Flagship Luxury Metal Card — 0% Forex Markup, 12 Airport Lounges & ₹50L Insurance
High-net-worth public sector bank patrons, overseas travelers, and corporate leaders seeking luxury metal card prestige with zero foreign exchange fees and comprehensive travel coverage.
₹4,999
One-time upfront₹1,999
Waived on ₹6 lakh annual spend3X Reward Points/₹100 Spent on Dining and Travel. 4 Reward Points/₹100 Spent
On eligible spendsUnlimited Domestic & International
Complimentary visitsLast verified 12 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The PNB LUXURA Metal Credit Card is a watershed product for India's public sector banking space, marking Punjab National Bank's entry into the ultra-premium metal card segment previously dominated by private and foreign institutions. For a joining fee of ₹4,999 + GST (and an annual renewal fee of ₹1,999), the card delivers a rare and powerful financial benefit: a **0.00% Foreign Currency Markup** across all international spending. For high-spending globetrotters, corporate executives, and families vacationing abroad, avoiding the standard 3.50% foreign transaction fee produces instant, quantifiable savings running into thousands of rupees on every overseas journey. The card's airport comfort credentials match top-tier travel cards: cardholders receive 8 complimentary domestic airport lounge visits annually (2 per calendar quarter) alongside 4 complimentary international lounge visits per year via Priority Pass. The earning structure is calibrated for premium lifestyle spending, providing 8 reward points per ₹100 spent on dining and international transactions, and 4 reward points per ₹100 on general retail spending. The card also bundles an extraordinary ₹50 Lakhs personal air accidental insurance cover and ₹10 Lakhs non-air accidental cover, providing peerless protection for international travelers. Spending ₹6,00,000 annually waives the renewal fee entirely. Key caveats include PNB's traditional redemption portal ecosystem: while points can be converted into shopping vouchers, airline tickets, and merchandise via PNB Rewardz, there is no direct 1:1 frequent flyer airline miles transfer network like that found on dedicated travel cards like Axis Atlas or Amex Platinum. Additionally, while the ₹1,999 renewal fee is modest for a metal card, the ₹6,00,000 spend hurdle for waiver requires active wallet consolidation. For PNB patrons and affluent consumers seeking metal prestige with zero FX penalties, LUXURA Metal is an exceptional value proposition.
3X Reward Points/₹100 Spent on Dining and Travel. 4 Reward Points/₹100 Spent
20,000 RPs (₹5,000 Value) on ₹50,000 Spend in 90 Days for Both Infinite and Ekaa Variants
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Travel & Dining Spends | 3X rewards (12 Reward Points per ₹100 spent on travel and dining; 3.00% return; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Retail Spends | 4 Reward Points per ₹100 spent on all other retail transactions (1.00% return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Travel & Dining Spends | ₹12,000 | 3X rewards (12 Reward Points per ₹100 spent on travel and dining; 3.00% return; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Retail Spends | ₹18,000 | 4 Reward Points per ₹100 spent on all other retail transactions (1.00% return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹4,999 + 18% GST (includes handcrafted metal credit card body). • Annual Renewal Fee: ₹1,999 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual fee waived on achieving cumulative retail spends of ₹6,00,000 or more in the preceding anniversary year. • Foreign Currency Markup: 0.00% (Zero Forex Markup) on all international POS, e-commerce, and ATM transactions. • Accelerated Rewards: 8 Reward Points per ₹100 spent on dining and international transactions. • General Rewards: 4 Reward Points per ₹100 spent on all other eligible domestic retail transactions. • Point Valuation: 1 Reward Point ≈ ₹0.25. Redeemable via PNB Rewardz for flights, hotels, vouchers, and merchandise. • Domestic Lounge Access: 8 complimentary domestic airport lounge visits per calendar year (max 2 per calendar quarter). • International Lounge Access: 4 complimentary international lounge visits per calendar year via Priority Pass. • Complimentary Insurance: ₹50,00,000 Personal Air Accidental Insurance cover + ₹10,00,000 Non-Air Accidental Death cover. • Fuel Surcharge Waiver: 1% waiver on fuel purchases between ₹500 and ₹4,000 across Indian petrol pumps. • Finance Charges (APR): 2.95% per month (35.40% annualized) on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹1,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding PNB LUXURA Metal Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official Punjab National Bank portal with paperless verification.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
AU Zenith+ Credit Card
Best for: Luxury Travelers, Frequent International Flyers, High Spenders & Golf Enthusiasts
Rewards: 2 Reward Points per ₹100 spent (1.0% return; 1 RP = ₹0.50 on travel)
Lounge access: 4 Domestic visits/quarter + 16 International visits/year
Forex markup: 0.99% Low Forex
Renewal fee waived on ₹8,00,000 annual spend
Last verified 2 Oct 2026
Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.
Rewards: 5 Reward Points per ₹150 spent
Lounge access: Unlimited Domestic & International
Forex markup: 2% Low Forex
Renewal fee waived on ₹10,00,000 annual spend
Last verified 16 Sept 2026
Best for: Super-Premium Spenders, Heavy Online Shoppers & Frequent International Travelers
Rewards: 36 RPs for Each Spend of Rs. 200 on Online Shopping and 18 RPs for Each Offline Spend of Rs. 200
Lounge access: 6 Domestic visits/quarter + Unlimited International · ₹1L quarterly spend required (Domestic)
Forex markup: 1% Low Forex
Renewal fee waived on ₹10,00,000 annual spend
Last verified 2 Oct 2026
Best for: High-net-worth individuals, frequent international fliers, luxury globetrotters, and C-suite executives
Rewards: 16 Reward Points per ₹200 on domestic retail spends; 24 Reward Points per ₹200 on international spends
Lounge access: 32 Domestic visits/year + Unlimited International
Forex markup: 1.99% Low Forex
Renewal fee waived on ₹12,00,000 annual spend
Last verified 3 Oct 2026
Best for: Frequent domestic fliers, fine dining enthusiasts, movie lovers, and premium lifestyle spenders
Rewards: 10 Reward Points per ₹200 on all eligible retail spends; 20 Reward Points per ₹200 on Travel and International
Lounge access: 16 Domestic + 4 International visits/year
Renewal fee waived on ₹6,00,000 annual spend
Last verified 3 Oct 2026
Best for: Ultra-high-net-worth individuals, top corporate executives, and luxury travelers seeking five-star hotel memberships, chauffeur-driven airport transfers, and unlimited VIP airport hospitality.
Rewards: 15 EDGE Points/₹200 Spent with the Card, 30 EDGE Points on International Spends
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Renewal fee waived on ₹35,00,000 annual spend
Last verified 9 Sept 2026
