Joining Fee:
₹499 +GST
Return Percentage:1.5% to 3%
Credit Card Overview
A co-branded Pine Labs card tailored for merchants, offering rewards on business-related transactions, simplified payments, and partner-linked benefits.
Best Suited For: Brand Wallet
HDFC
Fees and charges at a glance
- Annual fee
- ₹499
- Joining fee
- ₹499
- Reward rate
- 1.5% to 3%
- Forex markup
- 3.5%
- Interest rate
- 45% p.a.
- Add-on card
- Free
Charged every year you keep the card
Paid once when you get the card, plus GST
Depends where you spend
Extra charge on foreign spends
Only if you don't pay the full bill
An extra card for family
HDFC Pine Labs credit card — Earn Categories
Other categories
- GovernmentGovernment · Government5 Cashback / ₹100
Minimum ₹100 per transaction
- Telecom & CablesTelecom & Cable · Telecom & Cable5 Cashback / ₹100
Minimum ₹100 per transaction
Everyday rate
- Base Rewards4 Reward Points (reward points) / ₹150
Minimum ₹150 per transaction
3 more earning categories on this card
We track all 6 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.
Earns nothing on these
Spends in these categories carry no rewards on this card.
- EMI
- Fuel
- Wallets