All cards / Punjab National Bank
PNB RuPay Millennial Credit Card
PNB's lifestyle-oriented RuPay card targeted at younger, digitally-active customers, bundling lounge access with golf, spa and gym perks alongside everyday shopping rewards. It sits between PNB's plain RuPay Platinum and the co-branded travel cards in positioning.
Annual fee
₹999
Joining fee
₹399
Reward type
points
Base reward rate
0.33%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.33% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter
- International lounge access: 2 complimentary international lounge visits per year
Benefits by category
- ✈️ Travel
Complimentary domestic and international airport lounge visits.
- 🛡️ Insurance
Personal accident insurance cover of ₹10 lakh
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹41,667
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹350 per statement cycle
Benefits
- 300+ reward points on activation.
- Complimentary domestic and international airport lounge visits.
- Complimentary golf sessions, spa visits and gym membership access.
- Personal accident insurance cover of ₹10 lakh
Pros
- + Lounge access plus lifestyle perks (golf, spa, gym, health check-up)
- + ₹10 lakh personal accident cover
- + Annual fee waived on ₹1 lakh yearly spend
Cons
- − Lifestyle perks require redemption effort to get full value
- − Base reward rate is low: 2 points per ₹150 (about 0.33%)
- − No bonus reward category