PNB Rupay Millennial Credit Card – For Lifestyle

This credit card offers lifestyle benefits to its users. You can also earn reward points on joining via this credit card. Below mentioned are some of the top features and benefits of this credit card:

• 300+ reward points on the activation
• Annual fee waiver on spending Rs. 1 lakh or more in a year
• Domestic and international lounge access program
• Complimentary golf and spa sessions
• Complimentary gym membership
• Premium health check-up package
• Comprehensive insurance coverage up to Rs. 10 lakh

Below mentioned are the fees and charges associated with this credit card:

Title	Details
Joining Fee	Rs. 399
Renewal/ Annual Fee	Rs. 999 (waived off on spending Rs. 1 lakh in a year)
Late Payment Charges	For Outstanding Balance: Rs. 1,000 or less: Nil Rs. 1,001 to Rs. 5,000: Rs. 500 Rs. 5,0001 to Rs. 10,000: Rs. 600 Above Rs. 10,000: Rs. 750

Must read: Best Credit Cards in India

The applicant must fulfill the below-mentioned eligibility criteria to apply for this credit card:

Particular	Details
Occupation	Salaried or Self-employed
Minimum Age Requirement	21 years
Maximum Age Requirement	65 years
Documents Required	Click here for the list of acceptable documents

PNB Rupay Millennial Credit Card is a mid-level credit card that offers lifestyle benefits. This credit offers some premium benefits, including airport lounge access, golf sessions, gym membership and more. Additionally, you can avail this credit card for free by spending approximately Rs. 8,000 every month, which is not high for people who frequently use their credit cards. Overall, you can opt for this credit card if you want to avail lifestyle benefits. However, people who are looking for a credit card to earn reward points can look for other reward credit cards available in the market.

A few of the similar credit cards are mentioned in the table below:

Credit Card	Annual Fee	Key Feature
PNB Rupay Millennial Credit Card	Rs. 999	300+ reward points on activation and domestic & international lounge access program
HDFC Millennia Credit Card	Rs. 1,000	5% cashback on Amazon and Flipkart
Axis Bank Buzz Credit Card	Rs. 750	3x (6) EDGE reward points on every Rs. 200 spent online
SBI SimplyCLICK Credit Card	Rs. 499	10X reward points on online spends with partners (Amazon, BookMyShow, Lenskart, Apollo24X7, Netmeds, Cleartrip and Eazydiner)
Standard Chartered Platinum Rewards	Rs. 250	5 reward points on every Rs. 150 spent at partner dining restaurants

How much credit limit will I get on my credit card?

The limit of the credit card depends on your income and other factors. The bank will disclose the limit after scrutinizing your application.

Does this credit card offer a fuel surcharge waiver?

No, this credit card does not offer a fuel surcharge waiver.

Can I earn reward points on every purchase via this credit card?

You will only get 300+ bonus reward points at the time of activation.

How can I apply for this credit card?

You can apply for PNB Rupay Millennial Credit Card by visiting the nearest PNB branch.

Does this card offer an annual fee waiver?

Yes, you can avail annual fee waiver by spending Rs. 1 lakh or more in a year.

What should I do if I lose my PNB Rupay Millennial Credit Card?

As soon as you notice the loss of your card, you should inform the customer care department of the bank.