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PNB LUXURA RuPay Metal Credit Card
PNB's first metal super-premium card, offering unlimited lounge access and zero forex markup on RuPay's EKAA network — a rare high-fee product from a PSU bank.
Annual fee
₹7,500
Joining fee
₹9,000
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: Unlimited complimentary domestic lounge access
- International lounge access: Unlimited complimentary international lounge access
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate
- ✈️ Travel
3% reward rate · Unlimited domestic and international airport lounge access
- 🌍 Forex / international spend
Zero forex markup on international spends · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹1,50,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹8,00,000
- Foreign currency markup: 0%
- Interest rate: 35.89% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver (min ₹12.50), up to ₹350 per month, on fuel spends between ₹500 and ₹4,000
Benefits
- Unlimited domestic and international airport lounge access
- Zero forex markup on international spends
- Metal card construct with high credit limits
Pros
- + Unlimited domestic + international lounge access
- + Zero forex markup — unusual for a PSU bank card
- + Joining fee waived on ₹2.5L spend in 3 billing cycles
Cons
- − High annual fee (₹7,500+GST) for a PSU-issued card
- − RuPay-only acceptance abroad is more limited than Visa/Mastercard
- − New product with limited independent reviews
Best for