PNB Zaggle Co-Branded Twin Credit Card
Punjab National Bank · Open to apply
A twin card (RuPay Select and Visa Platinum on one limit) co-branded with Zaggle: ₹499 to join and ₹499 a year for both cards (waived on ₹1.5 lakh spend), 10 reward points per ₹300 (₹0.25 a point, about 0.83%), eight domestic and two international lounge visits a year on the RuPay card, and a bundle of quarterly vouchers.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹1,50,000 spend a calendar year
- Base rate
- 10 reward points per ₹300: 10 PNB Rewardz points per ₹300 (about 0.83% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter; International: 2 visits a calendar year; Railway: 2 visits a calendar quarter
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Terms the calculator does not value
- The vouchers, memberships and network offers (Flipkart, Myntra, MakeMyTrip, Ola/Uber vouchers, BookMyShow, Swiggy One, Cult Fit, Prime or JioHotstar once a year, Ixigo, jewellery discounts) are listed without values or terms; most are discount vouchers.
- PNB publishes no reward exclusions for this card.
Sources
- PNB Zaggle Co-Branded Twin Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- PNB credit card FAQ (PDF of 23 Jul 2024) (FAQ, the bank's own, read 6 Nov 2026)