i have been using Payoneer since 2008. i agree its not the best, Western Union and Wire-transfer or even Skril (when it used to work) are better.
you are charged 3$ per transaction. if you count that out these days you should get $ rate around 98rs. i would suggest to withdraw once you have more than 210$ because this way you can withdraw maximum amount in one transaction with 3$ fee.
with 100$ i would say you can withdraw 9000. you can try 9500 as well. but will be risky you will loose a 1$ if amount is not sufficient.
finally best bank is indeed Samba Bank but recently i am getting equal rates on Bank Alfalah and Samba bank. so these both will do fine.
Standard Chartered charges extra 200.
MCB used to work fine, but now they have imposed a limit on Payoneer card, you cant withdraw more than 10k in a day.
apart from these 4 banks. no other bank works i have tried them all
hope this helps