The Pine Labs HDFC has a ₹499 annual fee (waived on ₹50,000 annual spend), earns 2 Reward Points per ₹150 and charges a 3.5% forex markup.
| Annual fee | ₹499 |
|---|---|
| Joining fee | ₹499 |
| Annual fee waived | On ₹50,000 annual spend |
| Base rewards | 2 Reward Points per ₹150 |
| Forex markup | 3.5% |
From issuer benefit data, checked 22 Oct 2026. Base rewards is the general earn rate; category and partner rates are under Key Benefits.
Key Benefits
Live offers on this card
300 online offers across 174 brands right now, each valid for at least another 7 days. Checked 22 Oct.
- Croma: Rs.12000 Discount · till 31 Oct
- EaseMyTrip: Flat Rs.7500 off · till 31 Oct
- ixigo: Rs.7500 Discount · till 31 Oct
- MakeMyTrip: Rs.7500 Discount · till 31 Oct
- Yatra: Flat Rs.7500 off · till 31 Oct
These are HDFC Bank's own offers and Visa network offers, so they apply to every HDFC Bank Visa card, not just this one. All HDFC Bank offers by category.
More about the Pine Labs Hdfc Bank Credit Card
Is the Pine Labs Hdfc Bank Credit Card worth it in 2026?
The Pine Labs Hdfc Bank Credit Card offers 4 Reward Points per Rs.150 spent online and 2 Reward Points per Rs.150 on other purchases. With a joining and renewal fee of Rs.499 each, the first-year fee is waived if you spend Rs.45,000. This makes it a valuable card for frequent online shoppers who can meet the spending requirement.
Who should get the Pine Labs Hdfc Bank Credit Card?
This card is ideal for online shoppers and users who spend regularly on digital platforms. If you spend at least Rs.45,000 annually and want to earn up to 4 Reward Points per Rs.150 on online transactions, this card suits your needs well.
How to maximise rewards on the Pine Labs Hdfc Bank Credit Card?
To maximise rewards, focus on making online purchases to earn 4 Reward Points per Rs.150. Additionally, aim to spend Rs.45,000 in the first year to get the annual fee waived and earn 2,500 bonus Reward Points as a milestone benefit.
What purchases give the best value on the Pine Labs Hdfc Bank Credit Card?
Online transactions provide the best value, earning 4 Reward Points per Rs.150 spent. Other purchases earn 2 Reward Points per Rs.150, so prioritising online spending will maximise your rewards.