PNB LUXURA Visa Credit Card
Fees
Free
Joining & Annual 1st Year FreeReward Rate
4 reward points per ₹100 spent on regular transactions; accelerated 3X reward points (12 points per ₹100 spent) on dining and travel spends; 1 Reward Point = ₹0.25
Welcome Bonus
N/A
Lounge Access
Unlimited Domestic + International
FindMyCard Expert Take
PNB LUXURA is a genuinely strong free travel card: zero forex markup and unlimited global lounge access are premium-tier perks you'd normally pay a hefty fee for elsewhere. The tradeoff is a high income eligibility bar and a modest 4 points = ₹1 redemption value.
Pros & Cons
Key Advantages
- 0% forex markup on international spends
- Unlimited complimentary airport lounge access worldwide
- 3X reward points on dining and travel
- Issued as a metal card
Limitations
- High minimum income requirement
- Reward cash conversion ratio settles at a modest baseline floor of 4 points = ₹1 value
Editorial Verdict
The PNB LUXURA Visa Credit Card is ideally suited for high-income travelers, unlimited lounge access, and zero forex spends. If you want 4 reward points per ₹100 spent on regular transactions; accelerated 3x reward points (12 points per ₹100 spent) on dining and travel spends; 1 reward point = ₹0.25, this card delivers real value. The free is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (750+) credit to be approved.
Key Perks & Spending Milestones
4 reward points accrued for every ₹100 spent universally across all regular retail transaction pipelines
Accelerated 3X reward points (12 points per ₹100) generated automatically on dining purchases
Accelerated 3X reward points (12 points per ₹100) generated automatically on travel spends
Standard redemption value benchmark where 1 Reward Point = ₹0.25 when converted directly into statement credit or other catalog options
Unlimited complimentary airport lounge visits globally across both domestic and international networks
Absolute 0% Foreign Currency Exchange transaction markup fees layered natively on cross-currency international spends
Up to 30% flat discount savings (maximum USD 200 off per transaction) on hotel accommodations booked globally via partner Agoda networks
Complimentary elite membership upgrades unlocking exclusive privileges at 950+ participating luxury hotels across 40 marquee brands via GHA DISCOVERY systems
🚀 Milestone Spends Timeline
Spend ₹5 Lakh annually: Receive an automated milestone reward bonus of 10,000 reward points
Fees & Charging Rates
Annual Fee Waivers
Free
💡 Available in both secured and unsecured variants based on income or FD placement criteria
Regular Interest Charges
Subject to PNB standard premium interest tier structures
Insurance & Protection Benefits
Eligibility Criteria
salaried minimum income
₹1.5 Lakh per month
self employed ITR
₹18 Lakh per annum
age
21 to 70 years
employment profiles
High-income Salaried and Self-employed Individuals
Compare PNB LUXURA Visa Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| PNB LUXURA Visa Credit Card This Card | Free | 4 reward points per ₹100 spent on regular transactions;... | Unlimited Domestic + International | 4.0/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |