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PNB Metal LUXURA Visa Credit Card credit card
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PNB Metal LUXURA Visa Credit Card

Metal Visa Infinite for global travel

Annual fee₹1,999Waived on ₹6.0L spend
Rewards1%Assumes PNB reward points (4 RP = Rs.1)
Forex markup0%Nil
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Welcome benefits

20,000 reward points on ₹50,000 spend in 90 days

Trigger
Spend ₹50,000 within 90 days

Rewards

Base earn rate

Four reward points (worth ₹1) for every ₹100 spent; 3X on travel and dining.

    Fees & charges

    Joining fee
    ₹4,999 + GST
    Annual / renewal fee
    ₹1,999 + GST
    Annual fee waiver
    Annual fee waived when annual spends exceed ₹6,00,000 from the date of issuance.
    Add-on card fee
    ₹4,999
    Interest rate
    2.95% per month
    Overlimit fee
    2.5%
    Forex markup
    Nil
    Fuel surcharge
    1% waiver, on ₹400–₹4000 txns, max ₹350/cycle

    Late payment

    Outstanding amountLate fee
    ₹0 – ₹1,000₹0
    ₹1,001 – ₹5,000₹500
    ₹5,001 – ₹10,000₹600
    Above ₹10,001₹750
    View official MITC →

    Eligibility

    Income (salaried)
    ₹1,50,000/month
    Age
    21–70 years
    NRI eligible: No

    Features

    ✓ Contactless✓ Chip & PIN✓ International usage

    Additional features

    • Unlimited domestic and international lounge access
    • Visa Infinite luxury hotel and dining offers
    • Ixigo, Agoda and villa-stay travel benefits
    • Visa concierge and no forex markup

    Is this card worth it for you?

    ₹10,000₹5,00,000
    0% of spend100% of spend

    Remaining 80% of spend earns the 1% base rate.

    Rewards / year

    ₹8,400

    ≈ 1.40% effective

    Annual fee

    ₹0 (waived)

    waived at ₹6,00,000/yr spend

    Net steady-state return

    +₹8,400/year

    Strong fit at this spend

    At ₹50,000/month, rewards outrun the fee by ₹8,400 a year.

    Apply NowCheck Eligibility →

    One-time joining fee (year 1 only): ₹4,999

    One-time welcome benefit: ~₹5,000 — 20,000 rewards point on spend of Rs.50k in 90 days of activation

    Based on published rates as of 2026-08-07; assumes PNB reward points (4 RP = Rs.1). Rewards estimates, not guarantees.

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