← Part of PNB Credit Cards in India
The PNB RuPay Millennial Credit Card is a mid-level offering from Punjab National Bank, designed for health-conscious individuals and shopping enthusiasts. As of 2026, IT is one of the 25 best credit cards available in India, offering lifestyle benefits and reward points.
| Parameter | Details |
|---|---|
| Card Type | Mid-level credit card |
| Target Audience | Health-conscious individuals and shopping enthusiasts (millennials) |
| Joining Fee | ₹399 + applicable taxes |
| Annual Fee | ₹399 + applicable taxes |
| Age Eligibility | 21-65 years |
| Minimum Gross Annual Income | ₹5 lakhs |
| Activation Bonus | 300 bonus reward points on first purchase within 90 days |
| Key Benefits | Airport lounge access, golf sessions, gym membership, premium health checkup package, reward points |
| Fuel Surcharge Waiver | 1% on transactions between ₹500 – ₹3000 (capped at ₹350 per calendar year) |
| Insurance Coverage | Up to ₹10 lakhs |
| UPI Enabled | Yes, linkable to Google Pay, PhonePe, Paytm |
This card provides a full suite of features, including an activation bonus of 300 reward points on the first purchase within 90 days.
PNB RuPay Millennial: Features
The PNB RuPay Millennial Credit Card offers a blend of lifestyle and financial features, designed for health-conscious and shopping enthusiasts. IT includes complimentary gym memberships and premium health check-up packages, alongside reward points on retail and online transactions.
| Feature | Description | Key Benefit |
|---|---|---|
| UPI-Enabled Transactions | The card links to UPI platforms like Google Pay, PhonePe, and Paytm. | Secure UPI payments and benefits on digital transactions. |
| Reward Points on Activation | Earn bonus reward points upon card activation. | 300+ bonus reward points for first purchase within 90 days. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all petrol pumps in India. | Savings on fuel transactions between ₹500 – ₹3,000, capped at ₹350 annually. |
| Complimentary Gym Membership | Card includes a complimentary gym membership. | Supports health and fitness goals for cardholders. |
| Premium Health Check-up Package | Cardholders receive a premium health check-up package. | Promotes health consciousness, especially for millennials. |
| full Insurance Coverage | The card provides full insurance coverage. | Coverage up to ₹10 lakh. |
| Airport Lounge Access | Access to domestic and international airport lounges. | d travel comfort and convenience. |
| Complimentary Golf and Spa Sessions | Access to complimentary golf and spa sessions. | Lifestyle benefits for leisure and relaxation. |
| Mid-level Credit Card Positioning | Positioned as a mid-level credit card. | Offers a balance of premium benefits and accessibility. |
| Online Application Channels | Apply via PNB SARAL mobile app, DIY link on bank’s website, PNB One, or IBS. | Convenient and quick application process with card delivery in 7-10 business days. |
| Offline Application Channels | Apply by visiting the nearest PNB branch. | Personalized assistance for card application. |
This card integrates financial tools with lifestyle perks, making IT suitable for modern Indian consumers. The UPI integration aligns with India’s growing digital payment ecosystem.
PNB RuPay Millennial: Fees & Charges
The PNB RuPay Millennial Credit Card carries a joining fee and an annual fee of ₹399 each, plus applicable taxes, as of 2026. Cardholders also incur a 1% fuel surcharge on transactions between ₹500 and ₹3,000, with a maximum waiver of ₹350 per calendar year.
| Metric | Value (Rs.) | Details |
|---|---|---|
| Joining Fee | 399 | Plus applicable taxes |
| Annual Fee | 399 | Plus applicable taxes |
| Add-on Card Fee | Required to pay | Specific amount not publicly disclosed; verify with PNB |
| Fuel Surcharge Waiver | 1% | On transactions between ₹500 – ₹3,000. Maximum waiver capped at ₹350 per calendar year. |
| Cash Advance Fee (PNB ATMs) | 2% of advance amount | Minimum of ₹150 |
| Cash Advance Fee (Other ATMs) | 2% of advance amount | Minimum of ₹200 |
| Cash Advance Fee (Overseas ATMs) | 2% of advance amount | Minimum of ₹300 |
| Foreign Currency Transaction Markup | 3.5% | For all transactions made in foreign currency |
These charges are standard for mid-level credit cards in India, with specific waivers and minimums applied to various transaction types.
