Punjab National Bank (PNB) has launched a new Credit Card variant – PNB Metal Credit Card ‘LUXURA’, specifically designed for HNIs, top-tier professionals, CEOs, and affluent business owners.
| Age Criteria : | 21-70 Years |
| Educational Qualification | Literate |
| Income Criteria | For Salaried – Gross monthly salary of 2,50,000/- and above. For Non salaried – Annual income of Rs. 30,00,000/- and above. |
| Credit Card Limit | Min – Rs. 100000/- Max. – Rs. 1500000/-* *Limit will be assigned based on the Board approved Risk Underwriting Model. |
| Fees | Joining Fee – Rs. 9000 + GST Annual Fee – Rs. 7500 + GST Joining fee (excluding GST) will be reimbursed, if total spends on the card exceed ₹2.5 lakh within three billing cycles form the date of activation of card. Annual fee (excluding GST) will be waived if annual spends on the card exceed ₹8 lakh form the date of activation of card. Replacement Fee – Rs. 4000 + GST. |
Benefits and Features of PNB Luxura Credit Card
| Benefit Type | Details |
|---|---|
| Welcome Benefits | 40,000 reward points on spending ₹50,000 in 90 days |
| Milestone Benefits | 10,000 reward points on spending ₹5 lakh annually |
| Brand-Specific Reward Multiplier | 3X reward points on travel & dining spends |
| Fuel Surcharge Waiver | Minimum ₹12.50 or 1% on fuel transactions above ₹500 & below ₹4,000; Max surcharge waiver: ₹350 per billing cycle (excluding tax & charges) |
| Rewards Points | Earn 4 reward points (worth ₹1) for every ₹100 spent |
| Lounge Access | Complimentary: Domestic – 2 per quarter; International – 4 per year |
| Forex Markup | 2.50% |
| Hospitality Benefit – Complimentary Nights | 2+1 complimentary night at ITC premium hotels (other than Fortune), any number of times, except blackout dates |
| Hospitality Benefit – Dining | 1+1 dining on set menu at Signature ITC restaurants (Peshawari, Avartana, Kebabs & Kurries, Royal Vega, DumPukht, Yi Jing, Pan Asian, Ottimo Cucina Italiana), any time in the year, max 1 per table/bill, except blackout dates |
| Hospitality Benefit – SPA | 1+1 SPA (60 mins) for resident customers at ITC hotels, any number of times |
| Membership Included | HoteLux Membership |
| HoteLux Valid at | Hyatt, Hilton, AMAN, Rosewood, Virtuoso, Accor, Cheval Blanc, Marriott, IHG, Shangri-La, Four Seasons, The Peninsula, Mandarin Oriental, and more |
| HoteLux Benefits | Complimentary breakfast, Room upgrade (subject to availability), Early check-in*, Late check-out*, Replacement Fee: ₹4,000 + GST, Up to $200 hotel dining & spa credits, One-time HoteLux Points (1,000 & 2,000 points = USD $100 & $200) |
| Movie Ticket | Buy 1 Get 1 (up to ₹500) once a month on BMS or similar (limited seats) |
| Insurance – Personal Accident | ₹50 lakh |
| Insurance – Air Accident | ₹1 crore |
| Purchase Protection | ₹2 lakh |
| Travel Insurance | Baggage loss cover ₹20,000 |
| 24×7 Concierge – Domestic | Golf reservations, car rentals & travel booking assistance |
| 24×7 Concierge – International | Lost passport & luggage support, embassy & hospital assistance |
| Emergency Cash Concierge (International) | In case of wallet loss, cash support of $600 anywhere globally |
| Golf Benefit | 4 domestic complimentary golf lessons/rounds per year (1 per quarter) |
| Visa Application Services (OneVasco) | Complimentary lounge for 2 visitors once per year (only for applicable Visa processes, excluding business Visa) |
| OneVasco Extra Discounts | 15% discount on fast-track immigration; 15% discount on visa concierge services |
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