PNB RuPay Millennial Credit Card

Catering to the health-conscious and avid shoppers among millennials, PNB introduces the RuPay Millennial Credit Card. Enjoy a complimentary gym membership, premium health checkup, and earn reward points on all retail and online transactions. With a nominal joining fee of Rs. 399, this card offers additional perks, including complimentary travel and golf benefits. Elevate your lifestyle with this entry-level credit card designed for the dynamic needs of the modern generation.

Key Highlights of PNB RuPay Millennial Credit Card

Unlock unparalleled benefits with the PNB RuPay Millennial Credit Card.

  1. Up to ₹10 Lakhs comprehensive insurance cover
  2. Exclusive health test package
  3. Complimentary airport lounge access
  4. Free spa, golf, and gym membership bookings
  5. Earn 300+ reward points on card activation
  6. Unlock over 300 additional points upon card activation

Features and Benefits of PNB RuPay Millennial Credit Card

The PNB RuPay Millennial Credit Card offers several features and benefits:

1. Welcome Benefits:

  • Activation Bonus: Get up to 300 reward points on the first card swipe within 90 days for retail/online transactions.
  • 2x Rewards: Earn double points on retail/online transactions (excluding fuel and cash withdrawal) in the initial 90 days.

2. Reward Redemption:

  • Easily redeem points for movie tickets, hotel bookings, mobile/DTH recharge, and more.
  • Minimum 500 points required for redemption.
  • 1 Reward Point equals Rs. 0.50.
  • Points valid for 3 years from accrual.

3. Travel Benefits:

  • 2 domestic lounge accesses per quarter and 2 international accesses per year.

4. Insurance Benefits:

  • Comprehensive insurance coverage up to Rs. 10 Lakhs.

5. Other Benefits:

  • Complimentary gym membership, spa sessions, and premium health checkup.
  • Enjoy free golf sessions with this card.

PNB RuPay Millennial Credit Card Fees and Charges

Explore the fee structure for the PNB RuPay Millennial Credit Card and discover the financial advantages that come with it.

  1. Joining Fee: Rs. 399/-
  2. ADD-ON Card Joining Fee: Rs. 399/-
  3. Annual Fee: Rs. 999/- p.a. (Waived if Annual Card spends reach Rs. 1 Lacs in the previous Financial Year)
  4. No Annual Charges for ADD-ON Cards
  5. Comprehensive Insurance Coverage up to Rs. 10 Lacs
  6. Domestic and International Lounge Access Program
  7. Premium Health Check-Up Package
  8. Complimentary Golf and Spa Sessions
  9. Complimentary Gym Membership
  10. 300+ Reward Points on Activation

Eligibility Criteria for PNB RuPay Millennial Credit Card

Here are essential criteria for applying for an PNB RuPay Millennial Credit Card:

1. Educational Qualification: Literate applicants who can read and write.
2. Age:

  • Primary Applicant: Minimum 21 years.
  • ADD-ON Card Holder: Minimum 18 years.
  • No maximum age for Card Holders issued Card against FDR.
  • Maximum Age for all: 65 years.

3. Income Criteria: Minimum Gross Annual Income of Rs. 5 Lakhs.

Documents Required for PNB RuPay Millennial Credit Card

To apply for the PNB RuPay Millennial Credit Card, you will typically need to provide the following documents:

1. Proof of Address:

  • Ration card
  • Electricity bill
  • Telephone bill
  • Bank account statement
  • Employer’s letter
  • Credit card statement
  • Authorized public authority letter
  • Income/Wealth Tax Assessment Order

2. Proof of Identity:

  • Passport
  • PAN Card
  • Driving License
  • Aadhaar Card
  • Authorized public authority letter
  • Marriage certificate (for married women with maiden name)
  • Registered property document with photo ID
  • Arms license issued by state/central government

3. Proof of Income:

  • Bank statement (up to 3 months old)
  • Salary slip (up to 3 months old)
  • Form 16
  • Copy of ITR
  • Profit and loss statement (for organizations)

How to apply for PNB RuPay Millennial Credit Card?

