Punjab National Bank -Credit Card Portal

Age Criteria :	21-70 Years
Educational Qualification :	Literate
Income Criteria :	For Salaried - Gross monthly salary of 2,50,000/- and above. For Non salaried - Annual income of Rs. 30,00,000/- and above.
Credit Card Limit :	Min - Rs. 100000/- Max. - Rs. 1500000/-* *Limit will be assigned based on the Board approved Risk Underwriting Model.
Fees :	Joining Fee - Rs. 9000 + GST # Annual Fee - Rs. 7500 + GST ## # Joining fee (excluding GST) will be reimbursed, if total spends on the card exceed ₹2.5 lakh within three billing cycles form the date of activation of card. ## Annual fee (excluding GST) will be waived if annual spends on the card exceed ₹8 lakh form the date of activation of card. Replacement Fee - Rs. 4000 + GST.

Benefits and Features

Welcome Benefits :	40,000 rewards point* on spend of Rs. 50k in 90 days
Milestone Benefits :	10,000 reward points on spend of 5 lacs annually.
Brand-Specific Reward Multiplier :	3X Reward Point on travel & dining spends.
Fuel surcharge Waiver :	Min. Rs.12.50 or 1% on single fuel transaction of amount greater than Rs.500 & less than Rs.4000/-. Maximum surcharge waiver up to Rs. 350/- within a billing cycle exclusive of service tax and other charges.
Rewards Point :	Earn 4 rewards points (Worth Rs. 1) for every Rs100/- spent.
Lounge Access :	Complementary - Domestic 2 per quarter & International 4 per year
Forex Markup :	2.50%
Hospitality Benefit :	2+1 Complimentary night ITC (Premium Hotels other than Fortune) Throughout the year, any number of times.(Except blackout dates as per the hotel) 1+1 Dinning (Set Menu) Set Menu at Signature ITC restaurants (Applicable restaurants - Peshawari/Avartana/Kebabs & Kurries/Royal Vega/DumPukht/ Yi Jing/Pan Asian/Ottimo Cucina Italiana) Throughout the year, any number of times, Max 1 per Table/Bill (Except blackout dates as per the hotel) 1+1 SPA SPA for resident customers ITC (60 Mins),Throughout the year, any number of times.

Memberships :	HoteLux Membership HoteLux operates as a high-end, member-based private travel agent, offering luxury travel experiences. HoteLux memberships are valid across luxury hotels and resorts which are as follows: Hyatt, Hilton, AMAN, Rosewood, Virtuoso, accor, Cheval Blanc, Marriot, IHG, Shangri- La, Four Seasons, The Peninsula Hotels, IHG, Mandarin Oriental etc The Elite Plus Membership includes: Complimentary breakfast Complimentary room upgrade* Early check-in* Late check-out* Replacement Fee - Rs. 4000 + GST. Up to US$200 in hotel dining & spa credits. One-time use of 1,000 and 2,000 HoteLux Points (equivalent to USD 100 and USD 200) *Subject to availability These benefits are applicable across a wide network of luxury hotels listed on HoteLux Website (https://www.hoteluxapp.com/#/).
Movie Ticket :	Buy 1 get 1 ticket up to INR 500 once a month (BMS or similar - from blocked no. of seats)
Comprehensive Insurance Coverage :	Personal Accidental Insurance: 50 Lakhs Air Accidental Insurance: 1 Cr Purchase Protection: 2 lakhs Travel Insurance (Baggage Loss 20k)
24 by 7 Concierge :	Domestic Golf Reservations, Car Rentals, and travel reservation assistance, etc. International Lost passport & lost luggage assistance, Embassy & hospital assistance etc.
Emergency Cash Concierge :	International In case of loss of wallet, cash support of $600 anywhere in globe.
Golf :	4 domestic complimentary golf lessons/rounds in a year (1 per quarter)
Visa application services (OneVasco) :	Complimentary lounge for 2 visitors (only for applicable Visa process) once per year, excluding business Visa. 15% Discount on Fast track immigration. 15% Discount on Visa concierge services.