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PNB Metal Credit Card LUXURA RuPay Ekaa

A premium RuPay Ekaa metal card for customers with ₹1.50 lakh monthly salary or ₹18 lakh annual income, ₹9,000 joining fee and ₹7,500 annual fee plus , unlimited lounge access and 4 points per ₹100.

Rewards4 reward points (worth ₹1) per ₹100 spent; 20,000 welcome points on ₹50,000 spend in 90 days and 10,000 points on ₹5 lakh annual spend.Offers3× reward points on travel and dining, Ixigo flat 12% domestic and 10% international instant discount (minimum order values apply), fuel-surcharge waiver and merchant offers.Annual / renewal fee₹7,500 plus GST per year; waiver conditions are governed by the current LUXURA terms.
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Quick eligibility check

PNB Metal Credit Card LUXURA RuPay Ekaa

0 of 6 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: Salaried gross monthly income ₹1.50 lakh?

Published source: Minimum income

2Does your annual income meet this requirement: non-salaried annual income ₹18 lakh?

Published source: Minimum income

3Can you provide a fixed deposit of at least ₹1.50?

Published source: Minimum income

4Are you aged 21 to 70?

Published source: Eligibility

5Are you this type of customer: salaried, non-salaried and FD-backed routes are published?

Published source: Eligibility

6Document checkDo you have this required document or proof: PNB credit-card application, KYC, PAN and income proof; FD lien/receipt for secured route?

Published source: Eligibility
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
PNB Metal Credit Card LUXURA RuPay Ekaa
Offered byPunjab National Bank

India and international RuPay acceptance

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual / renewal fee₹7,500 plus GST per year; waiver conditions are governed by the current LUXURA terms.View source
The product page states ₹7,500 plus annual fee.
Source
PNB LUXURA RuPay
Page / section
Fees
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Fee waiverJoining fee ₹9,000 plus GST; current terms state reimbursement when spends exceed ₹2.5 lakh within three billing cycles. Annual-fee waiver threshold is not stated on the reviewed product page.View source
The page gives joining fee and reimbursement trigger; annual waiver threshold is not shown.
Source
PNB LUXURA RuPay fees
Page / section
Fees and footnotes
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeSalaried gross monthly income ₹1.50 lakh; non-salaried annual income ₹18 lakh; FD route minimum ₹1.50 lakh.View source
PNB publishes salaried, non-salaried and thresholds.
Source
PNB LUXURA RuPay income criteria
Page / section
Income Criteria
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
EligibilityLiterate applicants aged 21–70; salaried, non-salaried and FD-backed routes are published; limit ₹1 lakh–₹50 lakh under PNB risk model.View source
The product page publishes age, education, income routes and limits.
Source
PNB LUXURA RuPay eligibility
Page / section
Eligibility and Card Limit
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APR35.89% per annum on regular revolving credit; 19.56% per annum for FD-backed cards.View source
The fee schedule applies the regular and -backed rates; LUXURA is covered by the same charges unless separately stated.
Source
PNB Schedule of Fees and Charges
Page / section
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Monthly finance charge2.95% per month regular; 1.5% per month for FD-backed cards.View source
The schedule states the applicable monthly rates.
Source
PNB Schedule of Fees and Charges
Page / section
Finance charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Forex markupNil.View source
PNB publishes nil forex markup for LUXURA.
Source
PNB LUXURA RuPay benefits
Page / section
Benefits and Features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Rewards4 reward points (worth ₹1) per ₹100 spent; 20,000 welcome points on ₹50,000 spend in 90 days and 10,000 points on ₹5 lakh annual spend.View source
The LUXURA benefits table publishes the welcome, milestone and base earning rates.
Source
PNB LUXURA RuPay rewards
Page / section
Benefits and Features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Offers3× reward points on travel and dining, Ixigo flat 12% domestic and 10% international instant discount (minimum order values apply), fuel-surcharge waiver and merchant offers.View source
The official table lists travel/dining multipliers and Ixigo offers.
Source
PNB LUXURA RuPay offers
Page / section
Benefits and Features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Lounge accessUnlimited complimentary domestic and international lounge access.View source
PNB publishes unlimited domestic and international lounge access.
Source
PNB LUXURA RuPay lounge access
Page / section
Benefits and Features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
NetworkRuPay Ekaa.View source
The product heading identifies LUXURA on RuPay Ekaa.
Source
PNB LUXURA RuPay network
Page / section
Product heading
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Age 21–70 and literate applicants
  • Salaried gross monthly income ₹1.50 lakh or non-salaried annual income ₹18 lakh; route from ₹1.50 lakh
  • Credit limit ₹1 lakh–₹50 lakh, assigned under PNB risk model
  • 20,000 welcome points on ₹50,000 spend in 90 days; 10,000 milestone points on ₹5 lakh annual spend
  • 4 reward points per ₹100; 3× points on travel and dining
  • Unlimited domestic and international lounge access; forex markup nil
  • Ixigo flat 12% domestic and 10% international offer, fuel-surcharge waiver and merchant offers

