PNB LUXURA Metal Credit Card

Reward Rate

The Reward Rate offered by the premium LUXURA Credit Card is quite basic. In fact, several other cards with lower fees offer a much better reward rate.

• 12 Reward Points/₹100 on dining and travel spends (Reward Rate – 3%).
• 4 Reward Points/₹100 spent elsewhere (Reward Rate – 1%).

1 Reward Point = ₹0.25 

Milestone Benefits

The milestone benefits differ based on the card variant:

Visa Infinite

• 10,000 Reward Points (Worth ₹2,500) on annual spends of ₹5 lakh
• 14,000 Reward Points (Worth ₹3,500) on annual spends of ₹10 lakh
• 26,000 Reward Points (Worth ₹6,500) on annual spends of ₹15 lakh

RuPay EKAA

• 10,000 Reward Points (Worth ₹2,500) on annual spends of ₹5 lakh

These milestone rewards are in addition to the regular Reward Points earned on eligible card spends.

Complimentary Airport Lounge Access

The card offers unlimited complimentary domestic and international airport lounge access, which is an excellent benefit at this price point. Cardholders can relax at airport lounges without worrying about visit limits. When combined with the card’s zero forex markup, it becomes an even more compelling option for frequent international travelers.

RuPay Ekaa Benefits

HoteLux Membership

The PNB LUXURA Credit Card comes with a HoteLux Elite Plus Membership, which acts as a premium, members-only luxury travel service. Through this membership, cardholders gain access to a global portfolio of high-end hotels and resorts, including Hyatt, Hilton, AMAN, Rosewood, Marriott, Accor, Four Seasons, Mandarin Oriental, Shangri-La, The Peninsula Hotels, and several others.

The Elite Plus tier offers valuable privileges such as complimentary breakfast, potential room upgrades, early check-in, and late check-out (subject to availability), along with hotel dining and spa credits of up to US$200. Cardholders also receive one-time HoteLux points worth US$100 and US$200, which can be redeemed across partner properties.

These benefits can be enjoyed at a wide range of luxury hotels available on the HoteLux platform, making this membership especially rewarding for frequent luxury travelers.

Visa & Immigration Services (OneVasco)

Visa application assistance through OneVasco is offered with the PNB LUXURA Credit Card, helping make international travel smoother by reducing waiting time and easing the overall visa process.

• Complimentary Lounge Access for 2 Visitors once per year during the visa process (excluding business visas).
• 15% Discount on Fast Track Immigration Services.
• 15% Discount on Visa Concierge Services.

ITC Benefits

• 2+1 Complimentary Nights at ITC Hotels – Enjoy a free third night on stays at select ITC premium hotels throughout the year.
• 1+1 Dining at ITC Restaurants – Experience signature dining with curated set menus at select ITC restaurants.
• 1+1 Spa Therapy at ITC Hotels – Relax with premium spa therapies designed for deep rejuvenation and wellness.

These benefits are available year-round, subject to applicable terms and conditions.

Insurance Covers

• Personal Accidental Insurance – Coverage of up to ₹50 Lakhs
• Air Accidental Insurance – Coverage of up to ₹1 Crore
• Purchase Protection – Protection against loss or damage up to ₹2 Lakhs
• Travel Insurance (Baggage Loss) – Coverage of up to ₹20,000

These insurance benefits add an extra layer of financial security, making the card useful not just for lifestyle and travel spends but also for everyday peace of mind.

Visa Infinite Benefits

Visa Dine & Save

Up to 20% off at participating restaurants across India and select international destinations.

ITC Hotels Offers

Complimentary night stays and discounts on eligible ITC Hotel bookings.

Elite Villas Stay Offers

Stay 3 nights, pay for 2, or get 50% off the second night on select villa stays.

Meet & Greet Service

Complimentary airport meet & greet service at select Indian airports.

GHA DISCOVERY Membership

Access exclusive member benefits across 950+ hotels in over 100 countries.

Visa Concierge Services

24×7 assistance for travel, dining reservations, gift arrangements, and more.

Eligibility

The PNB LUXURA Metal Credit Card is designed for affluent customers with a strong financial profile. To apply for the card, applicants must meet the following eligibility criteria:

• Salaried Individuals: Minimum gross monthly income of ₹1.5 lakh
• Self-Employed/Non-Salaried: Minimum annual income of ₹18 lakh
• PNB Staff/Ex-Staff: All officers (Scale I and above) are eligible, irrespective of salary
• Against Fixed Deposit: Minimum fixed deposit of ₹1.5 lakh

Applicants should also have a healthy credit profile. Salaried applicants and pensioners are generally expected to have a CIBIL score of 700 or above, while other applicants are expected to have a CIBIL score of 750 or above.

Meeting these criteria improves the chances of approval, though the final decision remains at the bank’s discretion.

Bottom Line

The PNB Luxura Credit Card is one of PNB’s most premium and ambitious offerings. Available as a metal credit card, applicants can choose between the RuPay EKAA and Visa Infinite variants. While both variants share most of the core card benefits, they differ in terms of annual fees, welcome benefits, and the network-specific privileges offered by RuPay and Visa.

• Joining Fee: Visa Infinite – ₹4,999 | RuPay EKAA – ₹9,000 (+GST)
• Annual Fee: Visa Infinite – ₹1,999 | RuPay EKAA – ₹7,500 (+GST)

Since the fee structure differs, the welcome benefits also vary between the two variants. However, both offer good value for their respective price points.

One of the biggest highlights of the PNB Luxura Credit Card is that it combines zero forex markup with reward points on international spends, a feature rarely seen among Indian credit cards. Along with accelerated rewards on travel and dining, complimentary airport lounge access, golf privileges, concierge services, and premium Visa or RuPay benefits, the card offers a well-rounded travel experience.

The overall combination of benefits makes this card especially appealing for frequent travelers. For instance, those who take a few international trips each year can make good use of international airport lounge access, a relatively low forex markup, and complimentary visa-related services, ensuring savings and convenience across multiple touchpoints.

Anyone looking for a travel-centric metal credit card or specifically wanting a RuPay EKAA credit card with premium features will find the PNB LUXURA Credit Card to be a worthy addition to their wallet.