shopping
PNB Zaggle Twin Credit Cards
Dual Visa and RuPay cards under one account, sharing lounge access and quarterly travel vouchers.
Annual Fee
₹499 (Joining ₹499; waived on ₹1.5L spend/year)
Rewards
10 RP/₹300 (redeemed as Zagg Coins; 1 Coin = ₹0.25)
Lounge Access
2 domestic/quarter + 2 international/year (RuPay variant); 2 IRCTC railway lounge visits/quarter (Visa variant)
Fuel Waiver
1% (₹400-4,000, capped ₹350/statement cycle)
Milestone
None
Best For
Users wanting UPI convenience plus Visa's global acceptance in one account
Welcome Offer
₹250 welcome voucher on Visa card activation
Type
Shopping
Description
A unique twin-card product co-branded with fintech Zagg.money, issuing two physical cards — one Visa, one RuPay — under a single account with a shared credit limit and one monthly statement. Earns 10 reward points per ₹300 spent, redeemable as Zagg Coins (1 Coin = ₹0.25). Joining and annual fee ₹499 each, waived on ₹1.5L spend in the previous year. The RuPay variant includes 2 domestic and 2 international lounge visits, ₹10L personal accident insurance, and quarterly Flipkart/MakeMyTrip vouchers plus Swiggy and Cult.fit memberships. The Visa variant adds 2 IRCTC railway lounge visits per quarter, Ixigo travel discounts, and GRT Jewelers offers. Includes a 1% fuel surcharge waiver.
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