PNB Zaggle Co-Branded Twin Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns reward points

First-year fee

₹499 to join.

Annual fee

₹499 a year.

What it gives back

10 reward points per ₹300 · everyday spends

Read from 5 Punjab National Bank documents, last checked 19 Oct 2026.

How it compares

Compared with the cards we have read

₹499 annual fee: of the 273 other open cards whose annual fee we have read, 100 state a lower one, 25 state the same and 148 state a higher one.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

Rewards

Reward rate
10 reward points per ₹300 · everyday spends10 reward points for every ₹300 spent.

Charges

Forex markup
3.5% on foreign currency transactions.3.50% markup over and above the currency conversion rate
Cash advance fee
2% of cash withdrawn or ₹150 for RuPay Select and ₹100 for other cards, whichever is higher.
Interest on unpaid balance
2.95% per month
Interest-free period
20-50 days, applicable only on retail purchases and if the previous month’s balance has been cleared in full
Late payment fee
Nil for ₹1000 or less; ₹500 for ₹1001 to ₹5000; ₹600 for ₹5001 to ₹10000; ₹750 above ₹10000.

Eligibility

How we know - 5 documents from Punjab National Bank, checked 19 Oct 2026

5 documents from Punjab National Bank, checked 19 Oct 2026.

On these lists

₹499 a year

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