PNB LUXURA Metal Credit Card: Fees, Benefits, Rewards, and Eligibility

The PNB LUXURA Metal Credit Card is a premium credit card launched by Punjab National Bank on the Visa Infinite platform. Designed for high-income and aspirational customers, this metal card offers premium rewards, zero forex markup, unlimited lounge access, and luxury lifestyle benefits.

This card is suitable for customers who travel frequently, dine at premium restaurants, and want global acceptance with strong rewards.

What is PNB LUXURA Metal Credit Card?

PNB LUXURA Metal Credit Card is a premium metal credit card that combines lifestyle privileges with high reward value. Earlier available on the RuPay platform, PNB has now launched it on Visa Infinite, giving customers wider international acceptance and more flexibility.

PNB LUXURA Metal Credit Card: Quick Facts

PNB LUXURA Metal Credit Card Fees & Charges

Joining Fee

• ₹4,999 + GST
• Offset by welcome reward points worth ₹5,000

Annual Fee

• ₹1,999 + GST
• Reasonable for a premium metal card with travel and lifestyle benefits

Welcome Offer & Reward Points

Welcome Benefit

• 20,000 reward points (worth ₹5,000)
• On spending ₹50,000 within 90 days

This welcome benefit almost fully covers the joining fee.

Reward Structure

• 4 reward points per ₹100 spent (base rate)
• 3X reward points on:

1. Travel spends
2. Dining spends

• Annual Spend Bonus:

1. 10,000 reward points on annual spends of ₹5 lakh

This makes the PNB LUXURA Metal Credit Card a strong option for lifestyle spending.

Travel Benefits of PNB LUXURA Metal Credit Card

Zero Forex Markup

• No extra charges on international transactions
• Ideal for foreign travel and online international purchases
• Saves money compared to most credit cards

Airport Lounge Access

• Unlimited complimentary lounge access
• Valid for:

1. Domestic lounges
2. International lounges

• No visit limits

This benefit is very useful for frequent flyers.

Hotel & Luxury Stay Benefits

Visa Luxury Hotel Collection

Cardholders get access to premium hotels with benefits like:

• Daily breakfast for two
• Room upgrades (subject to availability)
• Late checkout
• Food & beverage credits
• VIP guest recognition

These benefits significantly improve hotel stay value.

Dining & Lifestyle Benefits

Visa Dine & Save Programme

• Up to 20% discount at select restaurants
• Available in India and abroad
• Useful for regular dining at premium restaurants

Travel & Hospitality Partners

Exclusive offers on platforms like:

• Ixigo
• Agoda
• Expedia
• Trip.com

Hotel brand partners include:

• IHG Hotels
• ITC Hotels
• Elivaas Villas

Concierge Services

The card offers 24×7 Visa Concierge Services, which help with:

• Travel planning
• Hotel and restaurant reservations
• Event and ticket bookings
• Medical and emergency assistance abroad
• Shopping and gifting support

This service adds convenience, especially for international travelers.

Credit Limit & Usage

• High credit limits suitable for affluent customers
• Helps in:

1. Large purchases
2. International travel spends
3. Consolidating expenses on one premium card

Eligibility for PNB LUXURA Metal Credit Card

The card is targeted at:

• High-income salaried individuals
• Self-employed professionals with strong income
• Customers with good credit score
• Individuals with frequent travel and lifestyle spending

Exact eligibility depends on PNB’s internal credit assessment.

Pros and Cons of PNB LUXURA Metal Credit Card

Pros

• Metal card with premium feel
• Zero forex markup
• Unlimited lounge access
• Strong reward structure
• Visa Infinite global acceptance

Cons

1. High joining fee
2. Not suitable for low spenders
3. Benefits best used by frequent travelers

Is PNB LUXURA Metal Credit Card Worth It?

The PNB LUXURA Metal Credit Card is worth it if you:

• Travel internationally or frequently fly
• Spend heavily on dining and hotels
• Want a metal premium card with global acceptance
• Can fully use lounge, rewards, and concierge services

For low spenders or users who do not travel, the card may not justify the fees.