Eligibility

  • Primary applicants must be 21–70 and literate. Staff/ex-staff and -backed applicants follow the published special routes.
  • PNB states limits are assigned under its board-approved risk underwriting model.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • PNB credit-card application, , and income proof; lien/receipt for secured route

Related official documents

PNB Schedule of Fees and Chargesofficial-fee-schedule-pdf · current · accessed 30 Aug 2026
↗
PNB premium card artworkofficial-product-page-assets · current · accessed 30 Aug 2026
↗
PNB Credit Card Portal — current card-type catalogueofficial-credit-card-catalogue · current · accessed 5 Oct 2026
↗
PNB revised credit-card service charges effective 1 November 2026official-future-effective-credit-card-fee-schedule-pdf · all-seven-pages-text-and-visual-review-complete · accessed 8 Oct 2026
↗
PNB Metal Credit Card LUXURA on RuPayofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,475one thousand four hundred seventy-five rupees
Balance after that interest₹51,475fifty-one thousand four hundred seventy-five rupees
Monthly rate × 1235.4%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Visa Signature · Income / eligibilityGross annual income ₹7.50 lakh; age 21–65

This value is copied from PNB premium credit cards — published terms. Check the table notes before relying on it.

Source: PNB Schedule of Fees and Charges · Fees, and finance charges; combined with types9/types16/types17 Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 5 columnsPNB premium credit cards — published termsCurrent fees, eligibility, limits, finance charges, rewards and benefits from PNB product pages and fee schedule.View tableHide table

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PNB premium credit cards — published terms
CardIncome / eligibilityFeesRewards and benefitsNetwork
Visa SignatureGross annual income ₹7.50 lakh; age 21–65Joining ₹1,500; annual ₹2,000, waived at ₹3 lakh spends2 points/₹100; domestic lounge; BookMyShow and conciergeVisa Signature
LUXURA RuPay EkaaSalary ₹1.50 lakh/month or annual income ₹18 lakh; age 21–70; limit ₹1–50 lakhJoining ₹9,000 + ; annual ₹7,500 + 4 points/₹100; 20,000 welcome; 10,000 milestone; 3× travel/dining; unlimited lounges; nil forexRuPay Ekaa
LUXURA Visa InfiniteSalary ₹1.50 lakh/month or annual income ₹18 lakh; age 21–70; limit ₹1–50 lakhJoining ₹4,999 + ; annual ₹1,999 + 4 points/₹100; 20,000 welcome; 10,000 milestone; 3× travel/dining; unlimited lounges; nil forexVisa Infinite
Finance chargesRegular revolving credit; -backed route2.95% monthly / 35.89% ; -backed 1.5% / 19.56%Cash advance and other charges in current scheduleApplies per schedule
PNB Schedule of Fees and Charges · Fees, and finance charges; combined with types9/types16/types17 · accessed 30 Aug 2026Open official source ↗
Table 2 · 10 rows · 2 columnsPNB credit cards — common fees and chargesCurrent schedule rows shared by PNB credit-card variants. Product-specific joining and annual fees are shown in each product's facts; Luxura's separate nil foreign-currency markup is preserved.View tableHide table

