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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.

CashbackNot published as a general cashback percentage; Ixigo and fuel-surcharge offers are listed.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.
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Quick eligibility check

PNB Metal Credit Card LUXURA RuPay Ekaa

0 of 8 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 -backed routes are published?

Published source: Eligibility

6Do you meet this requirement: limit ₹1 lakh–₹50 lakh under PNB risk model?

Published source: Eligibility

7Do you meet this requirement: Primary applicants must be 21–70 and literate?

8Do you meet this requirement: Staff/ex-staff and -backed applicants follow the published special routes?

0 of 8 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 ↗
CashbackNot published as a general cashback percentage; Ixigo and fuel-surcharge offers are listed.View source
No general cashback rate is stated.
Source
PNB LUXURA RuPay offers
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 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

Scroll sideways to view every column

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 ↗

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