What if you could get two credit cards under one credit card account and one shared credit limit?
The PNB Zaggle Twin Credit Card combines a RuPay card and a Visa card, giving cardholders the flexibility of using RuPay for eligible UPI payments while benefiting from Visa’s wider acceptance across domestic and international merchants.
The card also offers 10 Reward Points for every ₹300 spent on eligible transactions, along with a range of travel, entertainment, shopping and lifestyle benefits.
From airport lounge access and MakeMyTrip vouchers to BookMyShow, OTT, Swiggy, Myntra and Flipkart benefits, the card is designed for customers who want multiple benefits from a single credit-card relationship.
PNB Zaggle Twin Credit Card – Key Highlights
| Feature | Details |
|---|---|
| Card Network | 1 RuPay + 1 Visa card |
| Credit Limit | One shared credit limit |
| Reward Rate | 10 Reward Points per ₹300 spent |
| Reward Point Value | ₹0.25 per point |
| Joining Fee | ₹499 + applicable GST |
| Annual Fee | ₹499 + applicable GST |
| RuPay Lounge Access | 2 domestic visits/quarter + 2 international visits/year |
| RuPay Travel Voucher | ₹1,500 MakeMyTrip voucher every quarter |
| Fuel Surcharge Waiver | 1% on eligible fuel transactions |
| Minimum Salaried Income | ₹21,000/month |
| Credit Score | 700+ salaried / 750+ self-employed |
Two Cards, One Shared Credit Limit
The standout feature of the PNB Zaggle Twin Credit Card is its two-card setup.
You receive:
- One RuPay credit card
- One Visa credit card
- One credit-card account
- One shared credit limit
This gives you the flexibility to choose the appropriate card depending on where you are making a payment.
The RuPay card can be useful for eligible UPI payments, while the Visa card provides broader acceptance across merchants in India and internationally.
Instead of managing two separate credit limits, both cards operate under the same shared credit limit.
Earn 10 Reward Points on Every ₹300 Spent
The PNB Zaggle Twin Credit Card offers 10 Reward Points for every ₹300 spent on eligible transactions.
Each Reward Point has a redemption value of ₹0.25.
This means regular card spending can help you accumulate reward points that can subsequently be redeemed according to the applicable redemption options and terms.
For customers who frequently use their credit card for eligible purchases, the rewards structure can add extra value to everyday spending.
RuPay Card Travel Benefits
The RuPay side of the PNB Zaggle Twin Credit Card comes with several travel benefits.
₹1,500 MakeMyTrip Voucher Every Quarter
Eligible RuPay cardholders can receive a ₹1,500 MakeMyTrip voucher every quarter, subject to the applicable conditions.
That’s potentially up to ₹6,000 worth of vouchers in a year if all quarterly benefits are availed.
Domestic Airport Lounge Access
The RuPay card provides 2 domestic airport lounge visits per quarter.
This can be useful for frequent domestic travelers looking to add lounge access to their travel experience.
International Airport Lounge Access
Cardholders can also get 2 international airport lounge visits per year through the RuPay benefit.
Lounge access is subject to the applicable eligibility and usage conditions.
Visa Travel Benefits
The Visa card comes with a different set of travel-related benefits.
Up to 15% OFF on ixigo
Eligible cardholders can get up to 15% OFF on ixigo flights and hotels, once per card per month.
The discount is capped at ₹1,200 and is subject to the applicable offer terms.
Railway Lounge Access
The Visa card also provides 2 railway lounge visits per quarter when the cardholder spends ₹30,000 in the previous quarter, subject to applicable conditions.
For customers who regularly travel by train, this can complement the airport lounge benefits available through the RuPay card.
Movie, OTT and Entertainment Benefits
The PNB Zaggle Twin Credit Card isn’t limited to travel rewards. It also provides several entertainment benefits.
Buy 1 Get 1 Movie Tickets on BookMyShow
RuPay cardholders can get Buy 1 Get 1 movie tickets on BookMyShow, with a benefit of up to ₹250 once every quarter.