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PNB credit cards — common fees and charges
Charge or rulePublished amount or condition
Finance charge2.95% per month; 1.5% per month for cards against fixed deposit
Annualised percentage rate ()35.89% per annum; 19.56% per annum for cards against bank lien on fixed deposit
Foreign-currency transactionNil markup for Metal Card Luxura (RuPay/Visa); 3.50% for all other cards over the currency-conversion rate
Fuel surcharge1% of fuel transaction amount, exclusive of taxes, refunded for ₹400–₹4,000 transactions up to ₹350 per statement cycle
Free interest period20–50 days on retail purchases when the previous month's balance is cleared in full; not applicable after cash withdrawal
Minimum amount due5% of total amount due, or another amount PNB determines; amounts are added in full
Cash-advance limit20% of the credit limit
PNB plan2% processing fee (minimum ₹200); 18% p.a. finance charge; 3% prepayment charge, nil for cards against fixed deposit
Instant 2% processing fee (minimum ₹100); 12% p.a. for 3/6/9/12 months and 14% p.a. for 18/24 months; nil prepayment charge
Tax and change notice applies to fees, interest and other charges; schedule is subject to change by PNB
PNB Schedule of Fees & Charges for Credit Card · Pages 1–3, rows 1–27 and footnotes · accessed 12 Sept 2026Open official source ↗
Table 3 · 31 rows · 4 columnsPNB cash-advance fees — current and revised from 1 November 2026The revised schedule is stated to be exclusive of applicable GST. The source's existing card/network groups are retained alongside the broad future VISA/RuPay rate.View tableHide table

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PNB cash-advance fees — current and revised from 1 November 2026
channelCard group as named in the noticeExisting charge shown by PNBRevised charge from 1 November 2026
Domestic, PNB RuPay Platinum, RuPay BLISS Platinum, PNB Salary Platinum, PNB 2% of cash withdrawn or ₹100, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB PNB SVANidhi Credit CardCash withdrawal not allowed.The revised column gives a general /RuPay rate and does not repeat this specific no-withdrawal statement.
Domestic, PNB PNB Metal Credit Card LUXURA; PNB LUXURA for Indian Army personnel2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB PNB Patanjali RuPay Platinum2% of cash withdrawn or ₹100, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB PNB Patanjali RuPay Select2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB PNB co-branded card2% of cash withdrawn or ₹100, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB PNB Rakshak Platinum and PNB Rakshak Select2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB PNB GCC, and cards for Micro EnterprisesNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Domestic, PNB Classic, Gold, Platinum and Signature2% of cash withdrawn or ₹100, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹400, whichever is higher.
Domestic, PNB Corporate Gold and Platinum cards, with individual or corporate liabilityNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing corporate-card entry.
Domestic, other RuPay Platinum, RuPay BLISS Platinum, PNB Salary Platinum, PNB 2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select2% of cash withdrawn or ₹200, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other PNB SVANidhi Credit CardCash withdrawal not allowed.The revised column gives a general /RuPay rate and does not repeat this specific no-withdrawal statement.
Domestic, other PNB Metal Credit Card LUXURA; PNB LUXURA for Indian Army personnel2% of cash withdrawn or ₹200, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other PNB Patanjali RuPay Platinum2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other PNB Patanjali RuPay Select2% of cash withdrawn or ₹200, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other PNB Rakshak Platinum; PNB Rakshak SelectPlatinum: 2% or ₹150, whichever is higher; Select: 2% or ₹200, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other PNB GCC, and cards for Micro EnterprisesNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Domestic, other Classic, Gold, Platinum and Signature; PNB ZAGGLE Platinum2% of cash withdrawn or ₹150, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Domestic, other Corporate Gold and Platinum cards, with individual or corporate liabilityNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing corporate-card entry.
Overseas RuPay Platinum, RuPay BLISS Platinum, PNB Salary Platinum, PNB 2% of cash withdrawn or ₹250, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select2% of cash withdrawn or ₹300, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas PNB SVANidhi Credit CardCash withdrawal not allowed.The revised column gives a general /RuPay rate and does not repeat this specific no-withdrawal statement.
Overseas PNB Metal Credit Card LUXURA; PNB LUXURA for Indian Army personnel2% of cash withdrawn or ₹300, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas PNB Patanjali RuPay Platinum2% of cash withdrawn or ₹250, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas PNB Patanjali RuPay Select2% of cash withdrawn or ₹300, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas PNB Rakshak Platinum; PNB Rakshak SelectPlatinum: 2% or ₹250, whichever is higher; Select: 2% or ₹300, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas PNB GCC, and cards for Micro EnterprisesNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Overseas Classic, Gold, Platinum and Signature2% of cash withdrawn or ₹300, whichever is higher.For /RuPay credit-card variants: 2.5% of cash withdrawn or ₹500, whichever is higher.
Overseas Corporate Gold and Platinum cards, with individual or corporate liabilityNot applicable ().The revised column states the general /RuPay rate; it does not separately restate the existing corporate-card entry.
  • The source's revised cash-advance entries are worded generally for /RuPay credit-card variants. Existing-column exceptions for SVANidhi and corporate cards are not repeated in the revised column; this table preserves that omission rather than interpreting it as a confirmed rule change for those exceptions.
  • Revised charges are exclusive of applicable , as stated in the notice heading.
PNB revised service charges applicable on credit cards w.e.f. 1 November 2026 · Actual pages 1–4, complete cash-advance schedule for PNB , other domestic and overseas · accessed 8 Oct 2026Open official source ↗
Table 4 · 6 rows · 3 columnsPNB other credit-card service charges — current and revised from 1 November 2026Notice compares existing and revised late-payment, returned-payment, duplicate-statement, reward-redemption and utility-bill fees. The revised schedule is exclusive of applicable GST.View tableHide table

