# PNB Zaggle Twin Credit Card

Punjab National Bank · RuPay. ₹499 fee · 3.5% forex · 10 RP/₹300 as Zagg Coins at ₹0.25.

verified · checked 14 October 2026 · Source: https://zagg.money/pnb

## How it earns (1)

- 10 RP/₹300 as Zagg Coins at ₹0.25 · verified · checked 14 October 2026

## On gift vouchers

- ₹83 back on a ₹10,000 voucher bought direct. · 10 RP/₹300 as Zagg Coins at ₹0.25
- Vouchers for Bharat Petroleum (BPCL), Acko Insurance, BYJU'S, Tanishq and 26 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (1)

- No points on wallet loads, rent, fuel, insurance, education, government, jewellery, betting and cash-like spends · brand gift vouchers earn base (PNB does not list them)

## Lounges (1)

- RuPay card: 2 domestic visits a quarter and 2 international visits a year. Visa card: 2 IRCTC railway lounge visits a quarter. · Domestic + intl (RuPay leg) / IRCTC rail (Visa leg) · domestic and international · 10 per year · checked 14 October 2026

## Fees

- Annual fee: ₹499 + GST
  Waived at ₹1,50,000 spend per year
- Forex markup: 3.5%
- DCC markup: Not published
- Earns: Zagg Coins (PNB Zaggle) · ₹0.25 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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Canonical: https://getbrief.cards/cards/pnb-zaggle-twin