12-Month OTT Subscription
The card also includes a 12-month OTT subscription covering JioHotstar and Amazon Prime Video, subject to the applicable terms.
Cult.Fit + Cure.Fit Live Membership
Cardholders can also enjoy a 3-month Cult.Fit + Cure.Fit Live membership once every year.
These benefits can make the card more attractive for customers who regularly spend on entertainment and lifestyle services.
Swiggy One, Myntra, Flipkart and Cab Benefits
The RuPay card also provides a selection of recurring shopping and lifestyle benefits.
Cardholders can receive:
- 3-month Swiggy One membership once every year
- ₹250 Myntra voucher once every quarter
- ₹250 Flipkart voucher once every quarter
- ₹100 Ola/Uber voucher once every quarter
For users who regularly shop online, order food or use cab services, these benefits can provide additional savings throughout the year.
Visa Welcome Voucher
The Visa card provides a ₹250 welcome voucher on the first transaction.
Available voucher options include brands such as:
- Amazon
- Swiggy
- Zomato
- Flipkart
The applicable voucher and redemption conditions may vary according to the offer terms.
Jewellery Benefits at GRT Jewellers
The Visa card also provides benefits on eligible jewellery purchases at GRT Jewellers.
Customers can receive:
- ₹250 OFF on silver jewellery purchases of ₹2,500 or more
- 1.5% OFF on gold jewellery purchases above ₹20,000
These offers are subject to the applicable terms and conditions.
1% Fuel Surcharge Waiver
The PNB Zaggle Twin Credit Card offers a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹4,000.
The maximum waiver is capped at ₹350 per billing cycle.
For customers who regularly use their credit card for eligible fuel transactions, this can provide additional savings.
PNB Zaggle Twin Credit Card Fees
The card has the following charges:
| Fee | Amount |
|---|---|
| Joining Fee | ₹499 + applicable GST |
| Annual Fee | ₹499 + applicable GST |
Unlike a lifetime-free card, this card has both a joining fee and an annual fee. Therefore, prospective applicants should compare the recurring fee against the value of the travel, shopping, entertainment and reward benefits they expect to use.
PNB Zaggle Twin Credit Card Eligibility
The stated eligibility criteria include:
Age
Applicants should be between 25 and 50 years of age.
Employment
Both:
- Salaried individuals
- Self-employed individuals
can apply, subject to the issuer’s eligibility criteria.
Salaried Income
The stated minimum income requirement is ₹21,000 per month.
Self-Employed Income
Self-employed applicants should have an ITR above ₹2,50,000 per annum.
Credit Score
The stated credit score requirements are:
- 700+ for salaried applicants
- 750+ for self-employed applicants
Meeting these criteria does not necessarily guarantee approval, as final eligibility is subject to the issuer’s assessment.
Documents Required
Applicants may need to provide the following documents:
Identity Proof
- PAN Card
- Form 60
Address Proof
Any eligible document such as:
- Aadhaar
- Passport
- Utility bills
Income Proof
Depending on employment type, applicants may be asked for:
- Bank statements
- Salary slips
- Other applicable income documents
The exact documents required can depend on the application and verification process.
Who Should Consider the PNB Zaggle Twin Credit Card?
The card may be worth considering if you fall into one of these categories.
Frequent Travelers
With domestic and international airport lounge access, a MakeMyTrip voucher and ixigo discounts, frequent travelers can potentially extract significant value from the travel benefits.
UPI Users
The RuPay card provides the flexibility of eligible UPI payments, making the twin-card setup particularly interesting for users who frequently use UPI.
Online Shoppers
Amazon, Myntra and Flipkart-related benefits can be useful for customers who regularly shop online.
Entertainment Users
BookMyShow, OTT subscriptions and Cult.Fit benefits add value for users who frequently spend on entertainment and lifestyle services.
Users Who Want Visa + RuPay
If you want the flexibility of two payment networks under one credit-card account, the PNB Zaggle Twin Credit Card offers a distinctive proposition.
