PNB Zaggle Twin Credit Card

RuPay / UPI✈ Lounge access

Two Cards, One Account: Visa And RuPay On A Single Credit Limit
₹499 Joining Fee, Waived On ₹1.5 Lakh Annual Spend
RuPay Variant Adds Airport Lounge Access Plus ₹10 Lakh Accident Cover

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Is the PNB Zaggle Twin Credit Card worth it?

The PNB Zaggle Twin Credit Card is a RuPay card you can link to UPI from PNB / Zaggle. It suits everyday UPI payments where you want to pay on credit and still earn rewards. For this card specifically, it includes airport lounge access. Think twice if you need wide international acceptance (RuPay is mainly domestic).

Headline benefit: Two Cards, One Account: Visa And RuPay On A Single Credit Limit.

Featured in🌱 first credit cards for beginners ✈️ travel credit cards with lounge access 📲 RuPay credit cards for UPI

Before you apply ✅

Link it in your UPI app to pay by QR on credit — small payments may earn lower or no rewards.
Most unsecured cards want a CIBIL score around 750+ — check yours first.
Confirm the current fee and waiver terms on PNB / Zaggle's own page before you apply.
Apply for one card at a time — each application is a hard enquiry on your credit report.