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REWARD POINTS CARD

PNB Rupay Millennial Card

Punjab National Bank

Reward Points card earning 2 points per ₹150, with 300 points on the first swipe, lounge access and health, golf, spa and gym extras listed.

Annual fee waiver depends on annual spends of ₹1,00,000 in the previous financial year. Points redeem from a minimum of 1,000 and 1 point = ₹0.25.

PNB Rupay Millennial Card
ANNUAL FEE
₹999
JOINING FEE
₹399
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Complimentary domestic (2 per quarter) and international (2 per year) airport lounge access
BEST FOR
Included: Users who expect around ₹1,00,000 annual card spends and want listed lounge and wellness extras
Included: May suit cardholders who want lounge visits, health checkup and golf/spa extras on a lower-fee card
Included: May suit those who expect ₹1,00,000 of annual spends, as the fee waiver depends on it
Included: May suit users wanting a card that is described as UPI compatible
Limitation: Users seeking a high reward rate may wish to compare other cards.
Limitation: Those who want a high reward rate on everyday spends may wish to compare other cards.
Limitation: Those who need railway lounge access may wish to compare other cards.
Limitation: Those who need published forex, finance charge or late fee details here may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward points can be redeemed from a minimum of 1,000 points
Condition: Annual fee waiver is linked to ₹1,00,000 annual spends in the previous financial year

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹399
Annual / renewal fee
₹999
Fee waived at
₹1,00,000 annual spends on the card in the previous financial year
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
20–50 days

Benefits & privileges

TRAVEL
Domestic airport lounge
2 visits per quarter — 2 visits per quarter
International airport lounge
2 visits per year — 2 visits per year
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
Not stated
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Not stated
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Complimentary domestic (2 per quarter) and international (2 per year) airport lounge access
Included: Premium Health Checkup Package and complimentary golf and spa sessions listed
Included: Complimentary gym membership and personal accident insurance of ₹10 lakh listed
Included: Card described as UPI compatible; contactless transactions up to ₹5,000 per transaction
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.