• 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.

• Personal Accidental Death & Permanent Disability Cover of ₹30 Lakh

To know more, click here.

• 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. 

• 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

• *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.