PNB Luxura Metal RuPay Ekaa Credit Card

Punjab National Bank · Open to apply

PNB's metal flagship on RuPay Ekaa: ₹9,000 to join and ₹7,500 a year, both waived on enough spend, 4 reward points per ₹100 (₹0.25 a point, 1%), 20,000 welcome points on ₹50,000 spend, no forex markup and unlimited domestic and international lounge access.

Annual fee
₹7,500 + GST a year
Joining fee
₹9,000 + GST
Fee waiver
Annual fee waived on ₹8,00,000 spend per card year
Base rate
4 reward points per ₹100: 4 PNB Rewardz points per ₹100 (about 1% at cash value)
Lounges
Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Where the sources disagree

  • fuel surcharge waiver minimum: The card page and features sheet say the fuel surcharge waiver applies above ₹500 and below ₹4,000; the KFS and MITC of 2 Nov 2026 say above ₹400 for all cards. We use the card's own page and sheet.

Terms the calculator does not value

  • "3X Reward Point on travel & dining spends": PNB does not say whether this is 12 points per ₹100 in total or an addition to the 4 points, what counts as travel or dining, or any cap, so it is not entered as a rule.
  • The MITC says the bank may introduce spend-based lounge access or offer a lower variant where the card is used mainly for the lounge benefit; lounges are entered as unlimited as published.
  • Hotel, dining, spa, golf, concierge and Visa/RuPay network offers are listed but not valued.
  • PNB publishes no reward exclusions for this card.

Sources

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