{"id":85423,"date":"2026-03-03T16:58:51","date_gmt":"2026-03-03T11:28:51","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85423"},"modified":"2026-03-03T16:58:56","modified_gmt":"2026-03-03T11:28:56","slug":"pnb-rupay-millennial-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/pnb-rupay-millennial-credit-card\/","title":{"rendered":"PNB Rupay Millennial Credit Card for Young Achievers"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get 300 bonus points within 90 days of card activation.<\/li>\n\n\n\n<li>Enjoy \u20b910 lakh insurance coverage benefit.<\/li>\n\n\n\n<li>Complimentary membership in a gym.<\/li>\n\n\n\n<li>Lounge access is available across domestic airports.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>You earn 2 reward points for every \u20b9150 spent and receive 300 bonus points on your first retail or online purchase within 90 days.<\/p>\n\n\n\n<p>The card also offers a complimentary gym membership, a premium health check-up package, and travel benefits, all with a low joining fee.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#pnb-rupay-millennial-credit-card-benefits\">PNB Rupay Millennial Credit Card Benefits<\/a><\/li><li><a href=\"#pnb-millennial-rupay-credit-card-charges\">PNB Millennial Rupay Credit Card Charges<\/a><\/li><li><a href=\"#what-is-pnb-rupay-millennial-credit-card-eligibility\">What Is PNB Rupay Millennial Credit Card Eligibility?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pnb-rupay-millennial-credit-card-benefits\"><strong>PNB Rupay Millennial Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-RuPay-Benefits-1024x682.jpg\" alt=\"PNB Rupay Millennial Credit Card Benefits\" class=\"wp-image-85425\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-RuPay-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-RuPay-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-RuPay-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-RuPay-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/03\/PNB-RuPay-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>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:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Get insurance protection with coverage up to \u20b910 lakh.<\/li>\n\n\n\n<li>Enjoy access to airport lounges across India and abroad.<\/li>\n\n\n\n<li>Receive a premium health check-up package at no extra cost.<\/li>\n\n\n\n<li>Avail complimentary golf rounds and relaxing spa sessions.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"pnb-millennial-rupay-credit-card-charges\"><strong>PNB Millennial Rupay Credit Card Charges<\/strong><\/h2>\n\n\n\n<p>The Millennial variant comes with a \u20b9399 joining fee and a \u20b9999 annual fee. Refer to the table below for <a href=\"https:\/\/www.pnbcard.in\/Documents\/KeyFactStatement.pdf\" target=\"_blank\" rel=\"noopener\">complete charge details<\/a>.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameter<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Finance Charges<\/td><td>2.95%\/month or 35.89%\/year.For FD, it is 1.5%\/month or 19.56%\/year.<\/td><\/tr><tr><td>Cash Advance Charges for Millennial Cards<\/td><td>2% or min. \u20b9150 (for PNB ATMs)&nbsp;2% or min. \u20b9200 (for other ATMs)&nbsp;2% or min. \u20b9300 (for overseas ATMs)&nbsp;<\/td><\/tr><tr><td>Overlimit Charges<\/td><td>2.5% or min. \u20b9500&nbsp;<\/td><\/tr><tr><td>Card Replacement Fee<\/td><td>\u20b9200\u20b9100 for cards against FD.<\/td><\/tr><tr><td>Cheque Dishonour Fee<\/td><td>\u20b9200<\/td><\/tr><tr><td>Late Payment Fee<\/td><td>Less than \u20b91000: NIL&nbsp;From \u20b91001 &#8211; above \u20b910,000, it ranges between \u20b9500 &#8211; \u20b9750.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-pnb-rupay-millennial-credit-card-eligibility\"><strong>What Is PNB Rupay Millennial Credit Card Eligibility?<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Primary applicants must be at least 21 years old.<\/li>\n\n\n\n<li>Add-on cardholders must be 18 years or older.<\/li>\n\n\n\n<li>The maximum age is 65 years, except for cards issued against fixed deposits.<\/li>\n\n\n\n<li>Applicants should be able to read and write.<\/li>\n\n\n\n<li>Minimum gross annual income required is \u20b95 lakh.<\/li>\n<\/ol>\n\n\n\n<p>\ud83d\udca1No eligibility rules apply to install <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a> 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!<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The minimum fixed deposit required for the PNB Millennial RuPay Credit Card is \u20b965,000.<\/li>\n\n\n\n<li>For staff members, the joining fee of the Millennial Credit Card is NIL and annual fee is \u20b9499.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1772536850780\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can you update your address details?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>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.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772536870740\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Can the annual fee be waived on this card?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The annual fee can be waived if you spend \u20b91 lakh or more in the previous financial year. There are no annual charges for add-on cards issued under this credit card.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1772536885017\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What are the card limit options available?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For regular cards, the PNB Rupay Millennial Credit Card limit ranges from \u20b950,000 to \u20b910,00,000. Against a fixed deposit, the limit can go up to 80% of the FD amount.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways 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 \u20b9150 spent and receive 300 bonus points on your first retail or online purchase within 90 days. The card also offers [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":85424,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85423","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85423","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85423"}],"version-history":[{"count":1,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85423\/revisions"}],"predecessor-version":[{"id":85426,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85423\/revisions\/85426"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85424"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85423"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85423"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85423"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}