | Nil under the currently reviewed Federal Bank onboarding terms |
| Annual fee | Nil while the qualifying PNB salary-account relationship is maintained | Nil under the currently reviewed onboarding terms; issuer FAQ describes the lifetime-free offer as limited-period |
| Fee waiver | No standard annual fee under the qualifying PNB EXCEL salary-account route | Not required while issued under the current no-membership-fee onboarding terms |
| Rewards | 1 PNB Reward Point per ₹100 on eligible spend | Federal Bank currently markets Signet with its 3-2-1 rewards structure plus partner vouchers and dining offers; product-specific caps and redemption value should be rechecked before applying |
| Lounge | 4 domestic lounge visits per year (1 per quarter) and 1 international lounge visit per year under the reviewed issuer page | Complimentary airport lounge access is advertised on the current issuer listing; current access quota and spend conditions should be confirmed before travel |
| Forex markup | 3.50% foreign-currency markup over the network conversion rate | 3.5% foreign-currency markup in the reviewed Federal Bank MITC |
| Network | RuPay Platinum | Visa / Mastercard / RuPay variants as offered |
| Eligibility / approval | Special route for PNB Salary Account holders under the EXCEL scheme; the product page states minimum gross monthly income above ₹25,000 | Subject to Federal Bank underwriting, documentation and current product eligibility |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 9, 2026 · 4 attached first-party sources
Reviewed September 9, 2026 · 3 attached first-party sources