PNB Luxura Visa Infinite Credit Card
Four points per ₹100 eligible purchase, worth ₹1 per complete ₹100 before one redemption fee and ₹1,999 annual card fee.
Try your spend →How this estimate works
PNB Luxura Visa Infinite product page lists four points per complete ₹100 spent, worth ₹1 per ₹100 at ₹0.25 per point. Eligibility is ₹1.5 lakh gross monthly salary or ₹18 lakh annual nonsalaried income; a secured route needs ₹1.5 lakh fixed deposit, with its capital cost omitted. Its point value is confirmed by both the Luxura page and PNB’s 2024 point-value notice. The current MITC requires 1,000 points for a redemption and charges ₹99 plus GST for each claim. This model projects one eligible purchase repeated monthly. If projected points reach 1,000 in a year, it deducts one estimated ₹116.82 claim fee from their annual value; below that threshold one-year usable rewards show as zero. PNB Luxura Visa page lists ₹4,999 joining fee, ₹1,999 annual fee plus GST, and annual fee waiver on ₹6 lakh annual spend. This recurring ROI deducts the annual fee and estimated GST without presuming waiver; the first-year joining fee and welcome points are omitted. The 3X travel/dining points and milestones are not assumed from a generic merchant chip. Fuel, utilities and special merchant routes are not valued without exact merchant classification. Points expire after three years, and longer accumulation is not assumed.
Issuer terms
PNB Luxura Visa Infinite card benefits · PNB point value notice · PNB redemption minimum and claim fee · PNB Luxura Visa Infinite fees and rewards
Terms checked 29 September 2026. Verify your variant and statement before applying.