PNB RuPay Millennial Credit Card: A Financial Companion for Modern Generation

The PNB RuPay Millennial Credit Card stands out as a special offering designed especially to meet the demands and preferences of the millennial generation among the wide variety of credit cards available.Credit cards have become a crucial financial management tool in today’s fast-paced society where convenience and financial independence go hand in hand. This credit card has revolutionised the banking industry with a number of features and incentives aimed at empowering young adults.

Key Features of PNB RuPay Millennial Credit Card:

Card Type	Mid-level
Best Suited for	Lifestyle
Joining Fee	Rs. 399
Renewal Fee	Rs. 999 (waived off on spending Rs. 1 lakh in a year)
Minimum Income Requirement	Rs. 5 lakh p.a.
Best Feature	Domestic & international lounge access program

Benefits of PNB RuPay Millennial Credit Card:

Welcome Benefits:

• PNB Bank offers you an activation bonus reward point of up to 300 on this card when you swipe it for the first time for in-store or online purchases within 90 days of issuance.
• Within 90 days after getting the card, you can receive 2x reward points on purchases of physical goods and online purchases (apart from purchases of gasoline and cash withdrawals) as welcome perks.

International Lounge Access:

• Free entry to two international lounges each year

Domestic Lounge Access:

• 2 complimentary visits to domestic lounges each quarter

Digital-first Approach:

• The PNB RuPay Millennial Credit Card appeals to millennials since they favour technological advances. Users may complete secure transactions with only one tap thanks to its seamless interaction with mobile wallets and online payment systems.

Customizable Rewards:

• This credit card offers personalised rewards in recognition of the variety of millennial spending habits. By selecting areas like dining, travel, shopping, and entertainment, cardholders may make sure that their spending habits are adequately rewarded.

Financial Literacy Tools:

• The PNB RuPay Millennial Credit Card is more than just a simple instrument for transactions.
• It gives cardholders access to tools for budgeting, spending tracking, and financial literacy, enabling them to make wise financial decisions.

Low Fees and Interest Rates:

• The card is made to be inexpensive, with reasonable interest rates and yearly fees. This is in line with millennials’ preference for financial solutions free of obtrusive fees.

Secure and Contactless Transactions:

• The card makes sure that transactions are not only convenient but also safe thanks to its cutting-edge security features and contactless payment technology.

Credit Building Opportunities:

This credit card provides millennials who are trying to create credit with a stepping stone towards developing a solid credit profile, which is essential for future financial endeavours.

Travel Benefits:

• You are granted two domestic lounge visits per quarter and two foreign visits per year with this card.

Insurance benefits:

• You are entitled to complete insurance coverage up to Rs. 10 lakhs with the PNB RuPay Millennial Credit Card.

Other benefits:

• Additionally, a premium health checkup package, spa treatments, and gym membership are all gratis.
• You are entitled to complimentary golf outings with this card.
• More than 300 reward points after activation.
• Waiver of annual fees for spending Rs. 1 lakh or more per year.
• Programme for admission to domestic and international lounges.
• Free rounds of golf and spa treatments.
• Complimentary access to the gym.
• Deluxe physical examination package.
• Detailed insurance protection up to Rs. 10 lakh.

You can check more on official website of PNB.

Credit Cards that are similar to PNB RuPay Millennial Credit Card:

Credit Card	Annual Fee
PNB Rupay Millennial Credit Card	Rs. 999
HDFC Millennia Credit Card	Rs. 1,000
Axis Bank Buzz Credit Card	Rs. 750

Fee’s and Charges on Charges on PNB RuPay Millennial Credit Card:

Title	Details
Joining Fee	Rs. 399
Renewal/ Annual Fee	Rs. 999 (waived off on spending Rs. 1 lakh in a year)
Late Payment Charges	For Outstanding Balance: 1)Rs. 1,000 or less: Nil 2)Rs. 1,001 to Rs. 5,000: Rs. 500 3)Rs. 5,0001 to Rs. 10,000: Rs. 600 4)Above Rs. 10,000: Rs. 750

PNB RuPay RuPay Millennia Credit Card Reward Redemption:

• Your acquired reward points can be readily redeemed for things like movie tickets, hotel reservations, mobile/DTH recharges, and purchases of goods.
• A minimum of 500 reward points must be accumulated for the purpose of redemption.
• A reward point is worth 0.50 rupees.
• Reward points are valid for three years after the date of accrual.

