Pine Labs HDFC Bank Pro Credit Card

Annual fee

₹1,000 a year.₹1000 levied after 90 days of Card issuance

Joining fee

₹1,000 to join.

Fee waiver rule

First-year fee waived upon spending ₹75,000 (Non-EMI) within 90 days.

Add-on card fee

₹0

Reward rate

4 Reward Points per ₹150 · everyday spends4 Reward Points for every ₹150 spent for all E-com and POS Spends (except EMI spends, fuel and wallet load transactions)

Government spend earning

5% CashBack on Govt. and tax payments, capped at ₹250 per month

Groceries earning

Reward Points on Grocery Spends capped at 1000 points per month per customer.

Online earning

4 Reward Points (for every ₹150 spent) for all E-com and POS Spends.

Rent earning

Rent payments will not earn Reward Points /CashPoints.

Utilities earning

5% CashBack on Utility, Telecom, IRCTC, Govt. and tax payments, capped at ₹250 per month

Reward exclusions

Except EMI spends, fuel and wallet load transactions.

Reward caps

Redemption of Reward Points to Cashback Travel capped at 50,000 points per month per customer.

What one reward unit is worth

SmartBuy Travel 0.5, Airmiles 0.5, Product Catalogue Up to 0.35, CashBack 0.2 (in ₹)

Cashback redemption

CashBack 0.2

Catalogue redemption

Product Catalogue Up to 0.35

Flight redemption

SmartBuy Travel 0.5

Hotel redemption

Up to a maximum of 50% of booking value

Voucher and product redemption

CashBack can be redeemed for vouchers using Pine Labs outward pay out platform.

Point expiry

Valid only for 2 years

Airline and hotel partners points may move to

Airmiles 0.5

Domestic lounge access

8 Complimentary access to Airport Lounges across country in a calendar year (Capped at 2 visits per Quarter)

Milestone benefits

Earn 10,000 Bonus Reward Points on yearly spends of ₹5 Lakh (Non-EMI Spends)

Renewal benefit

Renewal Fee waived upon spending ₹1,00,000 (Non-EMI Spends) in the 12-month period.

Retention or continued-access criteria

Existing cardholders will continue to enjoy all current features and benefits until a replacement card is issued during migration or at the time of reissuance/replacement/renewal

Fuel surcharge waiver

1% Fuel Surcharge waived off on fuel transactions.

Surcharge on railway tickets

1%

Insurance benefit

Personal Accidental Death & Permanent Disability Cover of ₹30 Lakh.

Lost card liability

The cardmember is wholly liable for all transactions prior to reporting the loss of the card; after the bank receives proper notification of the loss, the cardmember's subsequent liability is zero.

Balance transfer terms

Balance Transfer Processing Charges: 1% of BT amount or ₹250, whichever is higher.

Purchase to EMI conversion

No Cost & Low cost EMI options.

Forex markup

3.5% on foreign currency transactions.3.50% of transaction value

Dynamic currency conversion markup

With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas

Cash advance fee

2.5% of amount withdrawn or ₹500 whichever is higher.

Cash advance interest

All cash advances also carry a finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment

Cash withdrawal limit

Cash withdrawal limit is 40% of the Credit limit.

Interest on unpaid balance

3.75% per month (i.e., 45% per annum)

Interest-free period

Up to 50 days of FREE credit period

Late payment fee

NIL for statement balance less than ₹100; ₹100 for ₹100 to ₹500; ₹500 for ₹501 to ₹5,000; ₹600 for ₹5,001 to ₹10,000; ₹800 for ₹10,001 to ₹25,000; ₹1,100 for ₹25001 to ₹50,000; ₹1,300 for more than ₹50,000.

Over-limit fee

Over-limit charge of 2.5% of the overlimit amount, subject to a minimum of ₹550, applicable on total outstanding exceeding the credit limit, basis explicit consent

Payment return or dishonour fee

2% of Payment amount subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)

Statement or duplicate statement fee

₹10 per duplicate physical statement.

Card replacement fee

₹199 for non-metal cards; ₹3,500 for metal cards.

Cash payment / cash deposit fee

₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)

Education / school fee charge

1% fee on education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; education transactions done directly through college / school websites or through POS machines at their premises, and international education transactions, will not be charged.

EMI conversion fee

Processing Fee of ₹249 (Plus GST) for SmartEMI (Transactions converted to EMI)

Fee on online skill-based gaming spends

From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month

Foreign ATM fee

Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.

Reward redemption fee

₹99 + GST per catalogue redemption request

Wallet load charge

From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month

Fuel transaction fee

1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.

Rent transaction fee

From 1st July 2025, 1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction

Utility transaction fee

1% fee on utility spends exceeding ₹50,000 per Calendar month for consumer cards; fee capped at ₹4999 per month.

GST note

GST applicable on all Fees, Charges and Interest transactions effective 1st July 2017

Minimum amount due

MAD = Total GST + EMI amount + 100% of Fees/Charges + Over-limit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) where that 5% is higher than the Finance Charge; where it is less, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance) instead. MAD at or below ₹200 is charged as ₹200; if Total Amount Due is ₹200 or lower, MAD equals it.