Punjab National Bank
PNB Zaggle Twin Credit Card
This is an invite only card
Apply and get ₹825 Rewards
Top Benefits
Enjoy 8 Domestic and 2 International Airport Lounge Visits
Every Year, Plus 2 Railway Lounge Visits a Quarter
Get a 3-Month Swiggy One Membership Every Year
a welcome voucher of up to ₹250 from Amazon, Swiggy, Zomato or Flipkart, unlocked on your first purchase of ₹300 or more at any of those four
Best For
Shopping
Online Food Ordering
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹589 ( ₹499 + GST )
Annual Fees
₹589 ( ₹499 + GST )
Eligibility
Age
Criteria*
21-70 years
Salary
Criteria*
2.5LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 3-month Cult Fit “Cure Fit Live” subscription once a year
- a Prime/JioHotstar welcome benefit once a year; a 3-month Swiggy One membership once a year
- quarterly voucher block of ₹250 Flipkart, ₹250 Myntra, ₹100 Ola/Uber and ₹1,500 MakeMyTrip
- 2 railway lounge visits a quarter the ixigo offer of up to 15% off flights and hotels, capped at ₹1,200, once per card per month on a minimum ₹5,000 booking
- ₹250 BookMyShow buy-one-get-one once a quarter and GRT Jewellers discounts of ₹250 off silver orders of ₹2,500 and above and a flat 1.5% off gold orders above ₹20,000, capped at ₹1,500
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point =₹0.25
Redemption Options
- Hotel & Flight Bookings
- Movie Ticket Bookings
- Phone/DTH Recharge
- Merchandies
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an Punjab National Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an Punjab National Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
EMI Transactions
Wallet Load
Rent
Government Spends
Cash Advances
ATM Withdrawals
Jewellery
For Spends Waiver
Fuel
EMI Transactions
Wallet Load
Rent
Government Spends
Cash Advances
ATM Withdrawals
Jewellery
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 2.95% per month (35.89% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 2.95% |
ATM withdrawal 2.00% of the withdrawn amount is charged on cash advances using the credit card minimum ₹150, if applicable | 2% |
Reward Redemption Fees No fee is charged when redeeming reward points | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees No rent payment is charged | Not Applicable |
cheque Payment Fees A fee of ₹200 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹200 |
Cash Payment Fees No fee is levied for paying credit card dues in cash at a Punjab National Bank branch | Not applicable |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹1000 | ₹0 |
| ₹1001 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹600 |
| Above ₹10000 | ₹750 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹825 Rewards
Top Benefits
Enjoy 8 Domestic and 2 International Airport Lounge Visits
Every Year, Plus 2 Railway Lounge Visits a Quarter
Get a 3-Month Swiggy One Membership Every Year
a welcome voucher of up to ₹250 from Amazon, Swiggy, Zomato or Flipkart, unlocked on your first purchase of ₹300 or more at any of those four
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