PNB LUXURA Metal Credit Card
- Joining fee
Visa Infinite – ₹4,999 +GST | RuPay EKAA – ₹9,000 +GST
- Annual fee
Visa Infinite – ₹1,999 +GST | RuPay EKAA – ₹7,500 +GST
- Best suited for
Movies, Travel, Dining
- Reward type
Reward Points
Rewards
- Rewards rate
3X Reward Points/₹100 Spent on Dining and Travel. 4 Reward Points/₹100 Spent
- Welcome benefits
20,000 RPs (₹5,000 Value) on ₹50,000 Spend in 90 Days for Both Infinite and Ekaa Variants
- Reward redemption
1 Reward Point = ₹0.25
Benefits
- Movie & dining
BOGO on Movie Ticket Bookings (Up to ₹500) Once Each Month
- Travel
Complimentary Memberships With Visa Infinite and RuPay Ekaa
- Domestic lounge
Unlimited Airport Lounge Access
- International lounge
Unlimited Airport Lounge Access
- Golf
4 Golf Rounds/Lessons Each Year (Maximum One Each Quarter)
- Insurance
Personal Accidental Insurance: ₹50 Lakhs | Air Accidental Insurance: ₹1 Crore | Purchase Protection: ₹2 Lakhs | Travel Insurance (Baggage Loss): ₹20,000
Fees & charges
- Spend-based waiver
Joining Fee Waiver on Spends of ₹2.5 Lakh or More Within Three Billing Cycles. Annual Fee Waiver on Spends of ₹6 Lakh or More
- Foreign currency markup
Zero
- Interest rates
Monthly – 2.95% | Yearly – 35.89%
- Fuel surcharge waiver
1% Waiver on Fuel Spends Between ₹500 and ₹4,000
- Cash advance charges
2%
Product highlights
- The PNB LUXURA is a metal credit card.
- This card comes in the RuPay Ekaa and Visa Infinite variants and hence carries several premium benefits like free movie tickets and complimentary hotel memberships.
- Those who travel abroad can take advantage of the zero Forex markup charge.
- Both international and domestic airport lounge access are available with this card.
Pros & cons
Pros
- This card is best suited for high spenders, as higher usage not only unlocks more benefits but also helps waive both the joining and annual fees by meeting the spend thresholds.
Cons
- For a premium metal offering, this card lacks renewal benefits.
FAQs
What is the joining and annual fee for the PNB LUXURA Metal Credit Card?
The fee depends on the card variant: Visa Infinite: ₹4,999 joining fee and ₹1,999 annual fee (+GST). RuPay EKAA: ₹9,000 joining fee and ₹7,500 annual fee (+GST).
Does the PNB LUXURA Metal Credit Card charge forex markup on international transactions?
No. The PNB LUXURA Metal Credit Card comes with zero forex markup, making it a great choice for international spending. Cardholders also earn Reward Points on eligible overseas transactions.
How many Reward Points can I earn with the PNB LUXURA Metal Credit Card?
Cardholders earn: 12 Reward Points (3X) per ₹100 spent on travel and dining. 4 Reward Points per ₹100 spent on other eligible retail transactions. 1 Reward Point = ₹0.25.
What are the welcome benefits on the PNB LUXURA Metal Credit Card?
The Visa Infinite and RuPay EKAA variants offer the same welcome benefit of 20,000 Reward Points (worth ₹5,000) on spending ₹50,000 within the first 90 days.
Does the PNB LUXURA Metal Credit Card offer airport lounge access?
Yes. Both the Visa Infinite and RuPay EKAA variants offer unlimited complimentary domestic and international airport lounge access, making the card ideal for frequent travelers.
Can I switch from the Visa Infinite variant to the RuPay EKAA variant later?
Applicants can choose either the Visa Infinite or RuPay EKAA variant while applying for the card. However, the card variant cannot be changed during the first year after issuance.
Who should apply for the PNB LUXURA Metal Credit Card?
The PNB LUXURA Metal Credit Card is best suited for frequent travelers and high-income individuals looking for a premium metal credit card with zero forex markup, unlimited lounge access, accelerated travel and dining rewards, luxury hotel memberships, and Visa Infinite or RuPay EKAA privileges.