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PNB RuPay Millennial Credit Card
RuPay
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
₹750
Joining fee
₹750
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ✈️ Travel
Complimentary domestic and international airport lounge visits.
- 🛍️ Shopping
3% reward rate (capped ₹1,000/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- 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: 3.5% p.a.
Benefits
- 300+ reward points on activation.
- Complimentary domestic and international airport lounge visits.
- Complimentary golf sessions, spa visits and gym membership access.
Pros
- + Lounge access plus lifestyle perks (golf, spa, gym)
- + Decent rewards on online shopping
- + Reasonable annual fee waiver threshold
Cons
- − Lifestyle perks require redemption effort to get full value
- − Base reward rate on general spend is average
- − Limited public documentation on exact terms