Fees & charges
| Joining fee | ₹1,000 + GST (membership fee) |
|---|---|
| Annual / renewal fee | ₹1,000 + applicable taxes (annual fee levied after 90 days of issuance only if the card is not activated per sign-up terms) |
| Renewal-fee waiver | Renewal fee waived on ₹1 lakh (Non-EMI) spend within 12 months; first-year fee waived on ₹75,000 (Non-EMI) spend within 90 days |
| 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 HDFC/Pine Labs card marketed with cashback on fuel, dining and shopping (exact rates not stated on the accessible page); interest rate 23.88%-43.2% p.a. per page JSON-LD |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | active |
⚠ HDFC's page stated limited detail for this card — verify the specifics on the official page before applying.
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 | ₹ 1,000MITC v4.3, fee table L487-495 | ₹1,000 + GST (membership fee) | ✓ |
| Fee waiver (min spend) | ₹75,000 within 90 days for 1st year membership fee and ₹1,00,000 / Annum for renewal feeMITC v4.3, fee table L487-495 | Renewal fee waived on ₹1 lakh (Non-EMI) spend within 12 months; first-year fee waived on ₹75,000 (Non-EMI) spend within 90 days | ✓ |
| 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 L487-495 | NOT STATED | • |
| Forex markup | 3.5%MITC v4.3, fee table L487-495 | 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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