PNB Rupay Millennial Card
MyRupaya Ratings
Product Details
Credit Card Name :
MakeMyTrip ICICI Bank Credit Card
Bank Name :
ICICI Bank
Type :
Travel Credit Card
Interest Rate :
3.40%p.m. 40.80%p.a.
Eligibility :
Educational Qualification : Literate (Read & Write) Applicants
Age : Minimum Age :
Primary Applicant : 21 Years
ADD-ON Card Holder : 18
Maximum Age : 65 Years
Min age 18 and NO Max age for Card Holders issued Card against FDR
Income Criteria : Min. Gross Annual Income Rs. 5 Lacs
Pros
Welcome Benefit: Users will get 300+ reward points on card activation.
Reward System: Users will earn 2 reward points for every Rs. 150 spent on this card. 1 RP = 0.50 paisa. Effective cashback rate = 0.66%.
Annual fee waiver on spending Rs. 1 lakh or more in a year.
Domestic and international lounge access program.
Complimentary golf and spa sessions.
Complimentary gym membership.
Premium health check-up package.
Comprehensive insurance coverage up to Rs. 10 lakh.
Cons
No rewards on fuel or dining.
High annual fee of Rs. 999.
Pros & Cons
Welcome Benefits
Users will get 300+ reward points on card activation.
Rewards System
Users will earn 2 reward points for every Rs. 150 spent on this card. 1 RP = 0.50 paisa. Effective cashback rate = 0.66%.
International Forex Markup
Welcome Benefits and Reward System
Special Features
Complimentary golf and spa sessions.
Complimentary gym membership.
Premium health check-up package.
Eligibility Criteria
Educational Qualification : Literate (Read & Write) Applicants
Age : Minimum Age :
Primary Applicant : 21 Years
ADD-ON Card Holder : 18
Maximum Age : 65 Years
Min age 18 and NO Max age for Card Holders issued Card against FDR
Income Criteria : Min. Gross Annual Income Rs. 5 Lacs
Benefits
Benefits of PNB RuPay Millennial Credit Card Attractive rewards: Earn 2 reward points for every Rs. 150 spent on your card. You can redeem your reward points for a variety of rewards, such as cashback, travel, and merchandise.
Exclusive merchant offers: Get exclusive discounts and offers at a variety of merchants, including restaurants, hotels, and airlines.
Comprehensive insurance coverage: Get comprehensive insurance coverage, including purchase protection, travel insurance, and lost card liability protection.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Online Visit the PNB Cards website and click on the "Apply Online" button.
Select the PNB RuPay Millennial Credit Card and click on the "Apply Now" button.
Fill in the application form with your personal and financial details.
Upload the required documents, such as your PAN card, Aadhar card, and income proof.
Review and submit your application.
The required documents for applying for a PNB RuPay Millennial Credit Card are: PAN card Aadhar card Income proof (salary slip, salary certificate, Form 16 for salaried individuals; PAN card, IT return, Form 60/61 for self-employed individuals)
Once your application is approved, you will receive your PNB RuPay Millennial Credit Card within 7-10 business days.
Contact Details
Toll Free No. 1800 1800 1800 2021 1800 180 2222 1800 103 2222
Tolled No. 0120-2490000 Landline :011-28044907
care[at]pnb[dot]co[dot]in
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Welcome Benefit: Users will get 300+ reward points on card activation.
Reward System: Users will earn 2 reward points for every Rs. 150 spent on this card. 1 RP = 0.50 paisa. Effective cashback rate = 0.66%.
Annual fee waiver on spending Rs. 1 lakh or more in a year.
Domestic and international lounge access program.
Complimentary golf and spa sessions.
Complimentary gym membership.
Premium health check-up package.
Comprehensive insurance coverage up to Rs. 10 lakh.
No rewards on fuel or dining.
High annual fee of Rs. 999.
Individuals who are between the age of 21-65 years and have a minimum gross annual income of Rs. 5 lakhs are eligible for PNB RuPay Millennial Credit Card. Under the Select credit card category this card is ranked highest as it is the most rewarding and provides you more lounge access than the other ones. This card goes easy on your pocket and rewards you in return with 2 reward points on every other Rs. 150 spent on this card. One can easily spend 1 lakh in a year, which makes it more rewarding on this card as you will get the waiver of renewal fee. This card strives to give you a more rewarding experience by updating its reward redemption benefits from time to time.
PNB Rupay Millennial Card
Abhijeet Saxena
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
Fees & Charges
Joining : Rs. 399/-
Annual Fee : Rs. 999/- p.a.(waived off on spending Rs. 1 lakh in a year)
Cash advance fee: 2% of the cash withdrawn or Rs.150
Interest Rates: 2.95 percent every month 35.89%.p.a.
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 Fees: 3.5%.
Reward Redemption Fees: NIL
Fuel Surcharge
Billing Cycle
30 Days