Credit cards have evolved beyond simple payment tools, offering rewards and added benefits across travel, shopping and entertainment. The PNB Zaggle Credit Card combines these features with airport lounge access and lifestyle privileges through RuPay Select and Visa Platinum variants under a single credit limit. With a ₹499 annual fee, the card offers a broad set of benefits for everyday spending and travel.
PNB Zaggle Credit Card
- Joining Fee: ₹499 + applicable taxes
- Annual Fee: ₹499 + applicable taxes
- Annual Fee Waiver: Waived on annual spends of ₹1.50 lakh
- Card Network: RuPay Select + Visa Platinum
- Credit Limit: Single sanctioned credit limit for both cards
Reward Benefits
- Earn 10 Reward Points on every ₹300 spent and multiples thereof
- PNB values 10 Reward Points at ₹2.50
- Rewards are applicable on eligible retail transactions as per the card’s terms and conditions
Domestic & International Lounge Benefits
- Get 8 complimentary domestic airport lounge visits every year (2 per quarter)
- Get 2 complimentary international airport lounge visits every year
- Lounge access is available through the RuPay Select programme
Railway Lounge Benefits
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Get 2 complimentary railway lounge visits available once per quarter through the Visa Platinum variant
Lifestyle & Entertainment Benefits
- Get a 3-month Cult Fit Live subscription once every year.
- Enjoy a 3-month Swiggy One membership once every year.
- Receive a Prime/JioHotstar welcome benefit once per year.
- Get Buy 1 Get 1 movie tickets on BookMyShow worth up to ₹250 once every quarter.
- Receive a ₹250 Flipkart voucher under the applicable offer.
- Get a ₹250 Myntra voucher on eligible purchases.
- Enjoy a ₹100 Ola/Uber voucher as part of the lifestyle benefits.
- Get a ₹1,500 MakeMyTrip voucher on eligible bookings.
Travel & Shopping Benefits
- Up to 15% discount on ixigo flight and hotel bookings (maximum ₹1,200 per month; minimum transaction ₹5,000)
- Visa activation voucher worth up to ₹250 on the first eligible ₹300+ transaction
- GRT Jewellers offer: ₹250 off on silver jewellery and up to ₹1,500 discount on eligible gold jewellery purchases
Personal Accident Insurance
- Personal accident insurance cover of up to ₹10 lakh, subject to the applicable terms and conditions.
Reward Calculation: ₹15,000 Monthly Spending Example
| Parameter | PNB Zaggle Credit Card |
| Monthly Eligible Spend | ₹15,000 |
| Annual Eligible Spend | ₹1,80,000 |
| Reward Rate | 10 Reward Points per ₹300 |
| Monthly Reward Points | 500 |
| Annual Reward Points | 6,000 |
| Reward Value (10 RP = ₹2.50) | ₹1,500 |
| Annual Fee | ₹499 |
| Annual Fee Waiver | Yes (₹1.80 lakh > ₹1.50 lakh) |
| Effective Annual Fee | ₹0 |
| Illustrative Net Reward Value | ₹1,500 |
Note: This illustration assumes the entire ₹15,000 monthly spend is eligible for reward points. Actual rewards may vary depending on eligible transactions, exclusions, rounding, redemption terms and applicable card conditions. The annual fee waiver is based on the stated previous-year spending requirement of ₹1.50 lakh.
To apply for the card, visit the Official Website
Also Read: Roarbank Credit Card: Earn Up to ₹2,500 Monthly Cashback With ₹0 Annual Fee – Here’s How It Works
Who Should Consider the PNB Zaggle Credit Card?
The PNB Zaggle Credit Card could be suitable for users who want to combine travel, shopping and entertainment benefits with their regular spending. The card offers lounge access across domestic and international airports, along with reward points and multiple merchant offers. The ₹499 annual fee can also be waived on meeting the ₹1.50 lakh previous-year spending requirement.