Welcome Benefit: 40,000 rewards point* on spend of Rs. 50k in 90 days
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PNB Luxura Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: 40,000 rewards point* on spend of Rs. 50k in 90 days
Milestone Benefits
Milestone Benefit: 10,000 reward points on spend of 5 lacs annually.
Cashback Rate
Users can earn 4 reward point for every INR 100 spent.
1 RP= INR 0.25. Effective cashback rate = 1%.
User earn 12 reward points for every INR 100 spent on trave and dining.
Travel and dining cashback rate: 3%.
Movie Benefits
Buy 1 get 1 ticket up to INR 500 once a month from BookMyShow.
Dining Benefits
1+1 Dinning (Set Menu) at Signature ITC restaurants (Applicable restaurants - Peshawari/Avartana/Kebabs & Kurries/Royal Vega/DumPukht/ Yi Jing/Pan Asian/Ottimo Cucina Italiana) Throughout the year, any number of times, Max 1 per Table/Bill
Other Benefits
Free concierge service
Zero forex markup.
2+1 Complimentary night at ITC (Premium Hotels other than Fortune) Throughout the year, any number of times.(Except blackout dates as per the hotel).
1+1 SPA SPA for resident customers ITC (60 Mins),Throughout the year, any number of times.
HoteLux Membership.
Buy 1 get 1 ticket up to INR 500 once a month from BookMyShow.
4 domestic complimentary golf lessons/rounds in a year (1 per quarter).
Visa application discount on services from OneVasco.
Personal Accidental Insurance: 50 Lakhs
Air Accidental Insurance: 1 Cr
Purchase Protection: 2 lakhs
Travel Insurance (Baggage Loss 20k)
Lounge Access
8 free domestic lounge visits per year and 4 international lounge visit per year.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: 40,000 rewards point* on spend of Rs. 50k in 90 days
Milestone Benefits
Milestone Benefit: 10,000 reward points on spend of 5 lacs annually.
Cashback Rate
Users can earn 4 reward point for every INR 100 spent.
1 RP= INR 0.25. Effective cashback rate = 1%.
User earn 12 reward points for every INR 100 spent on trave and dining.
Travel and dining cashback rate: 3%.
Movie Benefits
Buy 1 get 1 ticket up to INR 500 once a month from BookMyShow.
Dining Benefits
1+1 Dinning (Set Menu) at Signature ITC restaurants (Applicable restaurants - Peshawari/Avartana/Kebabs & Kurries/Royal Vega/DumPukht/ Yi Jing/Pan Asian/Ottimo Cucina Italiana) Throughout the year, any number of times, Max 1 per Table/Bill
Other Benefits
Free concierge service
Zero forex markup.
2+1 Complimentary night at ITC (Premium Hotels other than Fortune) Throughout the year, any number of times.(Except blackout dates as per the hotel).
1+1 SPA SPA for resident customers ITC (60 Mins),Throughout the year, any number of times.
HoteLux Membership.
Buy 1 get 1 ticket up to INR 500 once a month from BookMyShow.
4 domestic complimentary golf lessons/rounds in a year (1 per quarter).
Visa application discount on services from OneVasco.
Personal Accidental Insurance: 50 Lakhs
Air Accidental Insurance: 1 Cr
Purchase Protection: 2 lakhs
Travel Insurance (Baggage Loss 20k)
Lounge Access
8 free domestic lounge visits per year and 4 international lounge visit per year.
Fees & Charges of
PNB Luxura Credit Card
Joining Fee
Joining Fee: INR 9,000 + GST
Annual Fee
Annual Fee: INR 7,500 + GST
Cash Advance Fee
Cash advance fee: 2% of the cash withdrawn or INR 50
Interest rate
Interest Rates: 2.45 percent every month 29.81%.p.a.
Late Payment Fee
Late payment fee- Rs. 1,000 or less: Nil Rs. 1,001 to Rs. 5,000: Rs. 500 Rs. 5,0001 to Rs. 10,000: Rs. 600 Above Rs. 10,000: Rs. 750
Foreign Currency Transactions Fee
0%
Other Fees
Reward Redemption Fees: NIL
Joining Fee
Joining Fee: INR 9,000 + GST
Annual Fee
Annual Fee: INR 7,500 + GST
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rates: 2.45 percent every month 29.81%.p.a.
Late Payment Fee
Late payment fee- Rs. 1,000 or less: Nil Rs. 1,001 to Rs. 5,000: Rs. 500 Rs. 5,0001 to Rs. 10,000: Rs. 600 Above Rs. 10,000: Rs. 750
Foreign Currency Transactions Fee
0%
Other Fees
Reward Redemption Fees: NIL
Fee and Charges of
PNB Luxura Credit Card
Special Features
Eligibility Criteria
Age: 21-70 years old.
Citizenship: Indian resident.
Employment: Salaried or self-employed.
Income: Minimum income of INR 18,00,000 per year.
Speical Feature, Eligibility and Benefits of
PNB Luxura Credit Card
How to apply for Credit Card?
Contact Details
N/A
Account Opening and Procedure of
PNB Luxura Credit Card
Product Review of
PNB Luxura Credit Card
The card is packed with all kind of benefits. 10% cashback on PhonePe spends is a solid plus point. Overall it is one of the best credit cards in India.
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review of
PNB Luxura Credit Card
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
