Punjab National Bank · Premium
Metal Credit Card LUXURA on Visa
Where it ranks across all 187 cards
#19 Dining out
3.0%
direct
#24 Flights
3.0%
direct
#24 Hotels
3.0%
direct
#15 Fuel
1.0%
direct
#24 EMI
1.0%
direct
#25 Wallet load
1.0%
direct
#33 Insurance
1.0%
direct
#33 Education
1.0%
direct
#42 Utility bills
1.0%
direct
#56 Jewellery & watches
1.0%
direct
#63 Gaming
1.0%
direct
#68 Mobile / broadband
1.0%
direct
#75 Train tickets
1.0%
direct
#79 Cabs & transit
1.0%
direct
#83 Other
1.0%
direct
#84 Health & pharmacy
1.0%
direct
#87 Electronics
1.0%
direct
#96 Online shopping
1.0%
direct
#97 Food delivery
1.0%
direct
#97 Fashion
1.0%
direct
#98 Movies & events
1.0%
direct
#100 Groceries
1.0%
direct
#26 Government / tax
0.1%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
4 pts / ₹100
source
Source: PNB Metal Credit Card "LUXURA" on Visa - Fees, Eligibility, Limit - creditcard.pnb.bank.in - read 1 Oct 2026
3x points on travel and dining
3.00%this rule
12 pts / ₹100
source
Source: PNB Metal Credit Card "LUXURA" on Visa page - creditcard.pnb.bank.in - read 1 Oct 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on0 exclusions
Rare. No published exclusions on record for this card (EMI aside).
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.