Zero Forex, Unlimited Lounge Access & 20,000 Welcome Points: PNB’s New Metal Card Has It All

To broaden its premium card portfolio, Punjab National Bank (PNB), one of India's top public sector banks, announced the introduction of the PNB Metal Credit Card, LUXURA, on the VISA Infinite platform.

"Designed for customers with evolving lifestyle aspirations, the LUXURA Metal Credit Card on VISA Infinite brings together high credit limits, accelerated rewards, international travel privileges and exclusive lifestyle benefits. With this addition, LUXURA is now available on both RuPay and Visa platforms, expanding its global acceptance and enhancing its lifestyle-led value proposition for customers," said PNB in a statement.

PNB LUXURA Metal Credit Card Benefits

• Get a welcome benefit of 20,000 reward points, equivalent to Rs 5,000, on spending Rs 50,000 within the first 90 days.
• In addition, the credit card offers 4 reward points for every Rs 100 spent, 3X reward points for dining and travel, and 10,000 additional reward points for spending Rs 5 lakh annually.
• Zero forex markup on overseas transactions and unlimited free access to both domestic and foreign airport lounges are two more premium perks.
• A variety of Visa Luxury Hotel Collection perks, including free Wi-Fi, food and beverage credits, daily breakfast for two, VIP guest status, room upgrades, and late check-out, subject to availability, are made available by the LUXURA Metal Credit Card on VISA Infinite.
• Under the Visa Dine & Save program, dining privileges include discounts of up to 20% that are available at selected restaurants in India and other countries.
• Travel advantages include special deals at prominent hotel brands like IHG Hotels, ITC Hotels, and Elivaas Villas, as well as alluring savings on domestic and international flights and hotel reservations through websites like Ixigo, Agoda, Expedia, and Trip.com.
• Additionally, customers may take advantage of lifestyle and entertainment deals including a fuel fee waiver of up to Rs 350 per billing cycle, curated discounts on events, dining and shopping via District, grocery savings through BigBasket, and buy one movie ticket, get one free on BookMyShow.
• The card also gives you access to Visa Concierge Services, which are available around the clock and offer tailored assistance with trip planning, dining reservations, healthcare support, entertainment bookings, gifting, shopping, and lifestyle needs in key international locations.
• The metal card has an annual charge of Rs 1,999 plus GST and a joining fee of Rs 4,999 plus GST.

Shri Ashok Chandra, MD&CEO, PNB, said, "As customer expectations continue to evolve, there is a growing demand for financial solutions that seamlessly combine global acceptance, premium experiences and everyday convenience. The LUXURA Metal Credit Card has been thoughtfully designed to address these aspirations, offering a refined blend of exclusivity, flexibility and lifestyle privileges. With the launch of the credit card on VISA Infinite platform, PNB strengthens its premium banking proposition and reaffirms its commitment to delivering globally competitive, customer-centric solutions that align with the evolving lifestyle needs of today's customers, both in India and internationally."

Financially speaking, Punjab National Bank (PNB) revealed that its operating profit increased by 13% YoY to Rs 7,481 crore and net profit climbed by 13.1% YoY to Rs 5,100 crore. In Q3FY26, net interest income (NII) was Rs 10,533 crore, a 4.5% drop from Q3FY25's Rs 11,032 crore. In Q3FY26, the domestic net interest margin (NIM) was 2.65%, which was 3.09% in the same period the previous year. Net NPA reduced by 9 bps YoY to 0.32%, while gross NPA plummeted by 90 bps YoY to 3.19%.