• You can pay any registered supplier with a valid GST number.

• In rare cases, due to technical issues, Banks may take additional time to deposit the payment money into the receiver account.

Yes. The flexible payment options of No cost EMI and Low-cost EMI can be availed by a cardholder on the credit card.

• Once the bill is generated, the credit card monthly statement is sent to the cardholder’s registered email address. A cardholder can also view and d
• Download the bill by logging into HDFC Bank website.

• The Pine Labs HDFC Bank Credit Card will be disabled for online, contactless and/or international transactions initially to protect against fraud. A cardholder can enable the card through HDFC website.
• For further details on card activation, please visit HDFC Bank website or refer to the leaflets in the welcome kit.

• For Pine Labs HDFC Bank Pro Credit Card, Renewal fee can be waived off upon spending Rs.1,00,000 (Non-EMI Spends) in a 12 months’ period.

You can add a beneficiary from the “Pay Supplier” or “Manage Beneficiaries” sections once you log in to the link ( https://credit.pinelabs.com/ccc/login ):

• Tap on “Pay Supplier” or “Manage Beneficiary”
• If you have clicked the “Manage Beneficiary page”, tap on “Add New Beneficiary”.
• Enter the Beneficiary Mobile No, Bank Account No. & IFSC Code.
• Tap on “Save to Continue”
• Enter the GST details and click on “Continue” to proceed.
• The beneficiary will be added.

• Yes, GST of the beneficiary is mandatory. We require the GST of the beneficiary to validate all Supplier payments

• If your money is deducted for a failed payment, there is no need to worry as your money is safe with your bank. The amount is refunded into your account within 8-10 business days from date you made the payment.

• 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum Cashback of ₹250 per statement cycle)

• The Credit card application process is completely digital. However, if KYC cannot be done online, HDFC Bank representatives will contact the Cardholder to complete KYC.
• A cardholder is required to show the following documents for the Pine Labs HDFC Bank Credit Cards
  • ID proof copy
  • Address proof copy
  • Passport size photograph
• Please note that in case of any discrepancy, a cardholder might be asked for additional document. Certified copy of any Officially Valid Documents (OVD) may be accepted for opening new accounts (as Proof of Identity / Proof of Mailing Address), 
  • Proof of possession1 of Aadhaar / printout of e-Aadhaar (not older than 30 days) / e-KYC (Biometric / OTP based) 
  • Passport [not expired] 
  • Permanent Driving license [not expired] 
  • Election /Voter’s card issued by Election Commission of India 
  • Job card issued by NREGA duly signed by an officer of the State Government 
  • Letter issued by the National Population Register containing details of name & address

• To make a cardholder travel more comfortably, Pine Labs HDFC Bank Pro Credit Card offers complimentary access to airport lounges within India. A cardholder can relax in the comforts of the lounge while they wait for the flight. Pine Labs HDFC Bank Pro Credit cardholders can avail up to 8 lounge (capped at 2 visits per quarter) access within India in a calendar year.

In case of credit card being lost/stolen, a cardholder should login to HDFC Bank online at once and report the lost or stolen credit card in the service requests section in the menu.
https://www.hdfcbank.com/personal/pay/cards/credit-cards/block-loststolen-card

• The maximum amount that can be transferred using Supplier payment is the available Credit Limit on your credit card at the time of making the payment.

Reward Points shall not be eligible for the following spends/transactions on the credit card -

• Fuel Spends
• Wallet Load Transactions
• Cash Advances
• Payment of Outstanding Balances
• Payment of card fees and other charges
• Smart EMI / Dial in EMI transactions

• A cardholder needs to generate the PIN to activate the Credit Card. Following ways can be used for activation
• By using IVR - Call 1800 202 6161/1860 267 6161
• By using Net Banking
• By using Mobile Banking App
• By using ATM
• Please refer to the below link for more information to generate PIN: https://www.hdfcbank.com/personal/pay/cards/credit-cards/forgot-card-pin

Earn 2500 Bonus Reward Points on annual spends of ₹1.8 Lakh (except fuel, wallet load transactions, EMI transactions) 

• Once a supplier payment is initiated, the request cannot be cancelled.

Pine Labs HDFC Bank Credit Card is exclusively offered for Pine Labs merchants. Pine Labs in partnership with HDFC Bank is offering the card.

• Usually, a transaction remains in initiated state for 1-3 business days before it is changes to either successful or failed. In case of failed status, money deducted will be refunded to the sender's account.

• For Pine Labs HDFC Bank Pro Credit Card, First Year Membership fee can be waived off by spending Rs.75,000 (Non-EMI Spends) within the first 90 days.

• All the visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge.

• A cardholder can avail 3% Cashback on all spends (Non-EMI Spends) till 30th September, 2022 on both the Credit Card variants. (capped at Rs.1500 per month)
• The spend aggregation excludes wallet load, fuel spends and Pine Labs vendor payment platform. (Refer section on Supplier Payments below).
• Cardholders will also earn 1% cashback on supplier payments through the Pine Labs vendor payment platform. The offer is valid till 30th September 2022. Cashback can be redeemed in the form of vouchers for a min. if Rs. 10 using the link: https://credit.pinelabs.com/ccc/login
• A cardholder can also avail a Gift Voucher worth Rs.500 on minimum one transaction of Rs.100 in 30 days from card opened date. The mentioned offer is valid till 30th September, 2022.

