PNB Zaggle Twin
KeepTwo cards, one limit, two lounge programmes — the only PNB find with a real railway-lounge leg.
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: A ₹1,500 MakeMyTrip voucher, plus a Visa activation voucher up to ₹250 (Amazon/Swiggy/Zomato/Flipkart) on the first Visa transaction of ₹300+
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 ₹5,000 a month
At ₹5,000 a month — ₹60,000 a year — on the everyday mix this card returns ₹500 gross (earn ₹500) against its ₹499 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
PNB's Zaggle co-brand is issued as a TWIN — one RuPay Select and one VISA Platinum card under a single sanctioned limit, a shape nothing else on this board models. The RuPay leg carries the real numbers: 8 domestic lounge visits a year (2 a quarter) plus 2 international a year under the NPCI RuPay Select programme, and a ₹1,500 MakeMyTrip welcome voucher. The VISA Platinum leg adds something PNB's other finds don't have at all — 2 RAILWAY lounge visits a quarter, the kind we already model for the IRCTC co-brands — plus an ixigo offer of up to 15% off flights and hotels (capped ₹1,200, ₹5,000 minimum, once a month) and jewelry-purchase discounts. Zaggle is an expense-management platform, but this SKU is sold to individuals on a ₹2.5 lakh/year income floor, not issued through an employer, so it stays in scope. Earn is modest but real: 10 points per ₹300 spent, valued at ₹2.50, which works out to 0.83% at the shelf's flat ₹0.25 rate. Add quarterly Flipkart/Myntra and Ola/Uber vouchers, a BookMyShow BOGO, three months of Cult Fit and Swiggy One, and a Prime/JioHotstar welcome, and this is a genuinely broad ₹499/₹499 card — the railway lounge leg alone makes it worth the modest fee for anyone who travels by both plane and train.
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
₹499/yr at stake · 5 spend bands
The charge ₹499/yr
The waiver ₹1,50,000 of spend in the year before renewal — about ₹12,500 a month — and the renewal fee is not charged.
Break-even ₹5,000 a month — ₹60,000 a year — is where this card's value crosses its fee.
At your spend
₹2,500 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹5,000 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹10,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹30,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹50,000 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 / Zaggle 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
- 8 domestic + 2 international airport lounge visits/year (RuPay leg, NPCI programme) PLUS 2 railway lounge visits/quarter (VISA leg) — the only PNB find with a railway-lounge benefit
- ₹1,500 MakeMyTrip welcome voucher, plus a Visa activation voucher up to ₹250
- ixigo offer: up to 15% off flights and hotels, capped ₹1,200, once per card per month
- ₹499 joining and annual fee, waived above ₹1.5L of the preceding year's spend; add-on cards free
Watch out
- Issued as a TWIN — you receive and manage two physical cards (RuPay Select + VISA Platinum) sharing one credit limit
- 0.83% base earn (10 points per ₹300 at a flat ₹0.25/point) — the value here is the lounge/discount stack, not the points
- Confirm before applying that your specific application is the individual retail SKU, not an employer-issued Zaggle expense card — corporate cards are out of scope for this desk
- No forex markup published on the card's own page; the bank-wide standard is 3.5%
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
2 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.
- 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 / Zaggle T&C · rank every card by spend category →
Does your spend count toward the fee waiver?
not published — and we say which
₹1,50,000 a year is the bar that waives the ₹499 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 / Zaggle states what the PNB Zaggle Twin earns and does not earn, but has not published which spend categories count toward the fee waiver — the ₹1,50,000 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
38 of 793 tracked doors
Opens 38 of 793 tracked lounge doors across 10 airports and 19 railway stations , via RuPay, DreamFolks Railway — see the full map →
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 / Zaggle 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.
₹499 to join and ₹499 a year, waived above ₹1.5 lakh of the previous year's spend, on the lowest income bar PNB publishes for a co-brand — ₹2,50,000 a year. The earn is blocky rather than marginal: 10 Reward Points (PNB values them at ₹2.50) per ₹300 of spend "and multiple", so a ₹299 transaction pays nothing and ₹599 pays the same as ₹300. The RuPay Select half carries the lounge — 8 domestic visits a year (two a quarter) plus 2 international — and the VISA Platinum half carries 2 railway lounge visits a quarter and the Visa activation voucher. Insurance is a ₹10 lakh personal-accident cover. Fuel surcharge waiver 1% (min ₹12.50) on fills above ₹500 and below ₹4,000, capped ₹350 a billing cycle. The MITC values a point at 25 paise; pnbcard.in/rewards.html still says 50 paise.
per the official Punjab National Bank / Zaggle 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 / Zaggle's own documents on · the net-annual-value engine, at our house ₹/point