PNB RuPay Metal Card "LUXURA"

Joining fee

₹9,000 + GST

Annual fee

₹7,500 + GST₹7,500 + GST; waived if annual spends exceed ₹8,00,000

Fee waiver rule

Joining fee charged only if Total spend on the card is less than ₹2.5 lakh within three billing cycles from the date of activation OR An activated card is closed within 90 days; Annual fee waived if annual spends on the card exceeds ₹8,00,000

Add-on card fee

Add-on Metal Card: Joining Fee ₹9000 + GST, Annual Fee ₹7500 + GST; joining fee reimbursement & annual fee waiver criteria same as primary card

Welcome benefit

20,000 rewards point on spend of ₹50k in 90 days; credited in the billing cycle ensuing first 90 days of activation.

Reward rate

4 reward points per ₹100 · everyday spends4 reward points for every ₹100 spent.

What one reward unit is worth

4 rewards points Worth ₹1.

Domestic lounge access

Unlimited Domestic Lounge Access

International lounge access

Unlimited International Lounge Access

Hotel or travel programme

2+1 Complimentary night ITC (Premium Hotels other than Fortune), Throughout the year, any number of times (Except blackout dates as per the hotel); 1+1 SPA for resident customers ITC (60 Mins)

Hotel or travel programme

HoteLux Elite Plus Membership: Complimentary breakfast, Complimentary room upgrade, Early check-in, Late check-out (Subject to availability), Up to US $200 in hotel dining & spa credits

Dining programme

1+1 Set Menu at Signature ITC restaurants, Throughout the year, any number of times, Max 1 per Table/Bill (Except blackout dates as per the hotel)

Golf

4 domestic complimentary golf lessons/rounds in a year (1 per quarter)

Concierge

24 by 7 Concierge: Domestic Golf Reservations, Car Rentals, and travel reservation assistance; International Lost passport & lost luggage assistance, Embassy & hospital assistance.

Milestone benefits

14000 additional reward points (worth ₹3500) on spends of ₹10 lacs annually; 26000 additional reward points (worth ₹6500) on spends of ₹15 lacs annually.

Movie or entertainment ticket benefit

Movie Ticket: Buy 1 get 1 ticket up to ₹500 once a month (Bookmyshow)

Fuel surcharge waiver

Fuel surcharge Waiver: Min. ₹12.50 or 1% on single fuel transaction of amount greater than ₹500 & less than ₹4000; Maximum surcharge waiver up to ₹350 within a billing cycle

Surcharge on railway tickets

IRCTC website: Up to 1.8% of the transaction amount.

Air accident cover

Air Accidental Insurance: 1 Cr; Personal Accidental Insurance: 50 Lakhs.

Purchase protection

Purchase Protection: 2 lakhs

Travel insurance

Travel Insurance (Baggage Loss 20k)

Balance transfer terms

1% of transfer amount or ₹199/-, whichever is higher.

Forex markup

0%

Cash advance fee

2.5% of cash withdrawn or ₹400 at PNB ATMs (₹500 at other ATMs and overseas), whichever is higher, from 01 November 2026

Interest on unpaid balance

2.95% per month; 1.5% per month for cards against Fixed Deposit.

Interest-free period

20-50 days interest-free when you pay in full.

Late payment fee

Nil for ₹500 or less; ₹500 for ₹501 to ₹1000; ₹750 for ₹1001 to ₹10000; ₹1000 for ₹10001 to ₹50000; ₹1200 above ₹50000, from 01 November 2026

Over-limit fee

Over-limit Fee: The Bank may approve certain transactions attempted by the Cardholder which can breach the Credit Limit, an over limit-fee of 2.5% of the over-limit amount (subject to a minimum of ₹500/-) will be levied.

Statement or duplicate statement fee

₹50/- for all cards.

Utility transaction fee

Utility Bill Fee 1% of total amount of Utility Payment, if the total amount exceeds ₹50,000/- in a billing cycle, maximum ₹2000/- per transaction

Grace days after the due date

Customers will be allowed a grace period of 3 days from the payment due date, where payments are not overdue.

Age the primary cardholder must be

21-70 years

Income requirement

Annual income of ₹18,00,000

Income, salaried

Gross monthly salary of ₹1,50,000 and above.

Income, self-employed

Annual income of ₹18,00,000 and above.