RuPay Ekaa, the new super-premium variant from RuPay, has been creating strong buzz in the Indian credit card market, especially among high-net-worth individuals. Positioned to compete with international networks like Visa Infinite, RuPay Ekaa promises top-tier lifestyle, travel, and luxury benefits.
In a significant development, Punjab National Bank is set to launch its first-ever RuPay Ekaa Credit Card, called the PNB Luxura RuPay Ekaa Credit Card. This move marks an important milestone for the RuPay network as it steps deeper into the ultra-premium credit card segment.
PNB Luxura RuPay Ekaa Credit Card Overview
The PNB Luxura RuPay Ekaa Credit Card is expected to be launched with a joining fee of ₹9,000 + GST and an annual fee of ₹7,500 + GST, making it one of the more affordable entry points into the RuPay Ekaa ecosystem.
With a mix of premium travel privileges, lifestyle benefits, and reward-focused features, this card aims to attract high spenders looking for a homegrown premium alternative.
Features and Benefits of PNB Luxura RuPay Ekaa Credit Card
Below are the key benefits expected on the upcoming PNB Luxura RuPay Ekaa Credit Card.
Welcome Benefits
Cardholders can earn 40,000 reward points by spending ₹50,000 within the first 90 days of card issuance.
Hotel and Stay Benefits
Enjoy a 2+1 complimentary night stay at ITC Hotels, subject to blackout dates.
Resident guests can also avail Buy 1 Get 1 spa sessions of 60 minutes at ITC Hotels.
Dining Privileges
Get Buy 1 Get 1 offers on set menus at select ITC restaurants, making premium dining more rewarding.
HoteLux Elite Plus Membership
The card includes HoteLux Elite Plus Membership, offering free breakfast, room upgrades, early check-in or late check-out, hotel credits up to $200, and redeemable HoteLux points worth $100–$200 across leading luxury hotel brands.
Movie and Entertainment Offers
Enjoy Buy 1 Get 1 free movie tickets up to ₹500 once every month via BookMyShow or similar platforms.
Golf and Lifestyle Benefits
Cardholders receive 4 complimentary domestic golf rounds per year, adding value for golf enthusiasts.
Insurance and Protection Coverage
The card offers a personal accident cover of ₹50 lakh, air accident cover of ₹1 crore, and travel insurance with baggage loss coverage up to ₹20,000.
Purchase protection is available for transactions up to ₹2 lakh.
Reward Structure
Earn 4 reward points per ₹100 spent, with each point valued at ₹1.
Accelerated 3X rewards are expected on travel and dining spends.
An additional 10,000 bonus points are awarded on annual spends of ₹5 lakh.
Airport Lounge and Travel Convenience
The card offers 2 domestic airport lounge visits per quarter.
It also includes select premium travel services such as lounge access for two once per year and discounts on fast-track immigration and concierge services through partner platforms.
Forex Charges
International transactions attract a 2.5% forex markup, which is in line with most premium cards in this segment.
Bottom Line
Punjab National Bank is not traditionally known for premium credit card offerings, but the upcoming PNB Luxura RuPay Ekaa Credit Card clearly signals a shift in strategy. With strong hotel partnerships, lifestyle privileges, reward earnings, and competitive pricing, this card could emerge as a compelling option in the super-premium RuPay segment.
If executed well, it may attract users who want premium benefits without relying on international card networks.