PNB Zaggle Twin Credit Card
Punjab National Bank · Checked 2026-10-11
PNB Zaggle Twin Credit Card is a paid card focused on reward points, RuPay UPI payments and travel benefits, charging ₹499 annually before GST.
CardIQ editorial view
Our take
PNB Zaggle Twin Credit Card is a paid card focused on reward points, RuPay UPI payments and travel benefits, charging ₹499 annually before GST.
Who it suits
- People who prioritise reward points.
- People who prioritise RuPay UPI payments.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- Partner rewards and network benefits on eligible personal purchases.
Trade-offs to understand
- Partner rewards and network benefits on eligible personal purchases; issuer and partner caps, exclusions and redemption rules apply.
- The ₹499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes partner rewards and network benefits on eligible personal purchases valuable enough to clear the fee. Factor in this condition: Partner rewards and network benefits on eligible personal purchases; issuer and partner caps, exclusions and redemption rules apply.
Compare before deciding
- CRED IndusInd Bank RuPay — A similarly priced alternative for comparing reward points and travel benefits.
- Paytm SBI Card — A similarly priced alternative for comparing reward points and travel benefits.
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Benefits, limits and conditions
- Partner rewards and network benefits on eligible personal purchases; issuer and partner caps, exclusions and redemption rules apply.
- The regulated issuing bank, not the fintech partner, approves and issues this credit card.
- Confirm current acquisition offers and fees before applying.