| Card Type |
MasterCard or RuPay |
RuPay |
| Eligibility |
Higher income or premium account holders |
Quarterly average balance ₹50,000 or more |
| Annual Fee |
₹500 (waived if used once per quarter) |
₹800 (waived if used once per quarter) |
| ATM Withdrawal Limit |
₹50,000/day |
₹1,50,000/day |
| POS/E-commerce Limit |
₹1,25,000/day |
₹5,00,000/day |
| Contactless Payments |
Yes |
Yes |
| Lounge Access |
None |
Up to 4 domestic + 2 international visits/year |
| Insurance Coverage |
Personal accident cover up to ₹10 lakh |
Personal accident cover up to ₹10 lakh |
| Concierge Services |
No |
Yes, 24/7 |
| Fitness & Wellness |
No |
Gym memberships, health check-ups, spa, golf |
| OTT & Entertainment |
No |
Complimentary OTT subscriptions and cab coupons |
| Cashback Offers |
20% discount on Amazon recharges (up to ₹100/month) |
Exclusive cashback in utility bills, eateries, and restaurants |
| Merchant Offers |
Yes |
300+ merchant offers |
| Mobile App |
PNB Genie App |
PNB Genie App |
| Global Acceptance |
Yes |
Yes |