Eligibility to Apply for PNB RuPay Millennial Credit Card:

To qualify for any credit card, applicants must meet certain eligibility requirements depending on their age, income, credit score, place of residence, and other variables. The following are the basic requirements that you must meet in order to be approved for the PNB RuPay Select Credit Card:

• The principal cardholder must be between the ages of 21 and 65.
• The supplemental cardholder must be between the ages of 18 and 65.
• The candidate ought to be supported financially.

Required Documents for PNB RuPay Millennial Credit Card:

• Any legitimate government-issued identification or address document is acceptable.
• A PAN Card copy.
• A photo the size of a passport.
• Latest three months’ worth of pay stubs as evidence of income for salaried people.
• Latest ITR for independent contractors.

Comparison:

PNB RuPay Millennial Credit Card v/s PNB RuPay Select Patanjali Credit Card:

	PNB RuPay Millennial credit card	PNB RuPay Select Patanjali Credit Card
Fee	Joining Fee Rs. 399 Renewal Fee Rs. 999	Joining Fee Rs. 500 Renewal Fee Rs. 750
Best Suited For	Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	For retail and online purchases, you can receive 300 additional reward points when using a card for the first time within 90 days of issuance. Within 90 days after acquiring the card, earn 2x reward points on retail purchases and online transactions (apart from cash withdrawals and petrol).	First transaction receives a 300 bonus Reward Points bonus and retail purchases made within the first 90 days earn twice as many Reward Points.

PNB RuPay Millennial Credit Card v/s PNB RuPay Global Gold Credit Card:

	PNB RuPay Millennial credit card	PNB RuPay Global Gold Credit Card
Fee	Joining Fee Rs. 399 Renewal Fee Rs. 999	Joining Fee Nil Renewal Fee Rs. 300
Best Suited For	Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	For retail and online purchases, you can receive 300 additional reward points when using a card for the first time within 90 days of issuance. Within 90 days after acquiring the card, earn 2x reward points on retail purchases and online transactions (apart from cash withdrawals and petrol).	N/A

PNB RuPay Millennial Credit Card v/s PNB RuPay Platinum Patanjali Credit Card:

	PNB RuPay Millennial credit card	PNB RuPay Platinum Patanjali credit card
Fee	Joining Fee Rs. 399 Renewal Fee Rs. 999	Joining Fee Nil Renewal Fee Rs. 500
Best Suited For	Shopping	Shopping
Reward Type	Reward Points	Reward Points
Welcome Benefits	For retail and online purchases, you can receive 300 additional reward points when using a card for the first time within 90 days of issuance. Within 90 days after acquiring the card, earn 2x reward points on retail purchases and online transactions (apart from cash withdrawals and petrol).	300 bonus Reward Points

Apply for PNB RuPay Millennial Credit Card:

Via Offline:

Obtain a physical application form from bank staff members, fill it out, and submit it along with the necessary documentation when you visit the Punjab National Bank branch that is the closest to you.

Via Online:

You can also print off the form from the PNB Card’s official wehttps://pnbcard.in/bsite, complete it with all the necessary information, and then take it to your nearby branch together with the necessary supporting documentation.

Contact PNB RuPay Millennial Credit Card:

Via Phone:

1800 180 2222 & 1800 103 2222 (Toll Free).

Via E-Mail:

care@pnb.co.in

Conclusion:

The PNB RuPay Millennial Credit Card is proof that financial products may be tailored to a certain generation’s objectives and tastes rather than just being functional. This credit card is a shining example of how financial institutions can enable millennials to take control of their financial journeys with its digital-first strategy, personalised incentives, and dedication to financial education. The PNB RuPay Millennial Credit Card may therefore be the ideal option for you if you’re a millennial looking for a credit card that truly knows your lifestyle, objectives, and ideals.

F.A.Q’s:

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