PNB Metal Card "LUXURA" INDIAN ARMY
A metal Visa or RuPay card for Indian Army officers: no joining fee, ₹1,999 annual fee (waived above ₹5 lakh a year), 4 points per ₹150 at ₹0.25 (about 0.67%), no forex markup, unlimited lounges and 3% cashback on CSD spends. Every figure below is copied from Punjab National Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-21.
Only for Indian Army personnel of officer rank.
Not on record from an official document: the list of spends that earn no reward. CardWise does not estimate these.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | ₹1,999 plus GST Product page |
| Annual fee waiver | On ₹5,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| All spends except restricted merchant categories | 4 points per ₹150 Product page | no cap on record |
CSD canteen spends also earn 3% cashback (not priced here). Points are redeemed from 1,000 upwards on PNB Rewardz (catalogue, vouchers or cashback) and expire after 3 years; a ₹99 + GST fee applies to each redemption from 1 Nov 2026.
Benefits
- Lounges: Unlimited domestic and international lounge access (1,800+ lounges) Product page
- Fuel: 1% fuel surcharge waived on fills above ₹400 and below ₹4,000, up to ₹350 a billing cycle Product page
- Milestone: 8,000 reward points (₹2,000) on ₹5 lakh of spend in a year Product page
- Milestone: 16,000 reward points (₹4,000) on ₹10 lakh of spend in a year Product page
- Milestone: 24,000 reward points (₹6,000) on ₹15 lakh of spend in a year Product page
Also on this card
Quoted from Punjab National Bank; not counted in the net value.
- 3% cashback on CSD canteen spends, up to ₹3,000 a billing cycle (once the cycle's spend passes ₹6,000) Product page
- RuPay variant: ITC stay 3 nights pay 2, 1+1 dining and spa Product page
- RuPay variant: buy one get one on BookMyShow up to ₹500 once a month Product page
- RuPay variant: 4 complimentary golf lessons a year Product page
- Visa variant: up to ₹750 voucher on card activation Product page
Eligibility
- Age 21 or above Product page
- Age 70 or below Product page
The issuer publishes only part of its criteria; approval rests on its own assessment.
Not published by Punjab National Bank in the documents read
- the list of restricted merchant categories that earn no points
- an income criterion (limits are set by rank)
- the GST rate (fees are plus GST)
Where Punjab National Bank’s documents differ, and what is used
- Point value: the card page, the MITC and PNB's notice of 1 Sep 2024 give ₹0.25 a point; the older Rewards Program page still says ₹0.50 (50 paise). The ₹0.25 rate is used.
The quotes behind the figures
34 figures, each copied from an official Punjab National Bank document.
Show every quote and source
“Joining Fees : NIL”
“Annual Fee : Rs.1999 + GST”
“Annual fee will be waived if annual spend on the card exceeds Rs. 5.0 lakh from the date of activation.”
“Forex Markup : NIL”
“Rs. 5 lacs: 8000 reward points (cashable value=Rs.2000)”
“Rewards Points : 4 reward points on Every Rs150/- other than restricted MCCs*.”
“Individuals who satisfy the eligibility criteria as laid down can apply for PNB Credit Card.”
“Specially Designed for Indian Army Personnel”
“Nil markup for PNB metal card "Luxura"(RuPay/VISA), PNB Luxura for Army Personnel (RuPay/Visa) &”
“3 % Cashback on all CSD Spends.”
“CIC : 700 or more”
“NIL For VISA/RuPay Credit Card Variants 99 per redemption request.”
“Presently the Value of 1reward point is 25 paise”
“Effective 1st September 2024, value of 1 (One) PNB Credit Card Reward Point will be Rs. 0.25.”
“1 (One) Reward Point is worth INR 0.50 (50 paise).”
“Reward points can be redeemed provided a minimum of 1000 points are redeemed by request in writing”
“The reward points on Credit Cards will be expired if not redeemed within 3 years from the date”
“GST, as notified by the Government of India, is applicable on all fees, interest and other charges”
“PNB RuPay Credit Cards can now be linked on UPI.”
“A charge of 99/- plus applicable GST will be levied for each redemption/claim of reward points.”
“Unlimited Domestic and International Lounges”
“1% on single fuel transaction of amount greater than Rs.400 & less than Rs.4000/-”
“Maximum surcharge waiver up to Rs. 350/- within a billing cycle exclusive of service.”
“Rs. 10 lacs: 16000 reward points (cashable value=Rs.4000)”
“Rs. 15 lacs: 24000 reward points (cashable value=Rs.6000)”
“(Cashback available only when spends in the billing cycle exceeds Rs.6,000. Cashback capped at Rs.3000 per billing cycle.)”
“2+1 complimentary night”
“Bookmyshow: Buy 1 get 1 up to INR 500 once in month”
“4 domestic complimentary Golf lessons in a year”
“Upto Rs. 750.00 voucher on card activation”
“Age : 21 & upto 70 Years”
“APPLY CREDIT CARD ONLINE”
“Eligibility : All Indian Army personnel of Officer Rank.”
“Card Variant : PNB LUXURA Premium Metal Credit Card (Visa/RuPay)”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with Punjab National Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is Punjab National Bank’s own file from its website, unaltered, fetched 2026-10-21. Methodology