PNB Zaggle Twin Credit Cards
Issued by Punjab National Bank
The PNB Zaggle Co-Branded Twin Credit Card is issued by Punjab National Bank in partnership with Zaggle as a pair of cards, a RuPay Select and a VISA Platinum, under a single credit limit. One joining and annual fee covers both cards. It suits users who want both a RuPay and a Visa card from one application.
Joining fee
₹499
Annual fee
₹499
Fee waiver
Annual fee waived on spend of ₹1,50,000 in the previous year (fees plus GST)
Finance charge
35.89% p.a.
As of 9 Nov 2026, from the issuer's official website. Final terms depend on your profile.
Check eligibility & apply →Key benefits
- Two cards (RuPay Select and VISA Platinum) under a single sanction limit, for a single joining/annual fee of ₹499 + GST
- 10 reward points (valued at ₹2.50) for every ₹300 spent
- RuPay card: 8 domestic lounge visits (2 per quarter) and 2 international lounge visits per year
- RuPay card: personal accident insurance cover up to ₹10 lakh
- Credit limit range of ₹10,000 to ₹15,00,000 per PNB's Key Fact Statement
- Interest-free period of 20-50 days on retail purchases when the previous balance is paid in full
Best for
One application for a RuPay and a Visa card
Pros
- Both RuPay and Visa networks for one fee
- Lounge access and partner vouchers on the RuPay card
- Annual fee can be waived on spends
Cons
- Revolving credit costs 2.95% per month (35.89% per annum)
- If either twin card is closed, the annual fee continues on the remaining card
- Late payment fee of up to ₹750 depending on the amount due
Eligibility
- Income of ₹2,50,000 per annum
Frequently asked questions
Do I pay separate fees for the two cards?
No. PNB charges a single joining/annual fee of ₹499 + GST for both the RuPay and VISA cards. If one card is closed, the annual fee applies to the remaining card.
How can the annual fee be waived?
The annual fee is waived on spend of ₹1,50,000 in the previous year.
What is the interest rate if I carry a balance?
PNB's Key Fact Statement lists 2.95% per month, an annualised rate of 35.89% per annum, on revolving credit.
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