Punjab National Bank (PNB) has strengthened its premium banking offerings with the launch of the PNB LUXURA Metal Credit Card, a high-end product positioned on the VISA Infinite platform and also available on RuPay. This strategic addition to PNB’s credit card portfolio is designed specifically for affluent and aspirational customers seeking enhanced lifestyle privileges, global acceptance, and superior travel and dining benefits.
The dual-network availability on VISA Infinite and RuPay significantly enhances the card’s versatility, ensuring seamless domestic and international acceptance. With premium rewards, luxury hospitality access, and personalized concierge services, the LUXURA Metal Credit Card reflects PNB’s focus on meeting the evolving lifestyle aspirations of high-net-worth customers.
Key Features of PNB LUXURA Metal Credit Card
The LUXURA Metal Credit Card comes with high credit limits and an attractive rewards structure tailored for frequent travelers and premium spenders. Cardholders earn 4 reward points for every ₹100 spent, with 3X reward multipliers on travel and dining transactions.
As a welcome benefit, customers receive 20,000 reward points, equivalent to ₹5,000, upon meeting the initial spending criteria. This makes the card particularly appealing for users looking for immediate value after onboarding.
Premium Lifestyle & Travel Benefits
PNB has bundled several luxury privileges with the LUXURA Metal Credit Card, including:
- Zero forex markup on international transactions, making overseas spending more cost-effective
- Unlimited complimentary airport lounge access, enhancing the travel experience
- Visa Luxury Hotel Collection privileges, offering premium stays and exclusive hotel benefits
- 24×7 Visa Concierge Services for dining reservations, travel planning, event bookings, and lifestyle assistance
These benefits collectively position the LUXURA Metal Credit Card as a comprehensive lifestyle solution rather than just a payment instrument.
Fees & Charges Structure
The fee structure is designed to maintain exclusivity while offering strong value through bundled premium services:
- Joining Fee: ₹4,999 + GST
- Annual Fee: ₹1,999 + GST
Considering the zero forex markup, lounge access, reward acceleration, and concierge support, the pricing aligns with premium market expectations.
Quick Reference Summary
| Feature | Details |
| Card Name | PNB LUXURA Metal Credit Card |
| Card Network | VISA Infinite & RuPay |
| Reward Rate | 4 points per ₹100 spent |
| Bonus Rewards | 3X on travel & dining |
| Welcome Benefit | 20,000 reward points (₹5,000 value) |
| Forex Markup | Zero |
| Lounge Access | Unlimited complimentary |
| Concierge | 24×7 Visa Concierge Services |
| Joining Fee | ₹4,999 + GST |
| Annual Fee | ₹1,999 + GST |
Who Should Opt for the PNB LUXURA Metal Credit Card
The card is ideal for:
- Frequent international travelers seeking zero forex charges
- Affluent professionals who value luxury hospitality and concierge services
- Customers with high monthly spends on travel and dining
- Individuals looking for a premium metal credit card with global acceptance
By combining rewards, lifestyle privileges, and premium service access, PNB aims to cater to customers who expect both convenience and exclusivity.
Frequently Asked Questions (FAQs)
| What is the PNB LUXURA Metal Credit Card? |
| It is a premium metal credit card launched by Punjab National Bank on VISA Infinite and RuPay platforms. |
| What rewards does the LUXURA card offer? |
| Cardholders earn 4 reward points per ₹100 spent, with 3X rewards on travel and dining. |
| Is there a welcome bonus? |
| Yes, 20,000 reward points worth ₹5,000 are offered as a welcome benefit. |
| Does the card have forex markup charges? |
| No, international transactions attract zero forex markup. |
| What are the fees for the PNB LUXURA Card? |
| Joining fee is ₹4,999 + GST and annual fee is ₹1,999 + GST. |
| Does it offer airport lounge access? |
| Yes, unlimited complimentary airport lounge access is included. |
| Is concierge service available? |
| Yes, 24×7 Visa Concierge Services are provided. |
| Who is the card best suited for? |
| Affluent customers with premium travel and lifestyle needs. |
With the launch of the PNB LUXURA Metal Credit Card, Punjab National Bank has made a strong entry into the premium credit card segment. Backed by the VISA Infinite platform, luxury hospitality privileges, zero forex charges, and accelerated rewards, the card delivers substantial value to affluent customers. Aspirational users looking for a blend of status, convenience, and global usability can consider the LUXURA Metal Credit Card as a compelling premium offering. For official details and application updates, customers are advised to visit the PNB official website and bookmark this page for future information
