PNB RuPay Millennial Card
Punjab National Bank
An accessible entry into lounge access at a lower income bar than Visa Signature.
₹399
Joining fee
₹999, waived at ₹1L spend
Annual fee
Annual fee (Rs 999 + GST) waived if annual spend reaches Rs 1,00,000 in the previous year (aggregator notes this requires roughly Rs 8,000/month spend to justify).
3.5%
Forex markup
4.0 / 5
Rating
Eligibility
Minimum income: ₹41,667/month
Estimated minimum CIBIL score: 680+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried or self-employed; minimum income Rs 5,00,000/year (both aggregators agree).
Lounge access
Domestic: 2 complimentary visits per quarter (CardInsider); Paisabazaar corroborates a domestic and international lounge access program as a primary selling point without giving exact counts
International: 2 complimentary visits per year (CardInsider)
Key features
- 300+ activation points
- Domestic + international lounge access programme (count unquantified)
- Low ₹1L fee-waiver threshold
Reward details
2 reward points per Rs 150 spent (roughly — CardInsider's exact phrasing was '2 reward points on every other Rs 150 spent')
- 2x points on Retail/online purchases, first 90 days
Welcome bonus: 300 bonus points on first swipe within 90 days, plus 2x points on retail/online purchases during that period
Redemption
Minimum 500 points required to redeem.
Ratio: 1 point = Rs 0.25
- Complimentary golf and spa sessions, gym membership, health check-up package (Paisabazaar); insurance coverage up to Rs 10,00,000.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Complaints
- 2/5 star rating — aggregator suggests the card suits lifestyle-focused users but recommends alternative reward cards for those prioritizing cashback accumulation — Paisabazaar
Sources
- Official (blocked when last checked) — unreachable (ROBOTS_DISALLOWED / DNS connect timeout)
- Aggregator — forex, lounge, rewards, sentiment
- Aggregator — eligibility, lounge, other benefits, sentiment