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PNB other credit-card service charges — current and revised from 1 November 2026
ChargeExisting fee/condition shown by PNBRevised fee/condition effective 1 November 2026
Late payment — general /RuPay variantsTotal amount due ₹1,000 or less: nil; ₹1,001–₹5,000: ₹500; ₹5,001–₹10,000: ₹600; above ₹10,000: ₹750.Total amount due ₹500 or less: nil; ₹501–₹1,000: ₹500; ₹1,001–₹10,000: ₹750; ₹10,000–₹50,000: ₹1,000; above ₹50,000: ₹1,200.
Late payment — cards against fixed deposit30% of minimum amount due, minimum ₹200 and maximum ₹500 per billing cycle for the listed Classic, Gold, Platinum, Signature, RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select and ZAGGLE RuPay Select variants. For Metal LUXURA/Army fixed-deposit cards, charges are the same as normal LUXURA.For the listed fixed-deposit card variants, 30% of minimum amount due, minimum ₹200 and maximum ₹500 per billing cycle. Metal LUXURA/Army fixed-deposit card charges remain the same as normal LUXURA, as stated by PNB.
Returned cheque / dishonoured / auto debit₹200 per instrument for all variants except: Classic/Gold ₹100; Platinum/Signature ₹250; Metal LUXURA/Army ₹200; cards against fixed deposit ₹100. RuPay Select, Millennial, Luxura, PNB RRB, BRAILLE, PNB Go KIWI, Salary Select, ZAGGLE RuPay Select, RuPay Platinum, RuPay BLISS Platinum, Salary Platinum and : ₹200 per instrument. GCC//cards for Micro Enterprises: .For /RuPay credit-card variants: 2% of payment amount, minimum ₹400. Cards against fixed deposit: ₹100 per instrument. For Metal LUXURA/Army cards against fixed deposit, charges are the same as normal LUXURA.
Duplicate statement beyond three months₹50; no charge for e-statements, and no charge for cards against fixed deposit for Platinum and Signature. For others, ₹50 with no charge for e-statements. Metal LUXURA/Army fixed-deposit cards follow normal LUXURA charges.For /RuPay credit-card variants: ₹50 for any month; no charge for an e-statement. Metal LUXURA/Army fixed-deposit cards follow normal LUXURA charges.
Reward redemptionNil.For /RuPay credit-card variants: ₹99 per redemption request.
Utility-bill paymentsNil.For /RuPay credit-card variants: 1% of total utility payments if they exceed ₹50,000 in a billing cycle; maximum ₹2,000 per transaction.
  • Thresholds and card groups are reproduced from the notice. The late-payment slab uses a ₹10,000 boundary on both adjacent lines; the printed text is retained as published rather than silently normalized.
  • Revised charges are exclusive of applicable , as stated in the notice heading.
PNB revised service charges applicable on credit cards w.e.f. 1 November 2026 · Actual pages 4–6, complete late-payment, returned-payment, duplicate-statement, reward-redemption and utility-fee sections · accessed 8 Oct 2026Open official source ↗

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