HDFC's website is very clear on the PP:
Priority Pass membership worth $99 per annum is complimentary. Enjoy 4 free accesses to Priority Pass lounges yearly. A usage fee of up to $27 per person per visit (including any accompanying guest) will be charged to the card account after the free accesses are used. The above fee is indicative and usage charges may vary from lounge to lounge. Please visit
www.prioritypass.com for more details.Priority Pass will be issued on request by Cardmember.
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http://www.hdfcbank.com/personal/cre...124.1445433613)