Credit cards

PNB RuPay Millennial Credit Card

A RuPay youth card with ₹399 joining fee, ₹999 annual fee (waived at ₹1 lakh annual spends), ₹50,000–₹10 lakh regular limits and lifestyle benefits.

Rewards2 reward points per ₹150 spent; 300+ reward points on activation/first qualifying use. Rewardz supports vouchers, merchandise, movie tickets, hotel bookings, recharges and cashback redemption.OffersMerchant offers plus complimentary health check-up, golf, spa and gym sessions; individual offer values are not published on the reviewed page.Annual / renewal fee₹999 per year; waived when annual card spends reach ₹1 lakh in the previous financial year.

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✓ Manually checked 30 Aug 2026 · active

Offered byPunjab National Bank

India

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₹999 per year; waived when annual card spends reach ₹1 lakh in the previous financial year.View source

PNB publishes ₹999 annual fee and the ₹1 lakh spend waiver.

Source: PNB RuPay Millennial Credit Card
Page / section: Card Fees
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Fee waiverAnnual fee waived at ₹1 lakh previous-financial-year spends; joining fee ₹399 and add-on joining fee ₹399.View source

The official card page publishes the joining fees and spend-based annual-fee waiver.

Source: PNB RuPay Millennial Credit Card
Page / section: Card Fees
Accessed: 30 Aug 2026
Confidence: high

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Minimum incomeMinimum gross annual income ₹5 lakh.View source

PNB states minimum gross annual income of ₹5 lakh.

Source: PNB RuPay Millennial Credit Card
Page / section: Income Criteria
Accessed: 30 Aug 2026
Confidence: high

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EligibilityPrimary applicant minimum age 21; add-on holder minimum age 18. FDR-backed cardholders may be 18+ with no maximum age stated. Minimum gross annual income ₹5 lakh.View source

The page publishes age, income and secured-card eligibility rules.

Source: PNB RuPay Millennial eligibility
Page / section: Eligibility
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Foreign-currency markup3.50% of the transaction amount over and above the currency-conversion rate; GST and other applicable charges may also apply. PNB's schedule exempts the Metal Card Luxura variants, which have a separate nil-markup rule.View source

The current schedule states: nil markup for PNB Metal Card Luxura (RuPay/Visa) and 3.50% markup for all other cards, over and above the currency conversion rate.

Source: PNB Schedule of Fees & Charges for Credit Card
Page / section: Page 3, row 18: Foreign currency transaction
Accessed: 12 Sept 2026
Confidence: high

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The current Rewardz page publishes Millennial's earning rate and activation points.

Source: PNB Rewardz programme
Page / section: RUPAY - MILLENNIAL 652859
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

OffersMerchant offers plus complimentary health check-up, golf, spa and gym sessions; individual offer values are not published on the reviewed page.View source

PNB lists merchant offers and lifestyle benefits.

Source: PNB RuPay Millennial Credit Card
Page / section: Prominent Features
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Lounge accessDomestic and international lounge access programme; visit quota/spend conditions are not published.View source

The official page lists domestic and international lounge access without a numerical quota.

Source: PNB RuPay Millennial Credit Card
Page / section: Prominent Features
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

NetworkRuPay Millennial.View source

The official title identifies the RuPay Millennial variant.

Source: PNB RuPay Millennial Credit Card
Page / section: Product title
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Minimum gross annual income ₹5 lakh
Regular card limit ₹50,000–₹10 lakh; -backed limit up to 80% of with ₹65,000 minimum
2 reward points per ₹150 spent and 300+ activation points
Domestic and international lounge programme
Insurance cover up to ₹10 lakh, health check-up, golf/spa and gym benefits
Annual fee waived when previous-year spends reach ₹1 lakh

Eligibility

Primary applicant minimum age 21; add-on minimum age 18. -backed cardholders can be 18+ with no maximum age stated on the product page.

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

Documents the bank lists

Credit-card application, and income proof
lien/receipt where the secured route is used

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Credit-card interest estimate

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

Bill left unpaidThe part of your card bill that carries forward.₹fifty thousand rupees₹1,000₹10,00,000Interest charged each monthUse the monthly rate printed by the card issuer.%0.5%5%

Interest added for one month₹1,750one thousand seven hundred fifty rupees

Balance after that interest₹51,750fifty-one thousand seven hundred fifty rupees

Monthly rate × 1242%

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.

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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.

TableParameter

Network · Published termRuPay Millennial

This value is copied from PNB RuPay Millennial — published terms. Check the table notes before relying on it.

Source: PNB RuPay Millennial Credit Card · Complete product page and rewards page Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 8 rows · 2 columnsPNB RuPay Millennial — published termsEligibility, limits, fees, rewards and lifestyle benefits from PNB's official portal.View tableHide table

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PNB RuPay Millennial — published terms
Parameter	Published term
Network	RuPay Millennial
Income	Minimum gross annual income ₹5 lakh
Age	Primary 21; add-on 18; secured card 18+ with no maximum age stated
Limits	Regular ₹50,000–₹10 lakh; secured up to 80% of with ₹65,000 minimum
Fees	Joining ₹399; annual ₹999, waived at ₹1 lakh previous-year spends; add-on joining ₹399
Rewards	2 points per ₹150; 300+ activation points
Benefits	Domestic/international lounge, insurance up to ₹10 lakh, health-check-up, golf/spa/gym
Forex/	Not published

PNB RuPay Millennial Credit Card · Complete product page and rewards page · 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 rule	Published amount or condition
Finance charge	2.95% 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 transaction	Nil markup for Metal Card Luxura (RuPay/Visa); 3.50% for all other cards over the currency-conversion rate
Fuel surcharge	1% of fuel transaction amount, exclusive of taxes, refunded for ₹400–₹4,000 transactions up to ₹350 per statement cycle
Free interest period	20–50 days on retail purchases when the previous month's balance is cleared in full; not applicable after cash withdrawal
Minimum amount due	5% of total amount due, or another amount PNB determines; amounts are added in full
Cash-advance limit	20% of the credit limit
PNB plan	2% 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
channel	Card group as named in the notice	Existing charge shown by PNB	Revised 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 Select	2% 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 Card	Cash 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 personnel	2% 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 Platinum	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	PNB Patanjali RuPay Select	2% 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 card	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	PNB Rakshak Platinum and PNB Rakshak Select	2% 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 Enterprises	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Domestic, PNB	Classic, Gold, Platinum and Signature	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	Corporate Gold and Platinum cards, with individual or corporate liability	Not 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 Select	2% 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 Card	Cash 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 personnel	2% 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 Platinum	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	PNB Patanjali RuPay Select	2% 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 Select	Platinum: 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 Enterprises	Not 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 Platinum	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	Corporate Gold and Platinum cards, with individual or corporate liability	Not 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 Select	2% 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 Card	Cash 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 personnel	2% 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 Platinum	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	PNB Patanjali RuPay Select	2% 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 Select	Platinum: 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 Enterprises	Not applicable ().	The revised column states the general /RuPay rate; it does not separately restate the existing entry.
Overseas	Classic, Gold, Platinum and Signature	2% 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 liability	Not 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
Charge	Existing fee/condition shown by PNB	Revised fee/condition effective 1 November 2026
Late payment — general /RuPay variants	Total 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 deposit	30% 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 redemption	Nil.	For /RuPay credit-card variants: ₹99 per redemption request.
Utility-bill payments	Nil.	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 ↗

PNB RuPay Millennial Credit Card

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Credit-card interest estimate

Find the exact published value

Complete rates, limits and schedules

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