How to Apply for PNB Zaggle Twin Credit Card?
If the benefits and eligibility requirements match your profile, you can proceed with the application online.
Step 1: Click on Apply Now
Click the Apply Now button available on this page.
Step 2: Check Your Eligibility
Review the age, income and credit-score requirements before proceeding.
Step 3: Submit Your Details
Provide the required personal, employment and income information during the application process.
Step 4: Complete Verification
Submit the required documents and complete the issuer’s verification process.
Interested in getting both Visa and RuPay benefits under one account?
Is the PNB Zaggle Twin Credit Card Worth Considering?
The PNB Zaggle Twin Credit Card stands out because it combines two payment networks—Visa and RuPay—under a single credit-card account with one shared credit limit.
Its benefits cover multiple categories, including UPI, travel, airport lounges, movies, OTT subscriptions, shopping, food delivery, cab services and fuel.
The card does come with a ₹499 + applicable GST joining fee and ₹499 + applicable GST annual fee, so it makes the most sense for users who can actually use enough of the available benefits to offset these costs.
Frequent travelers and customers who regularly use BookMyShow, OTT platforms, online shopping and UPI may find the combination particularly useful.
Before applying, review the latest offer terms, spending requirements, exclusions and redemption conditions to determine whether the card fits your spending pattern.
Frequently Asked Questions
1. What is the PNB Zaggle Twin Credit Card?
It is a credit card offering one RuPay card and one Visa card under a single credit-card account with a shared credit limit.
2. Can I use the RuPay card for UPI payments?
Yes, the RuPay card provides the flexibility of eligible UPI payments, subject to the applicable UPI and card terms.
3. How many reward points can I earn?
You can earn 10 Reward Points for every ₹300 spent on eligible transactions.
4. What is the value of one Reward Point?
Each Reward Point is valued at ₹0.25 for redemption, subject to applicable redemption terms.
5. Does the card offer airport lounge access?
Yes. The RuPay card offers 2 domestic airport lounge visits per quarter and 2 international lounge visits per year. The Visa card also offers 2 railway lounge visits per quarter, subject to the required spending condition.
6. Does the card offer a MakeMyTrip voucher?
Yes. The RuPay card provides a ₹1,500 MakeMyTrip voucher every quarter, subject to applicable conditions.
7. Does the card offer BookMyShow benefits?
Yes. Eligible RuPay cardholders can get Buy 1 Get 1 movie tickets on BookMyShow, worth up to ₹250 once every quarter.
8. What is the joining fee?
The joining fee is ₹499 + applicable GST.
9. What is the annual fee?
The annual fee is ₹499 + applicable GST.
10. What is the minimum income required for salaried applicants?
The stated minimum salaried income is ₹21,000 per month.
11. What credit score is required?
The stated requirement is 700+ for salaried applicants and 750+ for self-employed applicants.
12. Can self-employed individuals apply?
Yes. Self-employed individuals can apply if they meet the applicable eligibility criteria, including the stated ITR above ₹2,50,000 per annum requirement.
Final Verdict
The PNB Zaggle Twin Credit Card is built around a simple but distinctive proposition: two cards, Visa and RuPay, with one shared credit limit.
Along with 10 Reward Points per ₹300 spent, cardholders can access a broad collection of benefits covering airport lounges, MakeMyTrip, ixigo, BookMyShow, OTT subscriptions, Swiggy, Myntra, Flipkart, fuel and more.
The card isn’t lifetime-free—the ₹499 + applicable GST joining and annual fees need to be considered—but frequent travelers and active lifestyle spenders may be able to make meaningful use of its benefits.
If the Visa + RuPay combination and benefits fit your spending habits, check your eligibility and proceed with the application by clicking Apply Now.
Disclaimer: Credit card approval, rewards, lounge access, vouchers, discounts, spending requirements and other benefits are subject to the issuer’s eligibility criteria, terms, conditions, exclusions and applicable offers. Fees are subject to applicable GST. Benefits and offers may change from time to time. Please verify the latest terms before applying.
