{
  "id": "pnb-pnb-rupay-metal-card-luxura",
  "locale": "en",
  "name": "PNB RuPay Metal Card LUXURA",
  "bank": "Punjab National Bank",
  "cardType": "shopping",
  "cardTier": "ultra-premium",
  "annualFee": "₹9,999 + GST",
  "loungeAccess": "Unlimited Complimentary Domestic Airport Lounge access + 4 Complimentary International Airport Lounges/year via Priority Pass",
  "rewardsRate": "5X Rewards (5 pts / ₹100) on International Spends & Luxury Dining · Unlimited Domestic Lounges · ₹1 Crore Air Insurance",
  "bestFor": "High-Net-Worth Individuals (HNIs), frequent corporate travelers, luxury shoppers, and international tourists",
  "officialLink": "https://pnbcard.in/types13.html",
  "aiVerdict": {
    "score": 3.2,
    "summary": "Its modest reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹9999) erodes net rewards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "pnb-pnb-rupay-metal-card-luxura",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Punjab National Bank — PNB RuPay Metal Card LUXURA official schedule of charges and MITC",
    "NPCI RuPay Metal Program — Unlimited domestic lounges, 4 international lounges, ₹1 Cr air accident insurance & 24x7 luxury concierge"
  ],
  "feeWaiver": "Waived on annual retail spends exceeding ₹10,00,000 in previous anniversary year",
  "networks": [
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹9,999 + GST (Waived on ₹10L spend)"
    },
    {
      "key": "Card Material",
      "value": "Precision Handcrafted Metal Card"
    },
    {
      "key": "Domestic Lounges",
      "value": "Unlimited complimentary domestic airport lounge visits"
    },
    {
      "key": "International Lounges",
      "value": "4 complimentary international visits / year"
    },
    {
      "key": "Air Accidental Cover",
      "value": "₹1.00 Crore Comprehensive Air Accidental Insurance"
    },
    {
      "key": "Accelerated Rewards",
      "value": "5X Reward Points (5 pts / ₹100) on International & Luxury"
    }
  ],
  "earnRates": [
    {
      "category": "International Spends & Luxury Dining (5X)",
      "rate": "5 Points / ₹100 (1.25% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "5,000 Points (~₹1,250 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "2 Points / ₹100 (0.50% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (~₹500 value)"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "International Transactions & Dining",
      "multiplier": "5×",
      "rate": "5 Points / ₹100 (1.25%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "5 points per ₹100 on foreign currency spends and luxury restaurants."
    },
    {
      "channel": "Domestic Retail Spending",
      "multiplier": "1×",
      "rate": "2 Points / ₹100 (0.50%)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "2 points per ₹100 on all domestic retail spends."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Luxury Brand Vouchers & Flights",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel purchases (eligible for 1% surcharge waiver only).",
    "ATM cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹9,999 + GST (Includes welcome luxury gift hamper / bonus points)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹9,999 + GST (Waived on ₹10,00,000 annual spend)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "2.50% per month (30.00% per annum)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "2.00% + GST (Discounted forex rate for metal tier)",
      "warn": false
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "1% waiver on ₹500 to ₹4,000 transactions (Max ₹500/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age Requirement",
      "requirement": "21 to 65 years"
    },
    {
      "criteria": "Minimum Annual Income",
      "requirement": "₹25,00,000+ per annum (Salaried or Self-Employed HNI)"
    },
    {
      "criteria": "Credit Score (CIBIL)",
      "requirement": "750+ recommended for metal approval"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}