PNB Luxura Metal Credit Card (Visa Infinite)

Punjab National Bank · ₹1,999 a year · fee waived on ₹6,00,000 of annual spend

PNB’s Visa Infinite metal card with a low fee, no forex markup and unlimited lounges.

What PNB Luxura Metal Credit Card (Visa Infinite) really returns

On a typical ₹50,000 a month of card spend, with points counted as cashback, PNB Luxura Metal Credit Card (Visa Infinite) returns about ₹5,081 a year after its fee (0.85% of spend). That ranks 70 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
• No forex markup
• Joining ₹4,999 (reimbursed on ₹1.5 lakh of spend), annual ₹1,999 (waived on ₹6 lakh)

Where it pays more

• 3% 3X points on travel and dining spends

Things that catch people out

• The welcome 20,000 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: ₹4,999. Foreign currency markup: 0%.

The facts

• Annual fee: ₹1,999
• Fee waived at: ₹6,00,000 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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