Pine Labs HDFC Bank Pro Credit Card
HDFC Bank
Annual / renewal fee
₹1,000 per annum (plus applicable taxes), charged after 90 days of issuance.
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
Earn rate
- 4 Reward Points per ₹150 for all spends (except fuel, wallet load transactions, EMI transactions).
- Plus 5% cashback on business essentials like Utility, Telecom, Government and tax payments (capped at ₹500 per month).
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Pine Labs HDFC Bank Pro Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹1,000 (Excluding GST).
VerifiedKey Fact Statement (KFS) – Pine Labs HDFC Bank Pro Credit Card4 Aug 2026, 1:45 PM ISTHDFC Bank
Annual / renewal fee
₹1,000 per annum (plus applicable taxes), charged after 90 days of issuance.
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
Fee waiver
- First Year Membership fee waived on spending ₹75,000 (Non-EMI Spends) within the first 90 days.
- Renewal fee waived on spending ₹1,00,000 (Non-EMI Spends) in a 12 month period.
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
Renewal fee
₹1,000 per annum (Excluding GST).
VerifiedKey Fact Statement (KFS) – Pine Labs HDFC Bank Pro Credit Card4 Aug 2026, 1:45 PM ISTHDFC Bank
Rewards
- 4 Reward Points per ₹150 for all spends (except fuel, wallet load transactions, EMI transactions).
- Plus 5% cashback on business essentials like Utility, Telecom, Government and tax payments (capped at ₹500 per month).
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM IST
Redemption value
- Accumulated reward points redeemable for cashback @ 100 reward points = ₹50 (minimum 2,500 reward points required for cashback redemption).
- Reward Point equivalent in Rupees by category: Smartbuy Travel 0.5, Airmiles 0.5, Product Catalogue Upto 0.35, Cashback 0.2.
- Reward redemption fee of ₹99 per request applies on all redemptions.
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
Reward exclusion
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
Travel & lounge
Lounge access
- 8 complimentary Domestic Airport Lounge visits within India in a calendar year (capped at 2 visits per quarter).
- Visits exceeding the complimentary quota allowed at lounge's discretion and chargeable by the lounge.
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Gift Voucher worth ₹500 on minimum one transaction of ₹100 within 30 days from card opened date (launch offer valid till 30th September, 2022).
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
Insurance
- Personal Accident Death Cover and Permanent Disability Cover up to ₹30 Lakh total.
- Base Cover ₹5 Lacs (1 POS/E-COM transaction in last 30 days).
- Accelerated Cover I ₹10 Lacs (1 POS/E-COM transaction in last 30 days + spends greater than ₹25,000).
- Accelerated Cover II ₹15 Lacs (1 POS/E-COM transaction in last 30 days + spends greater than ₹50,000).
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
Milestone benefit
- Earn 10,000 Bonus Reward Points on annual spends of ₹5 Lacs.
- Earn 15,000 Bonus Reward Points (or additional 5,000 Bonus Reward Points) on annual spends of ₹8 Lacs (except fuel, wallet load transactions, EMI transactions).
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
Statement credit
- Launch Offer: 3% Cashback on all spends (Non-EMI Spends) till 30th September 2022, capped at ₹1500 per month (excludes wallet load, fuel spends and Pine Labs vendor payment platform).
- Plus 1% cashback on supplier payments via Pine Labs vendor payment platform (up to ₹500/month) till 30th September 2022.
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
Eligibility
Eligibility
- Exclusively offered for Pine Labs merchants.
- Pine Labs in partnership with HDFC Bank offers the card.
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
Charges & interest
Forex markup
Confirm on the official page
Official source not yet captured
Charge
- Finance charge (interest): 3.6% per month (43.2% annually) on revolving balance and cash advances.
- Cash advance fee: 2.5% of amount withdrawn or ₹500, whichever is higher.
- Fuel Transaction Surcharge: up to 1.5% (varies by fuel station/acquiring bank).
- Railway Ticket Purchase Fee: ₹30 + 2.5% of transaction amount (HDFC Bank Payment Gateway: 1.8% + Service Tax; other Bank's Payment Gateway: rate as per IRCTC website).
- Cash withdrawal limit: 40% of credit limit.
- Late Payment Charges (Ex GST): Less than ₹100 - NIL.
- ₹100 to ₹500 - ₹100.
- ₹501 to ₹5,000 - ₹500.
- ₹5,001 to ₹10,000 - ₹600.
- ₹10,001 to ₹25,000 - ₹800.
- ₹25,001 to ₹50,000 - ₹1,100.
- More than ₹50,000 - ₹1,300.
- Reward redemption fee: ₹99 per request.
- Supplier/vendor payment interest: 1% flat on transaction amount.
VerifiedKey Fact Statement (KFS) – Pine Labs HDFC Bank Pro Credit Card4 Aug 2026, 1:45 PM ISTHDFC Bank
Fuel surcharge waiver
1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum Cashback of ₹250 per statement cycle).
VerifiedFAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards4 Aug 2026, 1:45 PM ISTHDFC Bank
Interest-free period
Extended interest free credit period up to 50 days for all purchases (not applicable if previous month's balance is not cleared in full or if cash has been availed from ATM).
VerifiedKey Fact Statement (KFS) – Pine Labs HDFC Bank Pro Credit Card4 Aug 2026, 1:45 PM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Pine Labs HDFC Bank Pro Credit Card?
Officially traced: Rs. 1,000 per annum (plus applicable taxes), charged after 90 days of issuance.
FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit CardsWhat is the joining fee on the Pine Labs HDFC Bank Pro Credit Card?
Officially traced: Rs. 1,000 (Excluding GST).
Key Fact Statement (KFS) – Pine Labs HDFC Bank Pro Credit CardIs the Pine Labs HDFC Bank Pro Credit Card annual fee ever waived?
First Year Membership fee waived on spending Rs. 75,000 (Non-EMI Spends) within the first 90 days.
FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit CardsHow does the Pine Labs HDFC Bank Pro Credit Card earn rewards?
4 Reward Points per Rs.150 for all spends (except fuel, wallet load transactions, EMI transactions).
FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit CardsWhat lounge access does the Pine Labs HDFC Bank Pro Credit Card include?
8 complimentary Domestic Airport Lounge visits within India in a calendar year (capped at 2 visits per quarter).
FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit CardsWhat welcome benefit does the Pine Labs HDFC Bank Pro Credit Card offer?
Gift Voucher worth Rs.500 on minimum one transaction of Rs.100 within 30 days from card opened date (launch offer valid till 30th September, 2022).
FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit CardsWhat are the transfer ratios for Pine Labs HDFC Bank Pro Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/credit-cards/pine-labs-pro-credit-card.
VerifiedPine Labs HDFC Bank Pro Credit Card product page4 Aug 2026, 1:45 PM ISTHDFC Bank
Verified 2026-08-04 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.