Research coverage — 9/16 categories
PNB · RuPay
PNB RuPay Metal LUXURA Credit Card
Best forDining & Travel
Earns12 RP/₹100 on dining
1st Year / Joining Fee
₹9,000 + taxes
Renewal Fee
Not recorded
Fee waiver
₹8,00,000
annual spend
Network
RuPay
PNB
PNB RuPay Metal LUXURA Credit Card
RuPayWhy this card may suit you
Based on the card's verified terms.
- Best suited to spending on dining and travel, where it earns 12 RP/₹100
- Annual fee is waived at ₹8,00,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
Dining12 RP/₹100
Travel12 RP/₹100
All 16 reward categories · 9 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | — | — | Standard verified retail earn rateDetails
|
| Education | — | — | Standard verified retail earn rateDetails
|
| Insurance | — | — | Standard verified retail earn rateDetails
|
| Utilities | — | — | Standard verified retail earn rateDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | — | — | Research pendingDetails
|
| Dining | 12 RP/₹100 | — | 3X accelerated reward points (12 RP/₹100Details
|
| Food Delivery | — | — | Research pendingDetails
|
| Shopping | — | — | Research pendingDetails
|
| Travel | 12 RP/₹100 | — | 3X accelerated reward points (12 RP/₹100Details
|
| Government | — | — | Standard verified retail earn rateDetails
|
| Wallet | No reward | — | —Details
|
| Railways | — | — | Research pendingDetails
|
| FASTag | — | — | Research pendingDetails
|
| Jewellery | — | — | Research pendingDetails
|
| Telecom | — | — | Research pendingDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹9,000 + taxes
Renewal Fee
Not recorded
Fee waiver
₹8,00,000
annual spend
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Spending thresholds
- Spend ₹5,00,000 per card year → Annual spend ₹5L milestone verified
- Spend ₹10,00,000 per card year → Annual spend ₹10L milestone verified
- Spend ₹15,00,000 per card year → Annual spend ₹15L milestone verified
Key benefits
Rewards
12 RP/₹100 on dining
Lounge access
unlim lounge
Foreign-currency markup
0% forex
Milestone benefit
Annual spend ₹5L milestone verified
Milestone benefit
Annual spend ₹10L milestone verified
Fee waiver
Annual fee waived on ₹8,00,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- No reward on: Fuel, Wallet
- Spend ₹5,00,000 per card year → Annual spend ₹5L milestone verified
- Research pending: Groceries, Food Delivery, Shopping, Railways +3 more — not counted
Who should consider this card
✓ Good fit if
- Your spending is concentrated in dining, travel
- You can reach the ₹8,00,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in fuel, wallet, which earn nothing
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 2 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Fuel — No reward.
- Wallet — No reward.
Milestones · 3 recorded
- Spend ₹5,00,000 per card year — Annual spend ₹5L milestone verified; exact bonus point tranche unstated in PNB circular; financial bonus earn blocked.
- Spend ₹10,00,000 per card year — Annual spend ₹10L milestone verified; exact bonus point tranche unstated in PNB circular; financial bonus earn blocked.
- Spend ₹15,00,000 per card year — Annual spend ₹15L milestone verified; exact bonus point tranche unstated in PNB circular; financial bonus earn blocked.
Eligibility
Subject to PNB's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: RuPay
- Airport lounge: unlim lounge
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: 0% forex
Other categories recorded for this card
- Grocery — —. Standard verified retail earn rate
- Online Shopping — —. Standard verified retail earn rate
- Offline Shopping — —. Standard verified retail earn rate
- Hotels — 12 RP/₹100. 3X accelerated reward points (12 RP/₹100
- UPI — 4 RP/₹100. Standard verified retail earn rate
- Healthcare — —. Standard verified retail earn rate
- Other / General Retail — —. Standard verified retail earn rate
What DhanChakshu couldn't fully verify · 8 areas
8 areas need further verification. None of these are counted as zero.
- • Groceries — research pending
- • Food Delivery — research pending
- • Shopping — research pending
- • Railways — research pending
- • FASTag — research pending
- • Jewellery — research pending
- • Telecom — research pending
- • Fuel surcharge waiver — not recorded; check the issuer terms
Sources & verification
Verification & sources · last checked 2026-09-26
Verification coverage: 9 of 16 categories verified · 7 still being verified
Card record last checked: 2026-09-26
Documents used
PNB RuPay Metal LUXURA Credit Card Features & Schedule · PNB-SRC-032 · 2026-09-26
Linking of RuPay Credit Cards on UPI Platform · PNB-SRC-009 · 2026-09-26
Restricted Merchant Category Codes (MCC) & Exclusions · PNB-SRC-025 · 2026-09-26
PNB LUXURA Super-Premium Metal Card Specifications · PNB-SRC-019 · 2026-09-26