# Pine Labs Hdfc Bank Pro Credit Card

**Best for:** Frequent online shoppers and travelers

**Think twice if:** Low spenders or infrequent travelers

**Key strengths:** Earn 4 Reward Points on online spending · 8 complimentary airport lounge accesses yearly · Bonus rewards for high spending milestones

## Fees

- **Joining Fee:** Joining Fee of Rs.1000
- **Annual Fee:** Renewal Fee of Rs.1000
- **Fee Waiver:** Spend Rs.75000 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

## Lounge Access

- **Domestic:** 8 Complimentary Airport Lounge Access Per Year

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