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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.

CashbackNo percentage cashback is published; the page lists merchant offers 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.
Official product page ↗Compare category

Quick eligibility check

PNB RuPay Millennial Credit Card

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: Minimum gross annual income ₹5 lakh?

Published source: Minimum income

2Does your age meet this requirement: Primary applicant minimum age 21?

Published source: Eligibility

3Does your age meet this requirement: add-on holder minimum age 18?

Published source: Eligibility

4Does your age meet this requirement: -backed cardholders may be 18+ with no maximum age stated?

Published source: Eligibility

5Does your age meet this requirement: add-on minimum age 18?

6Does your age meet this requirement: -backed cardholders can be 18+ with no maximum age stated on the product page?

0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ 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
Open official source ↗
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
Open official source ↗
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 ↗
APRNot published on the reviewed product page.View source
No /finance-charge rate is stated on the product page.
Source
PNB RuPay Millennial review
Page / section
Complete product page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Monthly finance chargeNot published on the reviewed product page.View source
No monthly finance-charge rate is stated.
Source
PNB RuPay Millennial finance-charge review
Page / section
Complete product page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Forex markupNot published on the reviewed product page.View source
No foreign-currency markup is stated.
Source
PNB RuPay Millennial forex review
Page / section
Complete product page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
CashbackNo percentage cashback is published; the page lists merchant offers and lifestyle benefits.View source
The page describes benefits and offers but no cashback rate.
Source
PNB RuPay Millennial cashback review
Page / section
Prominent Features
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
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.View source
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

Related official documents

PNB Rewardz programmeofficial-rewards-page · current · accessed 30 Aug 2026
↗
PNB RuPay Millennial Credit Cardofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

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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.

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.

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.

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

Scroll sideways to view every column

PNB RuPay Millennial — published terms
ParameterPublished term
NetworkRuPay Millennial
IncomeMinimum gross annual income ₹5 lakh
AgePrimary 21; add-on 18; secured card 18+ with no maximum age stated
LimitsRegular ₹50,000–₹10 lakh; secured up to 80% of with ₹65,000 minimum
FeesJoining ₹399; annual ₹999, waived at ₹1 lakh previous-year spends; add-on joining ₹399
Rewards2 points per ₹150; 300+ activation points
BenefitsDomestic/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 ↗

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