PNB RuPay Millennial: Benefits
The PNB RuPay Millennial Credit Card offers lifestyle benefits, including airport lounge access and health-related perks. Cardholders also earn 300 bonus reward points on their first purchase within 90 days of activation.
- Complimentary Airport Lounge Access: The card provides access to domestic airport lounges at select locations across India.
- Health and Wellness Privileges: Cardholders receive a complimentary gym membership and a premium health checkup package.
- Bonus Reward Points: You earn 300 bonus reward points upon making your first purchase within 90 days of card activation.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver applies to transactions between ₹500 and ₹3,000, with a maximum waiver of ₹350 per calendar year.
- Cashback Offers: The card provides cashback on bill payments made at eateries, restaurants, and for utility services.
- UPI-Enabled Transactions: This RuPay card can be linked to UPI platforms like Google Pay, PhonePe, and Paytm for secure digital payments.
- full Insurance Coverage: The PNB RuPay Millennial Credit Card includes a full insurance cover, as per PNB’s policy.
These benefits cater to the lifestyle and spending habits of millennial users, offering value on daily transactions and travel.
PNB RuPay Millennial: Eligibility
To apply for the PNB RuPay Millennial Credit Card in 2026, applicants must be resident Indians aged 21 to 65 years. A minimum gross annual income of ₹5 lakh is required for eligibility.
- Age Criteria: Applicants must be between 21 and 65 years old. This ensures financial maturity and repayment capacity.
- Residency: Only resident Indian citizens are eligible to apply for this credit card.
- Income Requirement: A minimum gross annual income of ₹5 lakh is mandatory. This threshold helps PNB assess the applicant’s financial stability.
- Employment Status: Both salaried and self-employed individuals can apply for the PNB RuPay Millennial Credit Card.
- Credit Score: While not explicitly stated, a strong CIBIL score, typically above 750, approval chances for most credit cards.
Meeting these criteria is for a successful application for the PNB RuPay Millennial Credit Card.
PNB RuPay Millennial Vs. Alternatives
The PNB RuPay Millennial Credit Card is a mid-level offering, designed for health-conscious and shopping enthusiasts, with a joining fee of ₹399 plus taxes. In contrast, the PNB RuPay Platinum and Select cards cater to everyday spenders, offering different fee structures and benefits as of 2026.
| Feature | PNB RuPay Millennial | PNB RuPay Platinum | PNB RuPay Select |
|---|---|---|---|
| Card Type | Mid-level credit card | Entry-level credit card | Basic credit card |
| Joining Fee | ₹399 + taxes | No joining fee (₹500 annual fee, waived if used once per quarter) | ₹500 (₹750 annual fee, waived if used once per quarter) |
| Annual Fee | ₹399 + taxes | ₹500 (waived if used once per quarter) | ₹750 (waived if used once per quarter) |
| Target Audience | Health-conscious and shopping enthusiasts | New-to-credit consumers, everyday spenders | Everyday spenders and travelers |
| Key Benefits | Complimentary gym membership, health checkup, airport lounge access, golf games, reward points, 1% fuel surcharge waiver | Reward points, UPI-enabled, NCMC card, full insurance | 300+ reward points on first use, 2X reward points on retail, lounge access, cashback, free spa, OTT access, health pass |
| Lounge Access | Domestic airport lounge access | Domestic airport lounge access (spend-based, e.g., ₹5,000 in preceding month) | Domestic airport lounge access (spend-based, e.g., ₹5,000 in preceding month) |
| Fuel Surcharge Waiver | 1% (transactions ₹500-₹3,000, max ₹350/year) | Not explicitly stated as a primary feature | Cashback on bill payments at eateries, restaurants, utility |
| Cash Advance Fee (PNB ATMs) | 2% of advance amount (minimum ₹150) | 2.95% per month finance charge | 2.95% per month finance charge |
| Cash Advance Fee (Other ATMs) | 2% of advance amount (minimum ₹200) | 2.95% per month finance charge | 2.95% per month finance charge |
| Cash Advance Fee (Overseas ATMs) | 2% of advance amount (minimum ₹300) | 2.95% per month finance charge | 2.95% per month finance charge |
| Activation Bonus | 300 bonus reward points (first purchase within 90 days) | 300+ reward points on first use | 300+ reward points on first use |
| Minimum Annual Income | ₹5 lakh | Not explicitly stated, generally lower than Select | Not explicitly stated, generally higher than Platinum |
While the Millennial card focuses on lifestyle and health benefits, the Platinum and Select variants offer broader reward programs and travel perks, with varying fee structures to match different user profiles.
