PNB RuPay Millennial Credit Card
Punjab National Bank · ₹999 a year · fee waived on ₹1,00,000 of annual spend
A RuPay card for younger customers with lounge access.
What PNB RuPay Millennial Credit Card really returns
On a typical ₹50,000 a month of card spend, with points counted as cashback, PNB RuPay Millennial Credit Card returns about ₹1,623 a year after its fee (0.27% of spend). That ranks 204 out of 260 cards SahiCard can score. Earns most on online shopping (₹396) and groceries (₹317). 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: 0.33% as Reward Point.
What the bank says
- 2 reward points per ₹150, worth 25 paise
- 2 domestic lounge visits a quarter and 2 international a year
- UPI compatible
- Annual fee ₹999, waived on ₹1 lakh of spend in the previous financial year
Things that catch people out
- Earns 2 points per ₹150 at 25 paise a point, which is 0.33%. That is a low rate, and the fee is only worth paying if the waiver applies.
- The page says the card is UPI compatible but does not say UPI payments earn points, so we count none.
- PNB does not list the spends that earn nothing, so we apply the usual exclusions for fuel, rent and insurance.
Joining fee: ₹399.
Foreign currency markup: not published.
The facts
- Annual fee: ₹999
- Fee waived at: ₹1,00,000 of spend a year
- Domestic lounge visits: 8 a year
- Minimum income: ₹5,00,000 a year
Read from Punjab National Bank’s own page on 2026-10-06.
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