PNB RuPay Millennial Credit Card
Annual Fee
₹499
Rewards/₹100 ⓘ
₹0.25 - ₹0.50
Interest Rate
35.40%
Credit Score
680+
At a Glance
Key Benefits
1-2 RP per Rs.100, 2x on online/entertainment, Rs.1L insurance, UPI credit line
Lounge Access
No lounge access available
Eligibility
Age: 21-35 years, Monthly income: Rs.15,000+, CIBIL: 680+
Quick Details
Reward Structure
All Spends
Online Shopping
Entertainment
Reward Calculator
Milestone Benefits
Annual fee waiver on spending Rs.50,000 in previous year
Spend ₹50,000 within 365 days
value
Insurance Coverage
Accident
₹1,00,000
Accidental death or permanent disability coverage
Lost Card
₹25,000
Lost card liability protection
Lifestyle Perks
Fuel
1 /month
1% fuel surcharge waiver on Rs.500-Rs.3,000 transactions
Other
1
UPI credit line - link to UPI apps for seamless payments
Other
1
NCMC functionality for metro, bus and transit payments
Quick Analysis
PNB RuPay Millennial is tailored for young professionals starting their credit journey. With easy eligibility, low fees, and bonus rewards on online spends, it is ideal for millennials who prefer digital payments.
Pros
- Low annual fee of Rs.499 (waived on Rs.50K spend)
- Designed specifically for millennials (21-35 years)
- 2x rewards on online shopping and entertainment
- RuPay network with UPI credit line support
- 1% fuel surcharge waiver
- Easy fee waiver with Rs.50K annual spend
- NCMC functionality for transit payments
- Lower income requirement (Rs.15K/month)
- Contactless payment enabled
Cons
- No airport lounge access
- Lower credit limit (max Rs.2 lakh)
- Age restriction (21-35 years only)
- Basic reward rate on non-bonus categories
- 3.5% forex markup
- High APR of 35.4% per annum
- Limited premium benefits
- Only 1 add-on card allowed
Best For
Young professionals, millennials, online shoppers, students
Not Ideal For
Travelers, premium seekers, those above 35 years
Frequently Asked Questions
What is the age limit for PNB RuPay Millennial?
What are the fees?
What are the bonus reward categories?
Can I use this card with UPI?
What is the credit limit range?
User Reviews
Ready to Apply for PNB RuPay Millennial Credit Card?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.
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