PNB RuPay Millennial Credit Card

  • Joining Fee: Rs. 399
  • Renewal Fee: Rs. 999
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: On swiping a card for the first time within 90 days of issuance, you can earn 300 bonus reward points for retail/online transactions. Earn 2x reward points on retail merchandise/online transactions within 90 days of receiving the card (except on fuel and cash withdrawal).
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When it comes to millennials, we all know how health conscious and shopaholics they are. PNB keeping this in mind launched PNB RuPay Millennial Credit Card credit card to meet their requirements. This card provides you complimentary gym membership, premium health checkup package, and reward points on retail/online transactions. It comes with a joining fee of Rs. 399. Moreover, you also get complimentary travel benefits and golf benefits. You get lifestyle benefits with this entry level credit card which makes it a plus point. Read on to know more about this card’s features and benefits.

New Features

Spend Based Waiver

Renewal Fee will be waived off on spending Rs. 1 Lakh in the previous year.

Interest Rates

2.95% p.m. (35.89% p. a.)

Add-on Card Fee

Rs. 399

Rewards Redemption Fee


Fuel Surcharge

Avail 1% fuel surcharge waiver at all petrol pumps in India on transactions between Rs. 500 – Rs. 3000. The maximum surcharge waiver in a calendar year is capped at Rs. 350.

Foreign Currency Markup

3.50% on the conversion amount

Cash Advance Charges

2% of the advance amount (minimum of Rs. 150) on PNB ATMs 2% of the advance amount (minimum of Rs. 200) on other ATMs 2% of the advance amount (minimum of Rs. 300) on overseas ATMs.

Movie & Dining



Complimentary lounge access

International Lounge Access

2 Complimentary international lounge access per year

Rewards Rate

Earn 2 reward points on every other Rs. 150 spent on this card. Earn 50 extra bonus reward points on registering for E-bill facility.


Get complimentary golf sessions

Insurance Benefits

Covers insurance upto Rs. 10 lakhs.

Reward Redemption

Redeem reward points for movie tickets, hotel bookings, mobile/DTH recharge, merchandise transaction and more. Minimum of 500 reward points required for redemption. 1 RP = Rs. 0.50.

Domestic Lounge Access

2 Complimentary domestic lounge access per quarter

Zero Liability Protection



No data available


No data available

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