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PNB LUXURA Premium Metal Credit Card (Indian Army Officers)
RuPay
PNB LUXURA Premium Metal Credit Card (Indian Army Officers)
A no-joining-fee variant of PNB's LUXURA metal card created under PNB's August 2026 tie-up with the Indian Army and offered only to serving Army officers, on Visa or RuPay. It keeps unlimited lounge access and zero forex markup and adds 3% cashback at CSD canteens, though base rewards (4 points per ₹150) are thin.
Annual fee
₹1,999
Joining fee
₹0
Reward type
points
Base reward rate
0.67%
Card network
RuPay
Card tier
Super-premium
Who this card fits
Best suited to salaried applicants with a credit score of roughly 700+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.67% base rate
- Reward redemption: Reward points worth ₹0.25 each
- Travel: Zero forex markup on international transactions
- Domestic lounge access: Unlimited complimentary domestic airport lounge access
- International lounge access: Unlimited complimentary international airport lounge access (1,800+ lounges)
- Golf: 4 complimentary domestic golf lessons a year (RuPay variant only)
Benefits by category
- ✈️ Travel
Unlimited domestic and international airport lounge visits
- 🌍 Forex / international spend
Nil foreign currency markup · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: salaried
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹5,00,000
- Foreign currency markup: 0%
- Interest rate: 2.95% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000, capped at ₹350 per billing cycle
- Cash advance charges: 2% of the amount withdrawn; interest at 2.95% p.m. from the date of withdrawal
Benefits
- 3% cashback at Canteen Stores Department (CSD) outlets on minimum ₹6,000 spend per billing cycle, capped at ₹3,000 per cycle
- Annual milestone points: 8,000 at ₹5 lakh, 16,000 at ₹10 lakh and 24,000 at ₹15 lakh spend
- Unlimited domestic and international airport lounge visits
- Nil foreign currency markup
Pros
- + No joining fee and a ₹1,999 annual fee waived on ₹5 lakh spend
- + 3% cashback at CSD canteen outlets (up to ₹3,000 per cycle)
- + Unlimited domestic and international lounge access with zero forex markup
Cons
- − Restricted to Indian Army personnel of officer rank
- − Base earn of 4 points per ₹150 works out to only about 0.67%
- − CSD cashback needs ₹6,000 minimum spend in the cycle