Millennial Digital Rewards — 5X Points on Food Delivery, Streaming & E-Commerce + 4 Lounges
Gen-Z, college graduates, and young urban professionals looking for accelerated points on digital lifestyle apps combined with RuPay UPI payments and lounge perks.
₹399
One-time upfront₹999
Waived on ₹1 lakh annual spendEarn 2 reward points on every other Rs. 150 spent on this card. Earn 50 extra bonus reward points on registering for E-bill facility.
On eligible spends8 Domestic + 2 International visits/year
Complimentary visitsLast verified 9 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The PNB RuPay Millennial Credit Card represents Punjab National Bank's deliberate pivot toward younger, digital-native spenders whose primary monthly expenditures flow through app-based subscriptions, quick commerce, food delivery, and online retail. With an introductory joining fee of ₹399 and an annual renewal fee of ₹999 (waived at ₹1,00,000 spend), the card positions itself as an all-in-one lifestyle starter card on the RuPay network. The reward engine delivers accelerated points on digital entertainment (streaming platforms, OTT subscriptions), food delivery apps (Swiggy, Zomato), and major e-commerce portals. Offline and general retail transactions earn standard reward points, with native RuPay UPI functionality ensuring the card remains productive at local tea stalls, cafes, and neighborhood kirana stores. Cardholders also receive 4 complimentary domestic airport lounge visits per calendar year (1 per calendar quarter), providing essential comfort for young professionals travelling on domestic vacations or business trips. The primary drawback is the ₹999 annual renewal fee, which is relatively high for a public-sector bank card unless the ₹1,00,000 annual spend hurdle is reliably cleared. Furthermore, reward redemption is handled through the PNB Rewardz catalogue rather than automatic statement credits. Nonetheless, for young earners who bank with PNB and desire a modern RuPay card with lounge access and digital app multipliers, the PNB Millennial Card is a credible option.
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.
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).
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Online, Dining & Entertainment Spends | 10 Reward Points per ₹100 spent on online shopping, dining and movies (2.50% return; 1 RP = ₹0.25) | No Cap | Standard terms apply |
| Other Spends | 2 Reward Points per ₹100 spent | 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 |
|---|---|---|---|---|---|---|
| Online, Dining & Entertainment Spends | ₹12,000 | 10 Reward Points per ₹100 spent on online shopping, dining and movies (2.50% return; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Other Spends | ₹18,000 | 2 Reward Points per ₹100 spent | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹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: ₹399 + 18% GST. • Annual Renewal Fee: ₹999 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual fee waived on achieving cumulative retail spends of ₹1,00,000 or more in the preceding anniversary year. • Digital & Entertainment Spends: Accelerated Reward Points on food delivery, OTT streaming, and online shopping. • General Spends: 1 Reward Point per ₹100 on other eligible retail transactions. • RuPay UPI Integration: Native linkage to Google Pay, PhonePe, and Paytm for merchant QR payments. • Domestic Lounge Access: 4 complimentary domestic airport lounge visits per calendar year (1 per calendar quarter). • Fuel Surcharge Waiver: 1% fuel surcharge waiver across India on transactions between ₹500 and ₹4,000. • Foreign Currency Markup: 3.50% + GST on international transactions. • Finance Charges (APR): 2.95% per month (35.40% annualized) on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹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 RuPay Millennial Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official Punjab National Bank portal with paperless verification.
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