The Pine Labs HDFC Pro has a ₹1,000 annual fee (waived on ₹1 lakh annual spend), earns 4 Reward Points per ₹150, includes 8 airport lounge visits a year and charges a 3.5% forex markup.
| Annual fee | ₹1,000 |
|---|---|
| Joining fee | ₹1,000 |
| Annual fee waived | On ₹1 lakh annual spend |
| Base rewards | 4 Reward Points per ₹150 |
| Lounge access | 8 airport lounge visits a year |
| 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 Pro Credit Card
Is the Pine Labs Hdfc Bank Pro Credit Card worth it in 2026?
Yes, the Pine Labs Hdfc Bank Pro Credit Card is worth it in 2026 if you spend regularly online and reach the Rs. 75,000 threshold to waive the Rs. 1,000 joining fee. It offers 4 Reward Points per Rs. 150 spent online and 8 complimentary domestic airport lounge visits annually.
Who should get the Pine Labs Hdfc Bank Pro Credit Card?
This card is ideal for frequent online shoppers and business professionals who spend heavily, as it rewards 4 points per Rs. 150 spent online and offers milestone bonuses like 15,000 points on Rs. 8 lakhs spend. Users who travel domestically will also benefit from 8 free airport lounge accesses per year.
How to maximise rewards on the Pine Labs Hdfc Bank Pro Credit Card?
To maximise rewards, focus on online spending to earn 4 Reward Points per Rs. 150. Additionally, aim to spend Rs. 8 lakhs annually to earn a milestone bonus of 15,000 Reward Points and ensure you spend Rs. 75,000 in the first year to get the joining fee waived.
Is the Pine Labs Hdfc Bank Pro Credit Card better than a top competing premium card?
The Pine Labs Hdfc Bank Pro Credit Card offers competitive rewards with 4 points per Rs. 150 online spend and 8 complimentary domestic lounge visits. While it has a modest Rs. 1,000 annual fee, its milestone bonuses and fee waiver on Rs. 75,000 spend make it a strong contender against other premium cards with higher fees.