Question 1

What is the annual fee on the PNB RuPay Millennial Card and how do you get it waived?

Accepted Answer

The joining fee is ₹399 plus GST and the renewal fee is ₹999 plus GST. PNB waives the renewal fee if you spend ₹1L in the previous year, which is about ₹8,333 a month. If your card spend sits below that, treat ₹999 as a real yearly cost that your rewards have to clear first.

Question 2

What is the reward rate on the PNB RuPay Millennial Card?

Accepted Answer

You earn 2 points for every ₹100 spent, and 1 point per ₹100 in the accelerated category. At roughly ₹0.25 a point, that is about 0.5% back on regular spends. On ₹10,000 of monthly spend you collect around 200 points, worth roughly ₹50.

Question 3

Does the PNB RuPay Millennial Card give free airport lounge access?

Accepted Answer

The PNB RuPay Millennial Card gives 2 complimentary domestic lounge visits a year. International lounge visits are capped at 2 a year. There is no prior spend requirement on paper, though PNB has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the PNB RuPay Millennial Card recently and is it still worth it in 2026?

Accepted Answer

No card specific cut has been announced, though PNB has been trimming rewards across its portfolio. At ₹1L of yearly spend the card returns roughly ₹250 at its general rate of about 0.25%, against a ₹999 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

Card Details

PNB RuPay Millennial Card

Earn Points

Benefits

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind