PNB LUXURA RuPay Metal Credit Card
Best for high spenders wanting zero forex and unlimited lounge. 4 RP per Rs 100 (1 RP = Rs 0.25); Paisabazaar reports 12 RP/Rs 100 on travel & dining
Terms as of 2026-09-27 · Checked 30 September 2026PNB LUXURA RuPay Metal Credit Card at a glance
Who it suits: High spenders wanting zero forex and unlimited lounge
Rewards & cashback
| Details | |
|---|---|
| How you earn | 4 RP per Rs 100 (1 RP = Rs 0.25); Paisabazaar reports 12 RP/Rs 100 on travel & dining |
| Welcome benefit | 20,000 reward points on Rs 50,000 spend in 90 days (official page; Paisabazaar says 40,000) |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹1,200 | -₹7,650 |
| ₹3,00,000 / year | ₹3,000 | -₹5,850 |
| ₹6,00,000 / year | ₹6,000 | -₹2,850 |
| ₹12,00,000 / year | ₹12,000 | ₹12,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | Unlimited complimentary domestic & international |
| Fuel surcharge | 1% (min Rs 12.50) waiver, max Rs 350/cycle |
| Forex markup | 0.00% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹9,000 + GST |
| Annual / renewal fee | ₹7,500 + GST |
| Fee waiver | Annual fee waived on annual spend above Rs 8 lakh; joining fee waived on Rs 2.5 lakh spend within 3 billing cycles |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | 1800000 |
| Age | 21-70 (Luxura page) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| Standard Chartered Beyond | Standard Chartered | ₹15,000 / ₹25,000 | 3.33% base value | Affluent Priority Banking clients |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
Frequently asked questions
What is the annual fee of the PNB LUXURA RuPay Metal Credit Card?
Joining fee ₹9,000 and annual fee ₹7,500 (plus 18% GST). Annual fee waived on annual spend above Rs 8 lakh; joining fee waived on Rs 2.5 lakh spend within 3 billing cycles.
What rewards does it offer?
4 RP per Rs 100 (1 RP = Rs 0.25); Paisabazaar reports 12 RP/Rs 100 on travel & dining
Does it give airport lounge access?
Unlimited complimentary domestic & international
What is the forex markup?
0.00% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹0.
Who is eligible?
1800000. A CIBIL score of 750+ improves approval chances.
Is the PNB LUXURA RuPay Metal Credit Card good for me?
Best for: High spenders wanting zero forex and unlimited lounge. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: pnbcard.in, 2026-09-27. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on Punjab National Bank’s website before applying. FinancePortal is not affiliated with the issuer.