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
Unlimited Domestic + International
Our 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.
Where this card earns most
Paying directly in the app or site · 1% on other spends
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
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
Spend milestone
Spend ₹5 Lakh annually: Receive an automated milestone reward bonus of 10,000 reward points
Fees & Charges
Joining fee
Free
Annual fee
Free 1st year free
Available in both secured and unsecured variants based on income or FD placement criteria
Interest rate
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
Credit score & income
Good to Excellent (750+)
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 |