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Punjab National Bank · RuPay + Visa (twin cards) · हिन्दी

PNB Zaggle Twin Credit Card: full review

The PNB Zaggle Twin Credit Card gives you a RuPay card for UPI and a Visa card on one limit for ₹499 a year. It earns about 0.83% on spends, and the RuPay card adds quarterly Flipkart, Myntra and Ola/Uber vouchers worth ₹2,400 a year plus airport lounge visits, so it pays for itself if you use those brands.

Apply now ↗Annual fee: ₹499 + GST a year
Updated November 2026 · Terms checked by Prashant Parikh
PUNJAB NATIONAL
VISA
)))
PNB ZAGGLE TWIN
ASHOK KUMAR
12/28
₹499 + GST a year (waived on ₹1,50,000 spend in the previous year)Annual fee
10 reward points per ₹300 spent (10 points = ₹2.50, so about 0.83%), on both cards in the pair; plus quarterly Flipkart, Myntra, Ola/Uber and MakeMyTrip vouchers on the RuPay cardReward structure
RuPay card: 2 domestic airport visits a quarter and 2 international a year. Visa card: 2 railway lounge visits a quarterLounge access

Key benefits of the PNB Zaggle Twin Credit Card

Twin cards on one credit limit and one bill: a RuPay Select card that links to UPI and a Visa Platinum card10 reward points per ₹300 spent, worth ₹2.50 (about 0.83%)RuPay card: ₹250 Flipkart, ₹250 Myntra and ₹100 Ola/Uber vouchers every quarter, plus a ₹1,500 MakeMyTrip voucher every quarterRuPay card: Amazon Prime or JioHotstar once a year, 3 months of Swiggy One and 3 months of Cult.fit Live once a yearRuPay card: buy one get one on BookMyShow, worth up to ₹250, once a quarterRuPay card: 2 domestic airport lounge visits a quarter and 2 international a year; personal accident cover up to ₹10 lakhVisa card: voucher up to ₹250 on the first ₹300 spend at Amazon, Swiggy, Zomato or Flipkart; 2 railway lounge visits a quarter; up to 15% off ixigo flights and hotels (up to ₹1,200, minimum ₹5,000)1% fuel surcharge waiver, up to ₹350 a billing cycleFree add-on cards
Apply now ↗ Min. income: ₹2,50,000 a year · Credit score: Not published
Pros and cons
Pros
✓ Quarterly Flipkart, Myntra and Ola/Uber vouchers alone add up to ₹2,400 a year against a ₹499 fee
✓ Airport lounge access, domestic and international, is rare at this fee
✓ RuPay for UPI and Visa for everything else, on one limit and one bill
✓ About 0.83% back on all spends, higher than most cards at this fee
Cons
✗ No first-year fee waiver, and the renewal waiver needs ₹1.5 lakh of yearly spend
✗ PNB does not publish reward exclusions, so check which spends earn points
✗ 3.5% forex markup
✗ Many of the benefits are vouchers and coupons that only help if you use those brands
Quick facts
Issuer Punjab National Bank
Network RuPay + Visa (twin cards)
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + GST a year (waived on ₹1,50,000 spend in the previous year)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹499
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → RuPay card: 2 domestic airport visits a quarter and 2 international a year. Visa card: 2 railway lounge visits a quarter
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Interest rate 2.95% per month (35.89% a year)
Fee waiver Renewal waived on ₹1,50,000 spend in the previous year; no first-year waiver
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹2,50,000 a year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not published
SourcePunjab National Bank's PNB Zaggle card page and Most Important Terms and Conditions (2 Nov 2026) · Last checked November 2026
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Frequently asked questions
The annual fee for PNB Zaggle Twin Credit Card is ₹499 + GST a year (waived on ₹1,50,000 spend in the previous year). The joining fee is ₹499.
The main benefits of the PNB Zaggle Twin Credit Card are: Twin cards on one credit limit and one bill: a RuPay Select card that links to UPI and a Visa Platinum card; 10 reward points per ₹300 spent, worth ₹2.50 (about 0.83%); RuPay card: ₹250 Flipkart, ₹250 Myntra and ₹100 Ola/Uber vouchers every quarter, plus a ₹1,500 MakeMyTrip voucher every quarter; RuPay card: Amazon Prime or JioHotstar once a year, 3 months of Swiggy One and 3 months of Cult.fit Live once a year; RuPay card: buy one get one on BookMyShow, worth up to ₹250, once a quarter; RuPay card: 2 domestic airport lounge visits a quarter and 2 international a year; personal accident cover up to ₹10 lakh; Visa card: voucher up to ₹250 on the first ₹300 spend at Amazon, Swiggy, Zomato or Flipkart; 2 railway lounge visits a quarter; up to 15% off ixigo flights and hotels (up to ₹1,200, minimum ₹5,000); 1% fuel surcharge waiver, up to ₹350 a billing cycle; Free add-on cards.
10 reward points per ₹300 spent (10 points = ₹2.50, so about 0.83%), on both cards in the pair; plus quarterly Flipkart, Myntra, Ola/Uber and MakeMyTrip vouchers on the RuPay card
PNB Zaggle Twin Credit Card is best for People who want one low-fee account with a RuPay card for UPI and a Visa card for everywhere else, plus lounge visits and quarterly vouchers worth more than the ₹499 fee. The PNB Zaggle Twin Credit Card gives you a RuPay card for UPI and a Visa card on one limit for ₹499 a year. It earns about 0.83% on spends, and the RuPay card adds quarterly Flipkart, Myntra and Ola/Uber vouchers worth ₹2,400 a year plus airport lounge visits, so it pays for itself if you use those brands.
The minimum income requirement for PNB Zaggle Twin Credit Card is ₹2,50,000 a year. The bank does not publish a minimum credit score.
Yes, PNB Zaggle Twin Credit Card offers RuPay card: 2 domestic airport visits a quarter and 2 international a year. Visa card: 2 railway lounge visits a quarter.
PNB Zaggle Twin Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Shopping Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Self-Employed →
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PNB Zaggle Twin₹499 + GST a year
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