Complimentary Domestic and International Lounge access
50% discount on movie tickets and food combos at BookMyShow
247 Concierge services for flight and hotel bookings
Annual fee waiver on achieving spending milestone
Earns rewards on utility bill payments (50 points on e-bill registration rate)
Complimentary lounge access with no minimum spend requirement
Cons
The base reward rate of 2 points per ₹100 is low for this segment, and critically, the card lacks any accelerated reward categories for common spends like online shopping, dining, or groceries.
The welcome bonus of just 300+ reward points is negligible compared to the ₹1,500 joining fee, offering very poor initial value.
Reward redemption is limited to the proprietary 'PNB Rewards Website', lacking more flexible and valuable options like direct statement credit or air-mile transfers which are standard in this category.
Annual fee of ₹2,000 requires ₹20,000+ annual spend to justify
Best Use Case
Individuals seeking premium lifestyle benefits like complimentary lounge access, movie discounts, and concierge services, with a high spending capacity.