Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | HDFC Bank HDFC Bank PIXEL Play Credit Card | HDFC Bank HDFC Bank PIXEL Go Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | HDFC Bank |
| Network | RuPay | Visa + RuPay |
| Annual fee | ₹500 + GST per year | ₹250 + GST per year |
| Annual fee waiver | At ₹1,00,000 annual spending | At ₹50,000 annual spending |
| Base reward rate | 1% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Selected PIXEL packs: ₹500/month · SmartBuy CashPoints: ₹500/month · Ecommerce-choice CashPoints: ₹500/month · RuPay UPI CashPoints: ₹500/month | SmartBuy CashPoints: ₹500/month · RuPay UPI CashPoints: ₹500/month · Ordinary CashPoints: ₹15,000/month |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹25,000/month | Approx. ₹12,000/month salaried · ₹50,000/month self-employed |
| Terms verified | 21 Sept 2026 | 23 Sept 2026 |
| Best suited to | PayZapp users who want to actively tune their reward categories rather than accept a fixed list. | Digital-first users seeking a low-fee HDFC card with optional RuPay UPI support. |
| Main trade-off | You have to actively select and update your merchant packs in the PayZapp app: the accelerated rate does nothing on categories you forget to pick. | SmartBuy and UPI each have separate ₹500 monthly caps; ordinary cashback has a ₹15,000 monthly ceiling. Transactions below ₹100 and multiple regulated categories earn nothing. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
