PNB Rupay Millennial Card

PNB Rupay Millennial Card is a lifestyle credit card from Punjab National Bank. Users will earn 2 reward points for every ₹150 spent on this card. 1 RP = 0.50 paisa.

Joining fee: Nil
Annual fee: ₹999
Forex markup: 3.50% on the conversion amount
Interest: 2.95 percent every month 35.89%.p.a

More PNB cards

Welcome benefits

Users will get 300+ reward points on card activation

Rewards & cashback

Users will earn 2 reward points for every ₹150 spent on this card. 1 RP = 0.50 paisa
Effective cashback rate = 0.66%

Airport lounge access

Domestic and international lounge access program

More benefits & features

Complimentary golf and spa sessions
Complimentary gym membership
Premium health check-up package
Comprehensive insurance coverage: Get comprehensive insurance coverage, including purchase protection, travel insurance, and lost card liability protection

Fees & charges

Joining fee: Nil
Annual fee: ₹999 p.a.(waived off on spending ₹1 lakh in a year)
Foreign currency markup: 3.50% on the conversion amount
Interest rate: 2.95 percent every month 35.89%.p.a
Late payment: Late payment fee- ₹1,000 or less: Nil ₹1,001 to ₹5,000: ₹500 ₹5,0001 to ₹10,000: ₹600 Above ₹10,000: ₹750
Cash advance: 2% of the cash withdrawn or ₹150
Billing cycle: 30 Days
Other fees: ₹399/- | Reward Redemption Fees: NIL

Pros and cons

What works well

Users will get 300+ reward points on card activation
Users will earn 2 reward points for every ₹150 spent on this card. 1 RP = 0.50 paisa
Effective cashback rate = 0.66%
Annual fee waiver on spending ₹1 lakh or more in a year
Domestic and international lounge access program
Complimentary golf and spa sessions

Worth knowing

No rewards on fuel or dining
High annual fee of ₹999

Who can apply

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

How to apply

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…
Once your application is approved, you will receive your PNB RuPay Millennial Credit Card within 7-10 business days

Details come from information published by Punjab National Bank and may change. Confirm current fees, benefits and eligibility with the bank before applying. Some links are partner links; MyRupaya may earn a commission at no extra cost to you.