PNB Rupay Millennial Credit Card for Young Achievers

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

3 Mar 26
3 mins

Shreyansh Singh

08 Mins
03-03-26

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Table of Contents

PNB Rupay Millennial Credit Card Benefits
PNB Millennial Rupay Credit Card Charges
What Is PNB Rupay Millennial Credit Card Eligibility?

Get 300 bonus points within 90 days of card activation.
Enjoy ₹10 lakh insurance coverage benefit.
Complimentary membership in a gym.
Lounge access is available across domestic airports.

Millennials seek fitness, travel and smart spending in one package. The PNB RuPay Millennial Credit Card answers those needs with lifestyle-focused perks and strong rewards.

You earn 2 reward points for every ₹150 spent and receive 300 bonus points on your first retail or online purchase within 90 days.

The card also offers a complimentary gym membership, a premium health check-up package, and travel benefits, all with a low joining fee.

PNB Rupay Millennial Credit Card Benefits

Built for young achievers, the Millennial PNB RuPay Credit Card fits modern lifestyles. It includes a free gym membership and more exciting benefits as follows:

Get insurance protection with coverage up to ₹10 lakh.
Enjoy access to airport lounges across India and abroad.
Receive a premium health check-up package at no extra cost.
Avail complimentary golf rounds and relaxing spa sessions.

PNB Millennial Rupay Credit Card Charges

The Millennial variant comes with a ₹399 joining fee and a ₹999 annual fee. Refer to the table below for complete charge details.

Parameter	Charges
Finance Charges	2.95%/month or 35.89%/year.For FD, it is 1.5%/month or 19.56%/year.
Cash Advance Charges for Millennial Cards	2% or min. ₹150 (for PNB ATMs) 2% or min. ₹200 (for other ATMs) 2% or min. ₹300 (for overseas ATMs)
Overlimit Charges	2.5% or min. ₹500
Card Replacement Fee	₹200₹100 for cards against FD.
Cheque Dishonour Fee	₹200
Late Payment Fee	Less than ₹1000: NIL From ₹1001 - above ₹10,000, it ranges between ₹500 - ₹750.

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What Is PNB Rupay Millennial Credit Card Eligibility?

Primary applicants must be at least 21 years old.
Add-on cardholders must be 18 years or older.
The maximum age is 65 years, except for cards issued against fixed deposits.
Applicants should be able to read and write.
Minimum gross annual income required is ₹5 lakh.

💡No eligibility rules apply to install the Pice App on your smartphone. Download it to receive due date reminders, track payment status, and pay credit card bills through the app quickly and without hassle, every month!

Footnotes

The minimum fixed deposit required for the PNB Millennial RuPay Credit Card is ₹65,000.
For staff members, the joining fee of the Millennial Credit Card is NIL and annual fee is ₹499.

FAQs

How can you update your address details?

Primary cardholders can request changes through the call centre, bank website or by writing to the processing centre. Approval requires matching CBS records or verified supporting documents.

Can the annual fee be waived on this card?

The annual fee can be waived if you spend ₹1 lakh or more in the previous financial year. There are no annual charges for add-on cards issued under this credit card.

What are the card limit options available?

For regular cards, the PNB Rupay Millennial Credit Card limit ranges from ₹50,000 to ₹10,00,000. Against a fixed deposit, the limit can go up to 80% of the FD amount.