PNB Zaggle Co-Branded Twin Credit Card

PNB's 2026 co-brand with fintech Zaggle is issued as a biodegradable 'Twin' card available on both Visa and RuPay networks, aimed at everyday spenders who want railway lounge access and lifestyle vouchers rather than airport lounges. The Zagg Coins redemption mechanic adds a layer most PNB cards don't have.

Annual fee

₹499

Joining fee

₹499

Reward type

points

Base reward rate

Card network

RuPay

Card tier

Entry

Who this card fits

Best suited to applicants with a credit score of roughly 680+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.

Rewards & benefits

Rewards rate: 1% base rate

Benefits by category

🍽️ Dining & food delivery
OTT subscription and fitness-membership offers; 1.5% discount on jewellery purchases; dining benefits.
✈️ Travel
Complimentary railway lounge access.
🛡️ Insurance
Personal accident insurance cover.
⛽ Fuel
Fuel surcharge waiver on eligible transactions.
🌍 Forex / international spend
3.5% forex markup on international transactions

Eligibility

Minimum credit score: 680
Minimum monthly income: ₹15,000
Employment: salaried, self-employed
Age: 21–60

Fees & charges

Spend-based waiver: Waived on annual spend of ₹1,50,000
Foreign currency markup: 3.5%
Interest rate: 3.5% p.a.

Benefits

10 reward points per ₹300 spent, redeemable as Zagg Coins (1 Zagg Coin = ₹0.25).
Complimentary railway lounge access.
OTT subscription and fitness-membership offers; 1.5% discount on jewellery purchases; dining benefits.
Personal accident insurance cover.
Fuel surcharge waiver on eligible transactions.

Pros

+ Railway lounge access is unusual for this fee tier
+ Broad lifestyle bundle: OTT, fitness, jewellery discount, dining
+ Fee waived at a reachable ₹1.5 lakh annual spend

Cons

− Rewards redeem only as Zagg Coins, not flexible cashback
− No airport lounge access
− New co-brand with a limited track record

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Best for

travel credit cards RuPay credit cards