Pine Labs Pro Credit Card
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Card Benefits and Features

Know more about the card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160
  • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Card Management & Controls

Added Delights

  • Lounge Access: 8 Complimentary access to Airport Lounges across country in a calendar year (Capped at 2 visits per Quarter). 

  • Please click here to know more about VISA lounge program (A transaction fee of ₹2 will be charged to your credit card for the lounge access).

  • Milestone Benefit: Earn 10,000 Bonus Reward Points on yearly spends of ₹5 Lakh (Non-EMI Spends). Earn total 15,000 Bonus Reward Points (additional 5,000 Bonus Reward Points) on yearly spend of ₹8 Lakh (Non-EMI Spends)

  •  Vendor Payment Offer
    1% flat interest on supplier payments done through Pine Labs’ outward payment platform. Customers earn 1% CashBack (up to ₹500 a month) till Sep 30, 2022. CashBack can be redeemed for vouchers using Pine Labs outward pay out platform at https://credit.pinelabs.com/ccc/login
  • ​​​Renewal Offer
    Renewal Fee waived upon spending ₹1,00,000 (Non-EMI Spends) in the 12-month period.
  • Contactless Payment
    Pine Labs HDFC Bank Pro Credit Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
    You can use your Card to make quick transactions at merchant locations accepting contactless Cards.
Added Delights

Insurance/Comprehensive protection & Nominee details for Insurance

  • Personal Accidental Death & Permanent Disability Cover of ₹30 Lakh
Cover Type Insurance cover Condition to be met
Personal Accidental Death Cover (5+10+15) Personal Accidental Death Cover  
Base Cover ₹5 Lakh 1 POS/E-COM Transaction in the last 30 days
Accelerated Cover I ₹10 Lakh 1 POS/E-COM Transaction in last 30 days + Spends greater than ₹25,000
Accelerated Cover II ₹15 Lakh 1 POS/E-COM Transaction in last 30 days + Spends greater than ₹50,000
Total Cover ₹30 Lakh  

To know more, click here.

 

Comprehensive Protection

Reward Point/CashBack Redemption & Validity

Reward Redemption Categories Pine Labs HDFC Bank Credit Card (in ₹)
SmartBuy Travel 0.5
Airmiles 0.5
Product Catalogue Up to 0.35
CashBack 0.2
  • Redemption of Reward Points to Cashback and Travel will be capped at 50,000 points per month per customer

  • Accrual of Reward Points on Grocery Spends will be capped at 1000 points per month per customer

  • There will be no Reward Points accrual on Spends made on Rental and Education category payments

  • Points + Pay - A maximum of 70% can be paid using Reward Points and the other 30% to be made by payment modes (Cash/Cards/UPI etc.)

  • Free credit period
    Avail up to 50 days of interest free credit on your Pine Labs HDFC Bank Pro Credit Card
  • Exclusive EASYEMI Offers
    Enjoy No Cost & Low cost EMI options  on your credit card
  • Key Fact Statement
  • Please refer to key fact statement. 
Card Reward & Redemption Program

Fees & Charges

  • Membership fees: ₹1,000 plus  GST.
  • Annual fees: Annual fee is charged after 90 days of issuance only if not activated as per sign-up terms.
  • First-year fee waived upon spending ₹75,000 (Non-EMI) within 90 days.
  • Renewal fee waived upon spending ₹1 lakh (Non-EMI) within 12 months.

Goods and Services Tax (GST) 

  • Effective 1st July 2017, Goods & Services Tax (GST) is applicable on all Fees, Charges and Interest transactions. The applicable GST would be dependent on place of provision (POP) and place of supply (POS). If POP and POS are in the same state then applicable GST would be CGST and SGST/UTGST else, IGST. 
  • GST for Fees & Charges / Interest transactions billed on statement date will reflect in the next month's statement. 
  • GST levied will not be reversed on any dispute on Fees & Charges / interest 
  • 1% Fee on Rental transactions - from the 2nd rental transaction done every calendar month ​
  • ​​1% Mark-Up to be applicable on all International DCC transactions
Revolving Credit

Most Important Terms and Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Revolving Credit

Frequently Asked Questions