Fees & charges
| Joining fee | Not stated on HDFC's page |
|---|---|
| Annual / renewal fee | ₹499 + applicable taxes (membership fee, levied after 90 days if card not activated per sign-up terms) |
| Renewal-fee waiver | ₹45,000/year (annual non-EMI spends) |
| Network | Not stated Not stated on HDFC's page |
Rewards & benefits
| Reward rate | Not stated on HDFC's page |
|---|---|
| Welcome benefit | Not stated on HDFC's page |
| Lounge access | Not stated on HDFC's page |
| Key benefits | Co-branded card offered exclusively for Pine Labs merchants; up to 50-day interest-free credit period; annual/membership fee waivable on ₹45,000 non-EMI annual spends |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | not accepting new applications |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹ 499MITC v4.3, fee table L566-575 | NOT STATED | • |
| Fee waiver (min spend) | ₹45,000 within 90 days for 1st year membership fee and 50,000 / Annum for renewal feeMITC v4.3, fee table L566-575 | ₹45,000/year (annual non-EMI spends) | ✓ |
| Fuel surcharge waiver | 1% fuel surcharge waiver on minimum transaction of ₹400 & maximum transaction of ₹5000. Maximum waiver of ₹250 per statement cycleMITC v4.3, fee table L566-575 | NOT STATED | • |
| Forex markup | 3.5%MITC v4.3, fee table L566-575 | NOT STATED | • |
| Reward rate | Not in MITC (product term) | NOT STATED | |
| Welcome benefit | Not in MITC | NOT STATED | |
| Lounge access | Not in MITC | NOT STATED | |
| Eligibility | Not in MITC | NOT STATED |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
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