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Pine LabsHDFC Bank
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 | Membership Fee: ₹499 + GST | ✓ |
| 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 | First Year Fee waived upon spending ₹45,000 (Non-EMI Spends) within the first 90 days; Renewal Fee waived upon spending ₹50,000 (Non-EMI Spends) in the 12 months period. | ✓ |
| 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 | 1% fuel surcharge waiver on minimum transaction of ₹400. Maximum waiver of ₹250 per statement cycle. | ✓ |
| Forex markup | 3.5%MITC v4.3, fee table L566-575 | 1% Mark-Up to be applicable on all International DCC transactions | ⚠ |
| Reward rate | Not in MITC (product term) | Earn 4 Reward Points per ₹150 spent on e-commerce, excluding EMI, fuel, and wallet load transactions. 2 Reward Points (for every Rs.150 spent) for all POS spends (except EMI spends,fuel and wallet load transactions). Get 5% CashBack on business essentials like Utility, Telecom, IRCTC, Govt, and tax payments (₹250 monthly cap). | • |
| Welcome benefit | Not in MITC | unknown | • |
| Lounge access | Not in MITC | complimentary lounge access | • |
| Eligibility | Not in MITC | unknown | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- Earn 4 Reward Points per ₹150 spent on e-commerce, excluding EMI, fuel, and wallet load transactions.
- Get 5% CashBack on business essentials like Utility, Telecom, IRCTC, Govt, and tax payments (₹250 monthly cap).
- 2,500 Bonus Reward Points on yearly spends of ₹1.8 Lakh (Non-EMI Spends)
- Membership Fee: ₹499 + GST
- 1% fuel surcharge waiver on minimum transaction of ₹400. Maximum waiver of ₹250 per statement cycle.
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