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PNB LUXURA Visa Infinite Metal Credit Card
Visa
PNB LUXURA Visa Infinite Metal Credit Card
The Visa Infinite version of PNB's LUXURA metal card costs far less than its RuPay EKAA sibling (₹4,999 joining and ₹1,999 annual versus ₹9,000 and ₹7,500), yet keeps unlimited domestic and international lounge access and zero forex markup. It earns a flat 1% in points and 3% on travel and dining, which suits PNB customers earning ₹1.5 lakh a month or more who travel abroad.
Annual fee
₹1,999
Joining fee
₹4,999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
- Reward redemption: Reward points worth ₹0.25 each (4 points = ₹1)
- Travel: Zero forex markup on international spends; 3X reward points (12 per ₹100) on travel; 24x7 Visa concierge for travel, dining and entertainment bookings
- Domestic lounge access: Unlimited complimentary domestic airport lounge access
- International lounge access: Unlimited complimentary international airport lounge access
Benefits by category
- 🍽️ Dining & food delivery
3% reward rate · 24x7 Visa concierge for dining, health, entertainment and reservations
- ✈️ Travel
3% reward rate · Unlimited domestic and international airport lounge visits
- 🌍 Forex / international spend
Nil foreign currency markup · 0% forex markup on international transactions
Eligibility
- Minimum monthly income: ₹1,50,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹6,00,000
- Rewards redemption fee: Not specified by PNB
- Foreign currency markup: 0%
- Interest rate: 2.95% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver (minimum ₹12.50) on fuel 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- Cash advance charges: 2% of the amount withdrawn; interest at 2.95% p.m. from the date of withdrawal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
- 20,000 reward points (₹5,000) on spending ₹50,000 within 90 days
- Annual milestone points: 10,000 at ₹5 lakh, 14,000 at ₹10 lakh and 26,000 at ₹15 lakh spend
- Unlimited domestic and international airport lounge visits
- Nil foreign currency markup
- 24x7 Visa concierge for dining, health, entertainment and reservations
Pros
- + Unlimited domestic and international lounge access on a ₹1,999 annual fee
- + Zero forex markup with Visa's wider global acceptance
- + Joining fee refunded on ₹1.5 lakh spend in the first three billing cycles
- + 3% back on travel and dining spends
Cons
- − High eligibility bar: ₹1.5 lakh monthly salary or ₹18 lakh annual income
- − Annual fee waiver needs ₹6 lakh yearly spend
- − Base 1% reward rate is ordinary outside travel and dining