PNB Unveils LUXURA Metal Credit Card on Visa Infinite: Premium Perks Take Centre Stage

Punjab National Bank (PNB) has introduced its new LUXURA Metal Credit Card on the Visa Infinite platform, signalling a determined push into the premium credit card segment. Designed for customers who seek elevated travel, lifestyle and rewards benefits, the card blends high-end privileges with practical everyday features to appeal to affluent spenders and globetrotters alike.

What Makes the LUXURA Metal Card Stand Out?

At its core, the LUXURA Metal Credit Card is built around reward incentives and lifestyle experiences rather than just transactional convenience.

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Cardholders earn 4 reward points for every ₹100 spent, translating to a strong ongoing reward rate on regular purchases. New users also receive a 20,000-point welcome bonus worth around ₹5,000 if they spend ₹50,000 within the first 90 days of activation. Additionally, users who spend at least ₹5 lakh in a year get 10,000 bonus reward points. Around travel and dining categories, rewards are even richer, with 3X points on eligible spends.

Travel & Global Benefits

Travel perks are a highlight of this card. International and domestic travellers benefit from zero foreign exchange markup, meaning no extra fees on overseas transactions — a rare advantage among Indian credit cards. The card also offers unlimited complimentary lounge access at airports globally, enhancing comfort for frequent flyers.

Under the Visa Luxury Hotel Collection, cardholders enjoy hotel privileges such as daily breakfast for two, room upgrades, VIP guest status, complimentary Wi-Fi and late check-outs — all subject to availability. Discounts and offers on domestic and international flights and hotel bookings through partners such as Ixigo, Agoda, Expedia and Trip.com further extend its appeal to frequent travellers.

Lifestyle and Everyday Benefits

This card’s value isn’t limited to travel. It includes buy-one-get-one movie tickets via BookMyShow, curated discounts on events and dining through platforms like District, and grocery savings on BigBasket. Fuel surcharge waivers of up to ₹350 per billing cycle add practical everyday savings. 24×7 Visa Concierge Services provide personalised assistance for travel planning, dining reservations, healthcare support and more.

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Costs and Eligibility

The card carries a joining fee of ₹4,999 (plus GST) and an annual fee of ₹1,999 (plus GST). These fees may be waived if the cardholder meets specific spending thresholds within a given time frame, making the card potentially cost neutral for high spenders.

While precise eligibility details are set by the bank, such premium metal cards typically require a solid income profile and strong credit history, ensuring the card is pitched at experienced credit users and frequent spenders.

Final Word

The PNB LUXURA Metal Credit Card on the Visa Infinite platform aims to carve out a niche among rewards-driven, travel-oriented customers who value luxury benefits alongside practical everyday savings. With strong reward rates, generous travel perks and a premium brand experience, this card positions PNB competitively in India’s growing premium credit card landscape.