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PNB Rupay Millennial Card

Product Details
Credit Card Name : 

PNB Rupay Millennial Card

Bank Name :

Punjab National Bank

Type :

Lifestyle Credit Card

Interest Rate : 

2.95% p.m. (35.89% 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

PNB Rupay Millennial Card
Pros


  • Customers get 300+ reward points on the activation (Welcome offer) 

  • 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
300+ Reward Points on card Activation
Rewards System

Earn 2 reward points on every other Rs. 150 spent on this card. 1 RP = 0.50 paisa 

Effective cashback rate = 1%

International Forex Markup
3.50% on the conversion amount
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
PNB Rupay Millennial Card

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.

Abhijeet Saxena

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
NA
Billing Cycle

30 Days

Fees & Charges
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