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PNB Rupay Millennial Credit Card – For Lifestyle

Home Credit Card PNB Credit Card PNB Rupay Millennial Credit Card

PNB Rupay Millennial Credit Card is a mid-level credit card that offers lifestyle benefits to its users. You can avail premium benefits like airport lounge access, golf games and more via this credit card. Additionally, you can also earn reward points at the time of activation. Read on to know more about this credit card.

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Updated: 13-09-2025 11:57:47 AM

Key Highlights of PNB Rupay Millennial Credit Card
Card Type Mid-level
Best Suited for Lifestyle
Joining Fee Rs. 399
Renewal Fee Rs. 999 (waived off on spending Rs. 1 lakh in a year)
Minimum Income Requirement Rs. 5 lakh p.a.
Best Feature Domestic & international lounge access program
Paisabazaar’s Rating ★★ (2/5)

Note: This card is not available on Paisabazaar.com. Content on this page is for information purpose only. To express interest in this card, please visit PNB Card’s website.

Also read: Top PNB Credit Cards in India

On this page
PNB Rupay Millennial Credit Card: Features & Benefits
PNB Rupay Millennial Credit Card: Fees & Charges
PNB Rupay Millennial Credit Card: Eligibility & Documentation
Should you get PNB Rupay Millennial Credit Card?
Cards Similar to PNB Rupay Millennial Credit Card
FAQs
PNB Rupay Millennial Credit Card: Features & Benefits

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
PNB Rupay Millennial Credit Card: Fees & Charges

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

PNB Rupay Millennial Credit Card: Eligibility & Documentation

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
Should you get PNB Rupay Millennial Credit Card?

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.

Cards Similar to PNB Rupay Millennial Credit Card

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
FAQs

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.

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