If you are a small business owner, looking for a low-cost credit card to add more convenience and comfort to your business trips, then the Pine Labs HDFC Bank Pro credit card is the card for you. Targeting Indian small business owners, this card offers free access to airport lounges, powerful rewards on every transaction, attractive cashbacks on utility expenses, and lots more.
So, if you are interested, then make sure to go through the complete review to know more about the benefits.
Table of Contents
Who can apply for the Pine Labs HDFC Bank pro card?
This card is available for self-employed individuals.
- Resident Type: Indian
- Age: 21 to 65 years
- Income: The minimum income tax return of the applicant should be above Rs.12 lakh.
- A credit score of 720+ is required to apply for this HDFC pine labs credit card.
What documents are required to apply for the pine labs hdfc bank credit card?
- Photocopy of Address proof (any 1)
- Aadhar Card
- Driving License
- Passport
- Utility bills
- Photocopy of ID Proof (any 1)
- Aadhar card
- Voter Card
- Passport
- PAN Card
- Two recent passport-sized photographs
- Proof of income statement:
- Income tax return of the last year
- Proof of business
What are the Pine Labs HDFC Bank Pro credit card fees?
- Joining fee: Rs.1000 + GST
- Annual fee: Rs.1000 + GST
What are the pine labs hdfc bank pro credit card benefits?
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Make your transactions more rewarding:
For every Rs.150 transaction made using your card on E-com and POS transactions, this hdfc credit card offers 4 reward points. (this hdfc credit card offer is not applicable on fuel purchases, EMI transactions, and wallet top up)
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Add more value to your transactions:
Your business utility transactions (telecom, IRCTC, and tax payments) made using this card can earn you 5% cashback (upto Rs.250 per hdfc credit card statement cycle).
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Make your travel more comfortable:
Your HDFC pine labs credit card offers you 8 free access (up to 2 free access per quarter) every year to some of the leading airport lounges across the country.
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Earn additional benefits on milestone spending:
Depending on your credit card usage, you can also earn some additional benefits from your card.
|
Credit card usage |
Benefit |
| Rs.5 lakh within a year (non-EMI transactions) | 10,000 bonus rewards |
| Rs.8 lakh within a year (non-EMI transactions) | Additional 5000 bonus rewards |
| Rs.1 lakh within an anniversary year(non-EMI transactions) | A complete waiver on your next year’s annual fee |
| Rs.75,000 within the first 90 days of card activation (non-EMI transactions) | A complete waiver on first-year joining fee |
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Complimentary insurance coverage protection:
Your Pine labs HDFC credit card comes with a personal accident coverage of Rs.30 lakh. Click here for the detailed terms and conditions.
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Advanced contactless payment technology:
The Pine Labs HDFC Credit Card is equipped with advanced contactless payment technology. This feature allows you to make payments just by placing your card over any contactless-enabled POS machine.
What are the pine labs hdfc bank pro credit card charges?
|
Particulars |
Chargeable amount |
| HDFC credit card cash withdrawal charges | 2.5% against the withdrawn amount |
| Finance charge | The hdfc credit card interest rate can go up to 3.6% monthly or 43.2% annually |
| Foreign currency conversion charge | 3.5% against the transaction amount |
| Add on card fee | None |
How to contact the HDFC credit card customer care department?
- Call the HDFC Pine Labs customer care number: 1800-266-4332 (Toll-free) or 1800-202-6161(Toll-free) or 022-6160-6161
- Write to the HDFC credit card mail id: customerservices.cards@hdfcbank.com
100xGain Ratings:
7/10
Pros and cons:
|
Pros |
Cons |
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Final Opinion:
As mentioned before, this card is best suited for small business owners. You will get 4 reward points for every Rs.150 transaction, 5% cashback on utility bills, and up to 2 quarterly accesses at domestic airport lounges, which can easily justify the Rs.1000 annual fee.
But, unlike premium business cards, you will not get any business assistance tools with this card. So, if you are looking for a better alternative, then make sure to go through our best business credit card list.
Alternative Cards:
- American Express Corporate Card (Best for reward points, lounge access, and account management facilities)
- HDFC Bank CSC Small Business MoneyBack Credit Card (Best for cashback, reward, and dining benefits)
- IndusInd Bank Business Gold Credit Card (Best for offering reward points)
FAQs on Pine Labs HDFC Bank Pro Card:
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How to activate hdfc credit card?
You can activate your new HDFC credit card from your net banking account or your nearby HDFC ATM. Also, if you are confused with the hdfc credit card activation process, then you can get some help from our FAQ page.
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How to redeem hdfc credit card points?
The reward points of hdfc credit card can be used for hotel/travel booking, or to get a product from the rewards catalog. You can also redeem them in cash.
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How to apply for hdfc credit card?
You can apply for your desired HDFC credit card from the HDFC credit card online application portal. You can also visit your nearby HDFC branch and submit your application there.
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How to close hdfc credit card?
If you want to close your old HDFC account, then just walk into your nearby HDFC branch and submit the hdfc credit card closure form there. But before that make sure that you don’t have any unpaid balance in your account.
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How to pay hdfc credit card bill?
You can make your hdfc credit card payment online from your net banking account, you can also use any credit card bill payment app like Cred, Paytm, PhonePe, Google Pay, etc.
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How to enable online transaction in hdfc credit card?
You can turn on the online transaction feature in your HDFC credit card from your net banking account or from the HDFC credit card mobile app. The complete process is discussed on our FAQ page.
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How to check hdfc credit card balance?
You can simply log in to your net banking or mobile banking account and check your HDFC credit card balance from there. Also, you can simply call the HDFC credit card customer service department and ask them for the information.
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How to enable international transaction on hdfc credit card?
The HDFC credit card international transaction feature can be turned on from your net banking account, the process is discussed on our FAQ page.