Pine Labs HDFC Bank Pro Credit Card

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.

Verified · FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards · 2026-08-04 · source

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• Cash advance fee: 2.5% of amount withdrawn or ₹500, whichever is higher.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.

Verified · Key Fact Statement (KFS) – Pine Labs HDFC Bank Pro Credit Card · 2026-08-04 · source

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).

Verified · Key Fact Statement (KFS) – Pine Labs HDFC Bank Pro Credit Card · 2026-08-04 · source

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).

Verified · FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards · 2026-08-04 · source

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).

Verified · FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards · 2026-08-04 · source

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.

Verified · FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards · 2026-08-04 · source

Reward exclusion

Verified · FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards · 2026-08-04 · source

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).

Verified · FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards · 2026-08-04 · source

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.

Verified · FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards · 2026-08-04 · source

Eligibility

• Exclusively offered for Pine Labs merchants.
• Pine Labs in partnership with HDFC Bank offers the card.

Verified · FAQ / Rewards & Program Terms – Pine Labs HDFC Bank Co-brand Credit Cards · 2026-08-04 · source

Official terms

https://www.hdfc.bank.in/credit-cards/pine-labs-pro-credit-card.

Verified · Pine Labs HDFC Bank Pro Credit Card product page · 2026-08-04 · source