PNB RuPay Metal Card "LUXURA"
A metal RuPay card with a ₹9,000 joining fee (charged only if spend in the first three cycles is under ₹2.5 lakh) and a ₹7,500 annual fee (waived above ₹8 lakh a year): 4 points per ₹100 at ₹0.25 (1%), no forex markup, unlimited lounge access, milestone points and ITC hotel benefits. 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.
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 | ₹9,000 plus GST Product page |
|---|---|
| Annual fee | ₹7,500 plus GST Product page |
| Annual fee waiver | On ₹8,00,000 of spend in the year Product page |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| The ₹9,000 joining fee is charged only if spend in the first three billing cycles is under ₹2.5 lakh, or if the card is closed within 90 days of activation. | |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| All eligible spends | 4 points per ₹100 Product page | no cap on record |
Also earns 3X points on travel and dining (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 complimentary domestic and international lounge access Product page
- Fuel: 1% fuel surcharge waived (minimum ₹12.50) on fills above ₹500 and below ₹4,000, up to ₹350 a billing cycle Product page
- Welcome: 20,000 reward points on ₹50,000 of spend within 90 days of activation Product page
- Milestone: 10,000 reward points (₹2,500) on ₹5 lakh of spend in a year Product page
- Milestone: 14,000 reward points (₹3,500) on ₹10 lakh of spend in a year Product page
- Milestone: 26,000 reward points (₹6,500) 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.
- 3X reward points on travel and dining Product page
- ITC hotels: stay 3 nights, pay for 2; 1+1 dining and spa Product page
- HoteLux Elite Plus membership (breakfast, upgrades, up to US$200 dining and spa credit) Product page
- Buy one get one movie ticket on BookMyShow, up to ₹500, once a month Product page
- Air accident cover of ₹1 crore and personal accident cover of ₹50 lakh Product page
- 4 complimentary golf lessons or rounds a year Product page
- Emergency cash of up to US$600 abroad if the wallet is lost Product page
Eligibility
- Age 21 or above Product page
- Age 70 or below Product page
- Salaried: gross monthly salary of ₹1.5 lakh or more Product page
- Non-salaried: annual income of ₹18 lakh or more 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 spends that earn no reward points
- which spends count as travel and dining for the 3X rate
- the GST rate (fees are plus GST)
Where Punjab National Bank’s documents differ, and what is used
- Welcome points: the card page gives 20,000 points on ₹50,000 of spend in 90 days; the older LUXURA brochure PDF says 40,000 and lists only the ₹5 lakh milestone. The card page is used.
- Fuel surcharge waiver: the card page gives fills above ₹500; the MITC row for all cards gives above ₹400. The card page 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
41 figures, each copied from an official Punjab National Bank document.
Show every quote and source
“Joining Fee - Rs. 9000 + GST #”
“Annual Fee - Rs. 7500 + GST ##”
“## Annual fee will be waived if annual spends on the card exceeds ₹8 lakh from the date of issuance of card.”
“Forex Markup : Nil”
“Earn 4 rewards points (Worth Rs. 1) for every Rs100/- spent.”
“Individuals who satisfy the eligibility criteria as laid down can apply for PNB Credit Card.”
“# Joining fee will be 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 of the date of activation.”
“Nil markup for PNB metal card "Luxura"(RuPay/VISA) & 3.50% markup for all other card, over and above the currency”
“Personal Accidental Insurance: 50 Lakhs”
“ITC (Premium Hotels other than Fortune) Throughout the year, any number of times.(Except blackout dates as per the hotel)”
“Against Fixed Deposit - Minimum ₹1.5 Lakh, sanctioned limit will be as per Bank's Policy.”
“40,000 rewards point* on spend of Rs. 50k in 90 days”
“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.”
“Zero for Luxura (Visa & RuPay) & 3.50% of the transaction value for all cards over and above the currency conversion rate.”
“A charge of 99/- plus applicable GST will be levied for each redemption/claim of reward points.”
“Unlimited Complementary Domestic & International Lounge Access”
“Min. Rs.12.50 or 1% on single fuel transaction of amount greater than Rs.500 & less than Rs.4000/-.”
“Maximum surcharge waiver up to Rs. 350/- within a billing cycle exclusive of service tax and other charges.”
“20,000 rewards point* on spend of Rs. 50k in 90 days of activation”
“10,000 reward points (equivalent to ₹2500) on spend of ₹5 lacs annually.”
“14000 reward points (worth ₹3500) on spends of ₹ 10.00 lakh in a year.”
“26000 reward points (worth ₹6500) on spends of ₹ 15.00 lakh in a year.”
“3X Reward Point on travel & dining spends.”
“2+1 Complimentary night”
“Up to US$200 in hotel dining & spa credits.”
“Buy 1 get 1 ticket up to INR 500 once a month”
“Air Accidental Insurance: 1 Cr”
“4 domestic complimentary golf lessons/rounds in a year (1 per quarter)”
“In case of loss of wallet, cash support of $600 anywhere in globe.”
“Age Criteria : 21-70 Years”
“For Salaried - Gross monthly salary of 1,50,000/- and above.”
“For Non salaried - Annual income of Rs. 18,00,000/- and above.”
“APPLY CREDIT CARD ONLINE”
“PNB Metal Credit Card "LUXURA" on 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