Applying for PNB RuPay Millennial
Applying for the PNB RuPay Millennial Credit Card in 2026 is a straightforward process, available through both online and offline channels. Eligible applicants must be resident Indians aged 21-65 years with a minimum gross annual income of ₹5 lakh.
The card offers 300 bonus reward points upon activation with the first purchase made within 90 days.
- Online Application Channels: You can apply for the PNB RuPay Millennial Credit Card online via the PNB SARAL mobile assisted agent app, a DIY link on the bank’s website, or through online links available on PNB One and IBS.
- Offline Application Method: For an offline application, visit your nearest Punjab National Bank (PNB) branch. A PNB representative will guide you through the necessary paperwork and submission process.
- Required Documents: Ensure you have your PAN card, identity proof (Aadhaar, Passport), address proof, and income proof (salary slips, bank statements, ITR) ready for submission.
- Application Processing: After submitting your application, PNB will review your eligibility and documents. The bank assesses factors like your credit score, repayment habits, and credit utilisation ratio.
- Card Delivery Time: Once approved, the PNB RuPay Millennial Credit Card is typically delivered to your registered address within 7-10 business days.
- Activation and First Use: Upon receiving the card, activate IT as per the instructions provided by PNB. Make your first purchase within 90 days to earn 300 bonus reward points.
Key Takeaways
- The PNB RuPay Millennial Credit Card is designed for individuals aged 21-65 with a minimum annual income of ₹5 lakh.
- Applicants can choose between convenient online application via PNB’s digital platforms or an in-person application at any PNB branch.
- The card offers 300 bonus reward points on the first purchase made within 90 days of activation, alongside a joining and annual fee of ₹399 plus taxes.
Check your eligibility and apply for the PNB RuPay Millennial Credit Card through the official PNB website or by visiting a branch.
Frequently Asked Questions (FAQs)
What should I do if I lose my PNB RuPay Millennial Credit Card?
If you lose your PNB RuPay Millennial Credit Card, immediately contact PNB’s customer care department to report the loss. This action helps prevent unauthorized transactions on your card. PNB will block your lost card and assist you with applying for a replacement.
How can I apply for the PNB RuPay Millennial Credit Card?
You can apply for the PNB RuPay Millennial Credit Card by visiting your nearest Punjab National Bank branch. The bank’s representatives will guide you through the application process and required documentation. Ensure you meet the eligibility criteria before applying.
What are the joining and annual fees for the PNB RuPay Millennial Credit Card?
The PNB RuPay Millennial Credit Card comes with a joining fee of ₹399 plus applicable taxes. An annual fee of ₹399 plus taxes is also charged, which may be waived based on your annual spending. Always verify the latest fee structure with PNB directly.
What are the eligibility criteria for the PNB RuPay Millennial Credit Card?
Applicants for the PNB RuPay Millennial Credit Card must be resident Indians aged between 21 and 65 years. A minimum gross annual income of ₹5 lakh is typically required. Both salaried and self-employed individuals can apply for this card.
What are the key benefits of the PNB RuPay Millennial Credit Card?
The PNB RuPay Millennial Credit Card offers lifestyle benefits like complimentary gym memberships, premium health check-up packages, and reward points on retail and online transactions. Cardholders also receive a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹350 annually. IT also provides comprehensive insurance coverage up to a certain limit.
Does the PNB RuPay Millennial Credit Card offer airport lounge access?
Yes, the PNB RuPay Millennial Credit Card offers domestic airport lounge access as part of its premium benefits. This feature travel convenience for cardholders. The number of complimentary lounge visits may vary, so check PNB’s official terms for current details.
Can I link my PNB RuPay Millennial Credit Card to UPI apps?
Yes, PNB RuPay Millennial Credit Cards are UPI-enabled, allowing you to link them with UPI platforms like Google Pay, PhonePe, and Paytm. This enables secure UPI payments directly from your credit card. You can earn benefits on these UPI transactions.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.