Unified Expense Management and Personal Lifestyle Rewards Solution
Corporate professionals and SMEs managing bifurcated business and personal expenses
₹499
One-time upfront₹499
Waived on ₹1 lakh annual spend10 Reward Points on Every ₹300 Spent
On eligible spends8 Domestic + 2 International visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The PNB Zaggle Twin Credit Cards represent a sophisticated co-branded expense management solution developed in collaboration with Zaggle, India's leading enterprise fintech SaaS platform. The product issues two complementary cards under a synchronized credit account: a Corporate Card for official company travel, client entertainment, and procurement, and a Personal Card for private lifestyle and household retail spending. This structural separation streamlines corporate expense reporting, automated GST invoicing, and tax compliance while safeguarding personal reward point accumulation. Cardholders earn accelerated rewards on commercial travel and SaaS software subscriptions on the corporate card, alongside dining and retail points on the personal card. Weaknesses include an annual fee of ₹499 per card pack (waived at ₹1,00,000 annual spend), corporate tie-up verification requirements, and standard 3.50% forex charges. For corporate executives, founders, and SME proprietors seeking automated expense bookkeeping without sacrificing personal rewards, this twin-card package is a potent operational asset.
10 Reward Points on Every ₹300 Spent
N/A
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Commercial Spends | 10 Reward Points per ₹300 spent on commercial purchases (0.83% return; 1 RP = ₹0.25) | 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 |
|---|---|---|---|---|---|---|
| Commercial Spends | ₹30,000 | 10 Reward Points per ₹300 spent on commercial purchases (0.83% return; 1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
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
Key Terms & Conditions for PNB Zaggle Twin Credit Cards: • Co-Branded Dual-Card Structure: Includes 1 Corporate Expense Card (linked to enterprise expense management platform) and 1 Personal Lifestyle Card. • Joining & Annual Fee: ₹499 + GST; annual renewal charge reversed on cumulative annual spends exceeding ₹1,00,000 across both cards. • Zaggle SaaS Integration: Automated spend receipt capture, digitized voucher reconciliation, and input tax credit (ITC) GST filing via Zaggle Zatiq. • Reward Accrual: Earn 2 Rewardz points per ₹100 on enterprise travel, SaaS, and office supplies; 1 point per ₹100 on personal retail purchases. • Fuel Surcharge Relief: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 on both corporate and personal cards. • Finance Charges: 3.00% per month (36.0% annualized) on overdue revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹499 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 Zaggle Twin Credit Cards 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
Federal Bank Fed StarBiz RuPay Credit Card
Best for: Small business owners, commercial merchant payments, digital tax settlements, and business UPI transactions.
Rewards: Rewards Redemption
Renewal fee waived on ₹50,000 annual spend
Last verified 3 Oct 2026
HDFC Bank BizFirst Credit Card
Best for: Small business proprietors, self-employed professionals, and traders seeking extended working capital cycles and cash savings on GST payments and vendor bills.
Rewards: 1 CashPoint per ₹150 spent (~0.17% to 0.33% return)
Renewal fee waived on ₹50,000 annual spend
Last verified 3 Oct 2026
Kotak Biz Credit Card
Best for: Merchants, traders, small business owners, and wholesale procurement managers looking to separate business expenses with extended credit terms.
Rewards: 4 RP per Rs 100 on business utilities/electronics, 1 RP on other business retail
Lounge access: 8 Domestic visits/year · ₹75k quarterly spend required
Renewal fee waived on ₹50,000 annual spend
Last verified 3 Oct 2026
Reliance SBI Card PRIME
Best for: Loyal Reliance ecosystem shoppers (Reliance Digital, Trends, Smart Bazaar, JioMart) who spend ₹10,000+ monthly and travel domestically and internationally.
Rewards: 2 Reward Points per Rs. 100 on other retail spends
Lounge access: 2 Domestic visits/quarter + 4 International visits/year
Renewal fee waived on ₹3,00,000 annual spend
Last verified 10 Sept 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: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.
Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
