PNB Visa Metal Card "LUXURA"

Joining fee

₹4,999 + GST

Annual fee

₹1,999 + GST₹1,999 + GST; waived if annual spends exceed ₹6,00,000

Fee waiver rule

Joining fee charged only if (i) Total spend on the card is less than ₹1.5 lakh within three billing cycles from the date of activation (ii) An activated card is closed within 90 days of the date of activation; Annual fee waived if annual spends on the card exceed ₹6,00,000

Add-on card fee

Add-on Metal Card: Joining Fee ₹4999 + GST, Annual Fee ₹1999 + 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

Visa Luxury Hotels: Food and beverage credit starting at US $25, Complimentary Wi-Fi, VIP Guest status, Automatic room upgrade upon arrival (when available), Late check-out upon request (when available), Daily breakfast for two.

Hotel or travel programme

Ixigo: Domestic Flights & Hotels Flat 12% Instant Off upto 1200 (Minimum Transaction Amount ₹5000); International Flights & Hotels Flat 10% Instant Off up to 2500 (Minimum Transaction Amount ₹10000); Once per card per month

Dining programme

Visa Dine and Save: up to 20% off total bill at participating restaurants; No minimum spend required

Concierge

Visa Concierge Service: Seamless reservations for dining, Health and medical services, Entertainment and experiences, Gift and shopping assistance, business, home and roadside assistance; One-time registration is required to activate concierge services.

Milestone benefits

10,000 reward points (worth ₹2500) on spend of ₹5 lacs annually; 14000 additional reward points on spends of ₹10 lacs annually; 26000 additional reward points on spends of ₹15 lacs annually.

Movie or entertainment ticket benefit

Movie Ticket: Buy 1 get 1 ticket up to ₹200 once a month (BookMyShow)

Fuel surcharge waiver

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

Surcharge on railway tickets

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

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.