• Supplier payment allows you to make third-party payments, such as payments to your suppliers for raw materials, inventory purchases, etc. using your Pine Labs HDFC Bank Credit Card and Pine Labs HDFC Bank Pro Credit Card

• Your transaction is considered successful once the money is credited to the beneficiary account. You will receive an SMS when the money is transferred to the beneficiary's account

• In such rare cases, the amount will be automatically credited back to you in 7 – 10 working days.

• 1% flat interest is provided to a cardholder on the vendor payment done through Pine Labs’ vendor payment platform for Pine Labs HDFC Bank Pro Credit Card for a period of up to 50 days.

• The Pine Labs HDFC Bank Credit Card is Life Time Free for the cards sourced till 30th September, 2022.
• For all the cards sourced after 30th September, 2022, Rs.1000 is levied as annual charges after 90 days of issuance only if the customer has not activated.

• Claiming reward points is easy with HDFC Bank. Once a cardholder has accumulated 500 points they can redeem it for products, gift vouchers and discounts.
• Through SmartBuy:
  Redeem reward points on exclusive offers of travel/hotel booking on HDFC Bank Platform SmartBuy.
  SmartBuy link: https://offers.smartbuy.hdfcbank.com/
• Through Internet Banking:
  Login to internet banking and select Cards  Credit Cards  Enquire  Redeem Reward Points. Please refer to the below link for more information:
  https://www.hdfcbank.com/personal/pay/cards/credit-cards/claim-rewards

• Avail 4 Reward Points per Rs.150 for all the spends (except fuel, wallet load transactions, EMI transactions)
• Get 5% cashback on business essentials like Utility, Telecom, Government and tax payments (capped at Rs.500 per month)
• 8 complimentary Domestic Airport Lounge visits in a calendar year.

• You can make Supplier payments using your Pine Labs HDFC Bank Credit Card or the Pine Labs HDFC Bank Pro Credit Card.

Don’t have a Pine Labs HDFC Bank Credit Card? Apply Now: https://credit.pinelabs.com/ccc/

• The total Reward Points and Cashback earned in a monthly cycle will reflect in the subsequent statement of the cardholder.
• Accumulated reward points can be redeemed for cashback @ 100 reward points = Rs.50. Minimum 2,500 reward points required for cashback redemption.
• Reward points can also be redeemed for exciting gifts and air miles from an exclusive reward catalogue, at the applicable redemption rate. Reward redemption fee of Rs.99 per request will be applicable on all redemptions.
• Please follow the given link - https://www.hdfcbank.com/personal/pay/cards/credit-cards/claim-rewards

• Making Supplier payments is a completely digital process. All you need are the Beneficiary Mobile Number, Beneficiary Bank Account and GST details of the payee to start making payments.

• Transfers can take up to 24 hours (not including bank and public holidays) to be credited to the beneficiary.

• If the money is debited from your credit card and the transaction could not be processed, the amount will be refunded to your credit card in 7 -10 working days.

The status of the transaction can be viewed in the Recent Transactions section on the home page or by clicking on View All in the same section and then clicking on a particular transaction.

• A cardholder should call HDFC Bank’s 24 Hours customer care to report the loss of the credit card and block the same. Please click on the link: https://www.hdfcbank.com/personal/need-help/report-unauthorized-transactions. Transaction dispute needs to be reported in writing within 60 days from the statement date in which the said transaction appears.

• Payment initiated means that the fund transfer process has been initiated to the beneficiary. However, it may take 1-2 business days for the payment to be credited to the beneficiary account.

• To delete a beneficiary, go to the "Manage Beneficiary" section.
• Select the particular name and click on the delete icon located at the top right corner of the screen.
• Select "Yes, delete" to remove the account.

• Interest rate of 1% will be applicable on the transaction amount for the Pine Labs HDFC Bank Credit Card. This will reflect in your Credit Card statement. We do not levy any other fees or charges.

For any queries or support on Supplier payments, please call us at: 0120-4033600 or write to us at plutus.support@pinelabs.com.

New applications for the Pine Labs HDFC Bank Credit Card are currently closed. However, you can explore our wide range of credit cards to find one that suits your needs. Click here to discover the best options for you 

• Pine Labs HDFC Bank Pro Credit Card can be enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets (Check for the contactless network symbol on the card plastic)
• Please note that in India, payment through contactless mode is allowed for a maximum of ₹5,000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5,000, the Card holder has to enter the Credit Card PIN for security reasons.

A cardholder can pay the outstanding dues of credit card bill on HDFC Bank website (https://www.hdfcbank.com/personal/pay/bill-payments/hdfc-bank-credit-card-bill-payment) or HDFC Bank MyCards App.

• To know the different type of charges & fees on the credit card, please refer the MITC link in different languages:
  https://www.hdfcbank.com/personal/pay/cards/credit-cards/personal-mitc

• All cardholders using either variant of the credit card can use this facility.

• Extended credit free period up to 50 days for all purchases is offered to the cardholder on the credit card.

• For Pine Labs HDFC Bank Pro Credit Card, a cardholder is charged with annual fee of Rs.1000 (plus applicable taxes) after 90 days of issuance.

The following details are required for adding a beneficiary for Supplier Payment:

• Beneficiary Name
• Mobile Number
• Beneficiary Account Number
• Beneficiary Bank IFSC &
• Beneficiary GST Number

• The interest rate of 3.6% is charged on the revolving balance of the credit card