Punjab National Bank (PNB) has entered the ultra-premium credit card segment with the launch of the PNB LUXURA Metal Credit Card on the Visa Infinite platform. Targeted at high-income professionals and premium spenders, this card provides a sophisticated blend of luxury, rewards, travel privileges, and lifestyle benefits.
If you’re looking for a metal credit card with global acceptance, airport lounge access, premium rewards, and elite Visa Infinite benefits, the PNB LUXURA Metal Credit Card is worth exploring.
What is the PNB LUXURA Metal Credit Card?
The PNB LUXURA Metal Credit Card is a super-premium option issued by Punjab National Bank in partnership with Visa Infinite. Crafted from metal for a premium feel, it comes with benefits for luxury travel, dining, and lifestyle needs.
This card is ideal for individuals who frequently travel, spend on premium brands, and want exclusive privileges with a trusted public sector bank.
PNB LUXURA Metal Credit Card Recap
- Premium Metal Credit Card
- Powered by Visa Infinite
- High reward points on everyday & luxury spends
- Complimentary airport lounge access
- Premium travel & lifestyle privileges
- Global acceptance with enhanced security
- Designed for high-income individuals
PNB LUXURA Metal Credit Card – Fees & Charges
| Fee Type | Amount |
| Joining Fee | ₹10,000 + GST |
| Annual Fee | ₹10,000 + GST |
| Fee Waiver | Annual fee may be waived on achieving spend-based milestones (as per bank policy) |
Reward Points Structure
PNB LUXURA Metal Credit Card offers attractive reward points on both domestic and international spending.
- Earn reward points on retail purchases.
- Higher rewards on travel, dining, and premium categories
- Reward points can be redeemed for:
- Flights & hotel bookings
- Gift vouchers
- Premium merchandise
- Lifestyle experiences
This makes the card suitable for users who spend heavily on travel, shopping, and lifestyle services.
Airport Lounge Access Benefits
With Visa Infinite privileges, cardholders enjoy:
- Complimentary domestic airport lounge access
- International lounge access via the Visa Infinite network
- Comfortable travel experience with premium lounges
Ideal for frequent flyers who prioritize comfort during travel.
Travel & Insurance Benefits
PNB LUXURA Metal Credit Card comes with premium travel benefits such as:
- Air accident insurance cover
- Travel inconvenience protection
- Lost baggage and delayed flight coverage
- International acceptance with global protection
These benefits add an extra layer of security during domestic and international travel.
Also Read: HDFC Bank Swiggy Credit Card
Lifestyle & Visa Infinite Privileges
As a Visa Infinite cardholder, you gain access to:
- Luxury hotel & resort offers
- Premium dining discounts
- Golf privileges at select courses
- Concierge services
- Exclusive shopping & lifestyle deals
This card is designed for those who enjoy a high-end lifestyle with exclusive privileges.
Eligibility Criteria for PNB LUXURA Metal Credit Card
To apply for the card, you typically need to meet the following criteria:
- Age: 21 years and above
- Income: High annual income (bank-defined)
- Credit Score: Good to excellent (preferably 750+)
- Employment: Salaried professionals or self-employed individuals
Final eligibility depends on internal credit assessment by PNB.
Documents Required
- PAN Card
- Aadhaar Card or Address Proof
- Income Proof (Salary slips / ITR)
- Passport-size photograph
Additional documents may be requested during the verification process.
Why Choose PNB LUXURA Metal Credit Card?
- Premium metal card experience
- Strong backing of a trusted PSU bank
- Visa Infinite global benefits
- Ideal for frequent travelers and luxury spenders
- High reward potential on premium categories
Also Read: Best Credit Card for Entertainment
Is the PNB LUXURA Metal Credit Card Worth It?
If you are someone who values luxury, premium travel benefits, lounge access, and exclusive lifestyle privileges, the PNB LUXURA Metal Credit Card is a strong contender in India’s premium credit card space.
While the joining and annual fee is on the higher side, the rewards, comfort, and elite status it offers can easily justify the cost for high-spending users.