# Pine Labs Hdfc Bank Credit Card

**Best for:** Frequent online shoppers

**Think twice if:** Rarely spends on online purchases

**Key strengths:** Earn 4 Reward Points on online spending · Fee waiver with Rs.45000 annual spend · Bonus 2500 Rewards Points available

## Fees

- **Joining Fee:** Joining Fee of Rs.499
- **Annual Fee:** Renewal Fee of Rs.499
- **Fee Waiver:** Spend Rs.45000 For First Year Fee Waiver
- **Forex Markup:** 3.50% - Foreign Currency Transactions

## Rewards

- **Top Reward Rate:** Earn 4 Reward Points per Rs.150 on Online
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- **Milestone Benefits:** Array

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