PNB Zaggle Twin Credit Cards
- Joining fee
₹499 + GST
- Annual fee
₹499 + GST
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
10 Reward Points on Every ₹300 Spent
- Reward redemption
1 Zagg Coin = ₹0.25
Benefits
- Movie & dining
3-Month Swiggy Membership (RuPay Variant); Buy 1 get 1 on Movies Up to ₹250 Per Quarter (RuPay Variant)
- Travel
₹1,500 MakeMyTrip Coupon Every Quarter (RuPay Variant); Up to 15% Off on Ixigo Flights & Stay (Visa Variant); 2 IRCTC Railway Lounge Visits Per Quarter (Visa Variant)
- Domestic lounge
2 Domestic Lounge Access Per Quarter (RuPay Variant)
- International lounge
2 International Lounge Access Per Year (RuPay Variant)
- Insurance
Personal Accident Insurance Cover Up to ₹10 Lakhs (RuPay Variant)
Fees & charges
- Spend-based waiver
Annual Fee Waived on Spends of ₹1.5 Lakh in the Previous Year
- Foreign currency markup
3.5%
- Interest rates
2.95% per month (35.8% Per Annum)
- Fuel surcharge waiver
1% Fuel Surcharge Waiver on Fuel Spends Between ₹400 and ₹4,000, Up to ₹350 Per Statement Cycle
- Cash advance charges
2%
Product highlights
- Comes with both Visa and RuPay credit cards linked to a single credit card account
- Annual fee is waived on spending ₹1.5 lakh or more in the previous anniversary year.
- Earn 10 Reward Points on every ₹300 spent on eligible transactions.
- Reward Points can be redeemed as Zagg Coins, where 1 Zagg Coin equals ₹0.25.
- Provides a 1% fuel surcharge waiver on eligible fuel transactions.
- Offers personal accident insurance cover of up to ₹10 lakh on the RuPay variant.
Pros & cons
Pros
- Users will receive two credit cards (Visa and RuPay) under a single credit card account with a shared credit limit.
Cons
- For a card with a ₹499 annual fee, the reward rate is quite decent.
FAQs
What is the joining and annual fee for the PNB Zaggle Twin Credit Card?
The card comes with a joining fee of ₹499 and an annual fee of ₹499 + GST.
Can the annual fee be waived?
Yes, the annual fee is waived if you spend ₹1.5 lakh or more during the previous anniversary year.
What reward points can I earn with this card?
Cardholders earn 10 Reward Points for every ₹300 spent on eligible transactions. The earned rewards can be redeemed as Zagg Coins, where 1 Zagg Coin is worth ₹0.25.
Does the card offer airport lounge access?
Yes, the RuPay variant offers 2 complimentary domestic airport lounge visits every quarter and 2 complimentary international airport lounge visits every year.
Is there a fuel surcharge waiver on the card?
Yes, the card offers a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹4,000, up to a maximum of ₹350 per statement cycle.
Does the PNB Zaggle Twin Credit Card offer insurance coverage?
Yes, the RuPay variant comes with personal accident insurance coverage of up to ₹10 lakh.