PNB Luxura Metal Credit Card (RuPay Ekaa)
Punjab National Bank · ₹7,500 a year · fee waived on ₹8,00,000 of annual spend
PNB’s RuPay metal card with unlimited lounges and 1% back, 3% on travel and dining.
What PNB Luxura Metal Credit Card (RuPay Ekaa) really returns
On a typical ₹50,000 a month of card spend, with points counted as cashback, PNB Luxura Metal Credit Card (RuPay Ekaa) returns about -₹420 a year after its fee (-0.07% of spend). That ranks 245 out of 260 cards SahiCard can score. Earns most on travel & flights (₹1,800) and dining out (₹1,440). Put in your own spending to see your figure, with the working shown.
Best credit cards for ₹50,000 a month · All guides
Base rate: 1% as Reward Point.
What the bank says
- 4 reward points (worth ₹1) per ₹100, and 3X on travel and dining
- 10,000 points on ₹5 lakh of spend a year
- Unlimited domestic and international lounge access
- Welcome: 40,000 points on ₹50,000 of spend in 90 days
- Joining ₹9,000 (waived on ₹2.5 lakh in three billing cycles), annual ₹7,500 (waived on ₹8 lakh)
Where it pays more
- 3% 3X points on travel and dining spends
Things that catch people out
- The welcome 40,000 points are not counted.
- PNB’s fuel surcharge waiver on this card only offsets the surcharge and is not counted.
- PNB does not list the spends that earn nothing, so we apply the usual exclusions for fuel, rent and insurance.
Joining fee: ₹9,000.
Foreign currency markup: not published.
The facts
- Annual fee: ₹7,500
- Fee waived at: ₹8,00,000 of spend a year
- Domestic lounge visits: unlimited
- Minimum income: not published
Read from Punjab National Bank’s own page on 2026-10-06.
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