PNB LUXURA RuPay Metal Credit Card

The Luxura credit card offers several benefits such as:

Welcome Benefits:

• Cardholders receive 40,000 reward points after spending Rs.50,000 within the first 90 days of receiving the card.

Travel Benefits:

• Unlimited complimentary airport lounge access for both domestic and international lounges.
• Zero foreign exchange markup on international transactions.

Hotel and Hospitality Benefits

• Two plus one complimentary hotel nights at selected premium properties of ITC Hotels.
• One plus one spa sessions (60 minutes) for guests staying at ITC hotels.
• One plus one dining offers on set menus at premium restaurants such as: Peshawari, Avartana, Kebabs & Kurries, Royal Vega, Dum Pukht, Yi Jing, Pan Asian, and Ottimo Cucina Italiana

HoteLux Membership Benefits

• The card includes Elite Plus membership with HoteLux, a luxury travel platform.
• Cardholders receive:
• Complimentary breakfast
• Room upgrades (subject to availability)
• Early check-in and late check-out
• Hotel dining and spa credits up to US$200
• HoteLux reward points worth US$100–US$200
• Luxury hotel brands participating include: Hyatt, Hilton, Marriott International, Four Seasons Hotels and Resorts, and Shangri-La Hotels and Resorts

Entertainment Benefits

• Buy 1 Get 1 movie ticket every month (up to Rs.500 per ticket) via BookMyShow.

Golf Benefits

• 4 complimentary golf rounds or lessons per year (maximum one per quarter).

Emergency Assistance

• Emergency international cash support up to US$600 in case of wallet loss while travelling abroad.

Features of PNB LUXURA RuPay Metal Credit Card

The Luxura credit card includes various features that enhance spending convenience and reward earnings. They are as follows:  

Reward Programme 

Fuel Benefits

• 1% fuel surcharge waiver.
• Valid for fuel transactions between Rs.500 and Rs.4000.
• Maximum benefit Rs.350 per billing cycle.

Insurance Coverage

Concierge Services

The card provides 24/7 concierge services, including:

• Travel reservations
• Hotel bookings
• Restaurant reservations
• Car rental services
• Event and entertainment bookings
• Assistance with lost passport or lost luggage
• Embassy and hospital assistance when travelling internationally

Eligibility Criteria of PNB LUXURA RuPay Metal Credit Card

To apply for the Luxura credit card, applicants must meet certain eligibility requirements set by Punjab National Bank:

• The age requirement for applicants is between 21 and 70 years.
• Applicants must also meet a basic educational qualification, which requires them to be literate.
• Income requirements are an important part of the eligibility criteria. For salaried individuals, the minimum required gross monthly salary is Rs.1,50,000 or above. For self-employed or non-salaried individuals, the minimum annual income requirement is Rs.18,00,000 or above.
• The bank also offers the option to obtain the Luxura credit card against a fixed deposit. In this case, applicants must maintain a minimum fixed deposit of Rs.1.5 lakh. The credit limit granted on the card will depend on the bank’s policies and the amount of the fixed deposit.
• The credit limit for the Luxura card typically ranges from Rs.1,00,000 to Rs.50,00,000.

Note: The exact limit assigned to a customer depends on the bank’s risk assessment model, which considers factors such as income, credit history, repayment behaviour, and financial stability.

Fees and Charges of PNB LUXURA RuPay Metal Credit Card 

The PNB LUXURA RuPay Metal credit card includes several fees associated with its premium services. The are summarised in the table below: 

How to Apply for PNB LUXURA RuPay Metal Credit Card

Customers can apply for the PNB Metal Credit Card LUXURA issued by Punjab National Bank through different methods such as online application, visiting a bank branch, or applying against a fixed deposit. The step-by-step process for each method is given below.

1. Online Application

• Step 1: Visit the official credit card website of Punjab National Bank.
• Step 2: Navigate to the credit card section and select the Luxura Metal Credit Card option.
• Step 3: Click on the ‘Apply Now’ option to start the application process.
• Step 4: Fill in the online application form with required details such as personal information, contact details, employment information, and income details.
• Step 5: Upload the required documents, including identity proof, address proof, and income proof.
• Step 6: Carefully review all the information entered in the application form.
• Step 7: Submit the application form for verification.
• Step 8: The bank reviews the application and informs the applicant about approval after verification.

2. Apply Through a Bank Branch

• Step 1: Visit the nearest branch of Punjab National Bank.
• Step 2: Request the Luxura credit card application form from the bank staff.
• Step 3: Fill in the application form with personal, contact, and financial details.
• Step 4: Attach required documents such as identity proof, address proof, and income proof.
• Step 5: Submit the completed form along with the documents to the bank representative.
• Step 6: The bank verifies the information and processes the application.
• Step 7: Once the application is approved, the credit card is issued and delivered to the applicant.

3. Apply Against Fixed Deposit

• Step 1: Open a fixed deposit of at least Rs.1.5 lakh with Punjab National Bank.
• Step 2: Request the bank to issue a Luxura credit card against the fixed deposit.
• Step 3: Complete the required credit card application form.
• Step 4: Submit the necessary documents along with the fixed deposit details.
• Step 5: The bank determines the credit limit based on the value of the fixed deposit and internal policies.
• Step 6: After verification and approval, the Luxura credit card is issued to the applicant.

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