Follow these steps to apply for the PNB RuPay Millennial Credit Card:

  1. Visit the Official PNB Website:
    Go to the official website of Punjab National Bank (PNB) to access the credit card application portal.
  2. Navigate to Credit Cards Section:
    Look for the “Credit Cards” section on the website. You may find it under the “Personal Banking” or “Products” tab.
  3. Select RuPay Millennial Credit Card:
    Once in the credit cards section, specifically choose the PNB RuPay Millennial Credit Card from the list of available cards.
  4. Read Eligibility Criteria:
    Review the eligibility criteria for the PNB RuPay Millennial Credit Card. Ensure that you meet the required age, income, and other eligibility parameters.
  5. Gather Necessary Documents:
    Prepare the necessary documents such as proof of identity, address, income, and any other documents specified by PNB.
  6. Fill Out the Online Application Form:
    Complete the online application form with accurate details. Provide all the required information, including personal details, contact information, and financial details.
  7. Upload Documents:
    Scan and upload the necessary documents as per the instructions provided in the application form.
  8. Submit the Application:
    Once you have filled in all the details and uploaded the required documents, submit the application form.
  9. Application Review:
    PNB will review your credit card application. This process may take some time, so be patient.
  10. Wait for Approval:
    After submission, wait for the bank’s decision on your credit card application. You may receive updates via email or SMS regarding the status of your application.
  11. Receive the Card:
    If your application is approved, PNB will dispatch the RuPay Millennial Credit Card to your registered address.
  12. Activate the Card:
    Upon receiving the card, follow the instructions provided to activate it. Typically, this involves calling a specified number or using online banking services.

Frequently Asked Questions (FAQs)

1. What is the PNB RuPay Millennial Credit Card?

The PNB RuPay Millennial Credit Card is a credit card offered by Punjab National Bank (PNB) in collaboration with RuPay. It is specifically designed for the younger generation, providing a range of benefits and features tailored to the lifestyle and preferences of millennials.

2. How can I apply for the PNB RuPay Millennial Credit Card?

You can apply for the PNB RuPay Millennial Credit Card through the official website of Punjab National Bank. The application process typically involves filling out an online application form, submitting necessary documents, and meeting the eligibility criteria set by the bank.

3. What are the key features of the PNB RuPay Millennial Credit Card?

The card comes with features such as cashback on specific categories, discounts on partner merchants, reward points, and exclusive benefits tailored for millennials. Check the official website or contact PNB for the most up-to-date information on features and benefits.

4. Is there an annual fee associated with the PNB RuPay Millennial Credit Card?

Details regarding annual fees, if any, can vary. It’s recommended to refer to the official terms and conditions or contact PNB directly for the latest information on fees and charges.

5. What are the eligibility criteria for the PNB RuPay Millennial Credit Card?

Eligibility criteria may include age, income, and credit score requirements. Typically, applicants need to be within a certain age range, have a regular source of income, and meet the bank’s creditworthiness standards. Refer to the bank’s official website or contact PNB for specific eligibility requirements.

6. How can I check the status of my PNB RuPay Millennial Credit Card application?

PNB usually provides an online tracking facility for credit card applications. You can check the status by logging into your account on the official website or by contacting the customer service helpline.

7. Can I redeem the reward points earned on my PNB RuPay Millennial Credit Card?

Yes, the PNB RuPay Millennial Credit Card typically comes with a reward points program. You can redeem these points for a variety of rewards, including merchandise, gift vouchers, or discounts. The redemption process may vary, so check the terms and conditions provided by PNB.

8. How do I make payments for my PNB RuPay Millennial Credit Card?

You can make credit card payments through various channels, including online banking, mobile banking apps, ATMs, or by visiting a PNB branch. The bank provides multiple options to ensure convenient payment methods for cardholders.

9. What should I do if my PNB RuPay Millennial Credit Card is lost or stolen?

In case of loss or theft, it’s crucial to report it immediately to PNB’s customer service. The bank will guide you through the process of blocking the card to prevent unauthorized transactions and assist you in getting a replacement card.

10. How can I contact PNB for queries related to the RuPay Millennial Credit Card?

You can contact PNB’s customer service through the helpline provided on the official website. Additionally, you can visit a PNB branch in person for assistance with any queries related to the PNB RuPay Millennial Credit Card.