PNB LUXURA Metal (Visa Infinite)
KeepLUXURA's cheaper twin — half the joining fee, a Visa Infinite stack instead of HoteLux, same nil forex.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 20,000 reward points (₹5,000) on ₹50,000 of spend within 90 days of card activation
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹17,000 a month
At ₹17,000 a month — ₹2,04,000 a year — on the everyday mix this card returns ₹2,000 gross (earn ₹2,000) against its ₹1,999 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
CONFIRMED as a distinct product from the RuPay Metal LUXURA, not a network variant of the same card: PNB's own Visa Metal page prints a different fee (₹4,999 joining / ₹1,999 annual, against RuPay's ₹9,000 / ₹7,500), different waiver thresholds (₹1.5L spend in three billing cycles / ₹6L annual, against ₹2.5L / ₹8L), and a Visa Infinite benefit stack in place of RuPay Ekaa's HoteLux membership — the Visa Luxury Hotel Collection (US$25 F&B credit, breakfast for two, room upgrade, late checkout), Visa Concierge, Agoda up to 30% off capped US$200, ITC 3-for-2 nights, Elivaas villas, and one complimentary international meet-and-greet at leading Indian airports. Earn, welcome and milestones are identical to the RuPay twin (4 RP/₹100 worth ₹1, 20,000-point welcome, the same three milestone tiers), and so is the headline: 0% forex markup and unlimited complimentary domestic AND international lounge access. At under half the RuPay card's joining fee for the same nil-forex, unlimited-lounge core, this is arguably the better-priced of PNB's two metal cards — and, on a ₹1,50,000/month eligibility bar, the one a reader is more likely to actually clear.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹1,999/yr at stake · 5 spend bands
The charge ₹4,999 joining, then ₹1,999/yr
The waiver ₹6,00,000 of spend in the year before renewal — about ₹50,000 a month — and the renewal fee is not charged.
Break-even ₹17,000 a month — ₹2,04,000 a year — is where this card's value crosses its fee.
At your spend
₹1,000 a year, net of the fee, at ₹3,00,000 of annual spend
₹8,500 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹18,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹48,500 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹72,500 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
Punjab National Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 0% forex markup — same PNB KFS line as the RuPay twin, against 3.5% on every other PNB card
- Unlimited complimentary domestic AND international lounge access (network not named on the page)
- Joining ₹4,999 + GST / annual ₹1,999 + GST — roughly half the RuPay Metal twin's fee for the same nil-forex core
- Visa Infinite stack: Luxury Hotel Collection F&B credit + upgrade, Agoda up to 30% off, ITC 3-for-2, one airport meet-and-greet
- 3X reward points on travel & dining (12 RP/₹100 ≈ 3% at ₹0.25/pt)
- Buy-one-get-one on BookMyShow movie tickets, once a month, up to ₹200 off the second
Watch out
- Points redeem at a flat ₹0.25 with no published transfer partner — the 4-points-per-₹100 headline is really a 1% return
- No golf, no HoteLux, no emergency-cash line and no insurance table on the Visa page — absence on the page, not a confirmed absence from the product
- This is the Visa-network SKU — a separate RuPay Metal LUXURA exists with different fees and a different benefit stack
What these points actually fly
No live transfer route takes PNB Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
4 sourced rules · 1 pay zero
PNB publishes NO merchant-category exclusion list for any card on its shelf — not on the product pages, not in the Key Fact Statement, not in the MITC, which mentions merchant categories only to reserve the bank's right to BLOCK a card transacting on restricted MCCs. So this row states the two deviations PNB does document and nothing else; every other category answers "not published" rather than a guess. The one category- shaped fact worth its own row here is forex: PNB's Key Fact Statement carves this card out of the 3.5% markup by name — "Nil markup for PNB metal card 'Luxura' (RuPay/VISA) & 3.50% markup for all other card".
- Dining & food delivery · accelerated 12 RP/₹100 on travel and dining — the 3X, 3% at the ₹0.25 a PNB point redeems for, against the 4 RP/₹100 base. PNB documents the 3X on the card's own product page and publishes no ceiling on it, the same way it publishes no merchant-category exclusion list for any card on its shelf
- EMI conversions / merchant EMI · excluded No points survive an EMI conversion — PNB's MITC states it bank-wide: "On availing the EMI facility, reward points if any that have been accrued on the original transaction shall be reversed." PNB charges 2% of the transaction (min ₹100 instant / ₹200 Easy Pay) to convert, and 12–18%/yr on the instalments
per Punjab National Bank T&C · rank every card by spend category →
Does your spend count toward the fee waiver?
not published — and we say which
₹6,00,000 a year is the bar that waives the ₹1,999 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. Punjab National Bank states what the PNB LUXURA Metal (Visa Infinite) earns and does not earn, but has not published which spend categories count toward the fee waiver and the milestones — the ₹6,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
income, age and the route in
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Not confirmed on sale — the issuer still documents this card but we could not confirm it is open to new applications. Treat any application path with care.
per the official Punjab National Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
The cheaper of PNB's two metal cards and, like its RuPay twin, the joining fee is conditional rather than prepaid: ₹4,999 + GST "will be charged only if total spend on the card is less than ₹1.5 lakh within three billing cycles from the date of activation OR an activated card is closed within 90 days". The ₹1,999 + GST annual fee is waived above ₹6 lakh of annual spend — against ₹9,000 / ₹7,500 and ₹2.5 lakh / ₹8 lakh on the RuPay metal, so this SKU is materially easier on both counts for the same nil-forex, unlimited-lounge core. Earn, welcome and milestones are identical to the twin: 4 Reward Points per ₹100 (PNB prices them at ₹1, so 1%), 3X on travel and dining, 20,000 points on ₹50,000 of spend within 90 days, then 10,000 / 14,000 / 26,000 points at ₹5 lakh / ₹10 lakh / ₹15 lakh. Where they differ is the benefit stack — Visa Infinite's Luxury Hotel Collection, Visa Concierge, an ixigo discount grid and GHA DISCOVERY status, in place of the RuPay card's HoteLux membership and golf. Credit limit ₹1,00,000–₹50,00,000. Card replacement ₹4,000 + GST. Fuel surcharge waiver 1% (min ₹12.50) on fills above ₹500 and below ₹4,000, capped ₹350 a billing cycle.
per the official Punjab National Bank MITC · reviewed 10 Jul 2026
What's changed for this card
nothing tracked yet — which is itself a fact
No tracked devaluations or changes yet — this card's history starts here.
Verified against Punjab National Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 2 of them, each with the day we read it
- official PNB LUXURA Metal (Visa Infinite) product page — fees, waiver conditions, earn rate, welcome, milestones, Visa Infinite benefit stack
- official PNB bank-wide Key Fact Statement — confirms LUXURA Visa's Nil forex markup against the 3.5% standard, and the ₹4,999/₹1,999 primary fee against the ₹1,999/₹1,999 non-metal add-on tier