PNB Rupay Millennial Card: Benefits & Apply

Summary

Among the several benefits the PNB RuPay Millennial Card offers are reward points, access to airport lounges, fuel surcharge exemption, and unique savings on dining, shopping, and entertainment. This chic and feature-packed credit card designed for young, tech-savvy consumers uses contactless payment technology and has a modern appearance.

Users of this card can welcome a bonus of 300 reward points on their first transaction. For every ₹100 spent on retail purchases, cardholders receive 2 reward points, making everyday spending more rewarding.  Additionally included on the card are two free domestic airport lounge passes every quarter, improving travel experiences. Furthermore, free from surcharge fees are fuel transactions between ₹500 and ₹3,000, so it guarantees savings on diesel and petrol costs.

Additionally, giving financial protection to the cardholder’s family, the Punjab National Bank RuPay Millennial Card offers accidental death insurance coverage of up to ₹2 lakh. Partnering with RuPay, the card grants access to exclusive cashback deals and discounts on platforms like Swiggy, Zomato, and online shopping portals.  It also allows contactless tap-and-pay transactions, providing seamless and safe payments.

Introduction

Designed especially with consideration for young people’s requirements and way of life, the PNB RuPay Millennial Card is a credit card. Issued by Punjab National Bank (PNB), the Punjab National Bank Rupay Millennial Card provides the new generation of the digital age several fantastic incentives and advantages. The primary goal of the Punjab National Bank Rupay Millennial Card is to give young people quick, cashless, and convenient payment options so they may readily control their daily costs and also benefit from many exclusive offers and benefits.

Users of the Millennial Card receive a lot of deals, including retail, online, travel, and entertainment. Customers can redeem cashback, discounts, and reward points as per their convenience as well. Apart from this, the  Punjab National Bank Rupay Millennial Card comes with the best security standards, which also aid in guarding users against fraud.

Its design has also been ready in line with the contemporary, savvy lifestyle of the young people so that they can better regulate their spending. Punjab National Bank Rupay Millennial Card users can additionally benefit from PNB’s robust digital networking and support system, which speeds and securely completes their payments.

We shall discuss at great length the Punjab National Bank Rupay Millennial Card in today’s article. About which we will go into great length in terms of advantages. In addition, this article will go over Punjab National Bank Rupay Millennial Card fees and go into great length on applying for it. Thus, go through this article till the very last to avoid any difficulties later.

What is the PNB Rupay Millennial Card?

Punjab National Bank (PNB) created a unique credit card, the Millennial Car, especially for young people. The Punjab National Bank Rupay Millennial Card seeks to provide a range of advantages and improved control over costs for the next generation. The PNB RuPay Millennial Card can be used for regular purchases, travel, entertainment, and internet buying.

Along with discounts and reward points, the Punjab National Bank Rupay Millennial Card entitles you to cashback. Apart from this, the PNB Rupay Millennial Card is safe and handy, so you may satisfy your wants cashless.

What is the design of the PNB Rupay Millennial Card?

Designed largely for young, tech-savvy customers, the PNB RuPay Millennial Card looks sophisticated and contemporary. The card is visually appealing, with a good polish and a clear, brilliant aspect.  RuPay branding assures legitimacy in line with the PNB logo. 

Reflecting a digital-first philosophy, the design captures innovation and simplicity.   Through tap-and-pay transactions, the card lets fast and safe purchases fit with a contactless capability, and it is lightweight and easy to carry.

What are the benefits of the PNB Rupay Millennial Card?

Its main advantages are shown here, together with actual reward points:

1. Welcome benefit: on your first purchase, earn three hundred reward points.

2. Reward Points on Spending: Get two points for every ₹100 you spend on retail purchases.

3. Dining & Shopping Offers: Take advantage of partner restaurant, fashion brand, and online store discounts.

4. Access to an airport lounge: Get two free domestic visits every quarter.

5. Fuel Surcharge Waiver: Fuel transactions between ₹500 and ₹3,000 are not additionally charged.

6. Get free accidental death insurance ranging in value from ₹2 lakh.

7. Make quick and safe purchases with just a tap using contactless payments.

8. Enjoy discounts and cashback on RuPay partner sites, including Swiggy, Zomato, and more, by exclusive RuPay Offers.

What are the PNB Rupay Millennial Card fees?

Here is a simple Punjab National Bank Rupay Millennial Card fee breakup.

Joining Fee	₹399 + GST (one-time fee when you get the card).
Annual Fee	₹399 = GST per year. This will be waived if you spend ₹50,000 or more in 90 days.
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, 3. there is a 5% per month (42% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a PNB Rupay Millennial Card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the Punjab National Bank Rupay Millennial Card.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 1,00,000 is usually the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that the approval probability is increased.

4. Your credit score plays a role in the selection process. Punjab National Bank favors borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get a PNB Rupay Millennial Card?

The documents that you will have to submit to Get a Punjab National Bank Rupay Millennial Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the PNB Rupay Millennial Card be used?

Here is the list of places where you can use it:

• With the Punjab National Bank Rupay Millennial Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Punjab National Bank Rupay Millennial Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Punjab National Bank Rupay Millennial Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the PNB Rupay Millennial Card?

The credit amount you can spend is what you are provided with a Punjab National Bank Rupay Millennial Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for one person and ₹1,00,000 for another or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a PNB Rupay Millennial Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of the Punjab National Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by the Punjab National Bank; for instance, you can choose the PNB Rupay Millennial Card.

• Just hover your cursor on the Punjab National Bank Rupay Millennial Card, followed by selecting ‘Apply Now’ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest Punjab National Bank branch to apply for the Punjab National Bank Rupay Millennial Card.

• Request for the credit card application form for the Punjab National Bank Rupay Millennial Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Punjab National Bank Rupay Millennial Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the Punjab National Bank Card website or mobile app or by calling their customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a PNB Rupay Millennial Card in 2025 be right?

Yes, getting a Punjab National Bank Rupay Millennial Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility. 

Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and have good credit, it might be a very good option in 2025.

Conclusion

The Punjab National Bank RuPay Millennial Card finally seems to be a great option for millennials who wish to ingeniously and conveniently control their spending. Apart from the simplicity of cashless payments, the Punjab National Bank Rupay Millennial Card makes your shopping and other expenses even more satisfying with so many outstanding benefits and incentives. Whether you make your purchase online, create travel plans, or spend on entertainment, the PNB Rupay Millennial Card offers you several benefits, including cashback, reward points, and discounts.  

Additionally, utilizing the Punjab National Bank Rupay Millennial Card entitles you to PNB’s strong digital and security services, which quickly and securely manage your transactions. Customers trust the Punjab National Bank Rupay Millennial Card since, based on the RuPay network, it also supports several offers and services locally.

All things considered, the Punjab National Bank RuPay Millennial card not only satisfies your financial necessities but also provides chances to keep up with the contemporary way of living. Young people who prefer simplicity in their daily activities and expect more control and rewards over their expenditure would find the Punjab National Bank Rupay Millennial card most suitable.

Frequently Asked Questions (FAQs)