HDFC Pixel Play Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Cashback Rate
Cardholder will get 5% cashback on any two packs of your choice - Dining & Entertainment Category – BookMyShow & Zomato - Travel Category – MakeMyTrip & Uber - Grocery Category – Blinkit & Reliance Smart Bazaar - Electronics Category – Croma & Reliance Digital - Fashion Category – Nykaa & Myntra.
3% cashback any one E-commerce merchant of your choice - Amazon or Flipkart or PayZapp.
1% unlimited cashback across all other spends.
Movie Benefits
Dining Benefits
Get up to 25% off on dining through Swiggy Dineout.
Other Benefits
Instant digital credit card. Annual fee reversal on spend of Rs 50,000 in any year.
Lounge Access
Fees & Charges
Joining Fee
INR 500 /- + Applicable Charges
Annual Fee
INR 500 /- + Applicable Charges
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.6% per month (i.e., 43.2% per annum)
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%
Other Fees
Cash Advance Charges: A transaction fee of 2.5% or ₹500 whichever is higher | Reward Redemption Fee: INR 99
Cons
Have to pay a joining fee.
No domestic or international lounge visit facility is available.
No welcome rewards will be given to first-year free cards.
Welcome Benefit: Users will get 2,000 reward points on payment of the joining fee and spending Rs. 2,000 made within 30 days of card issuance (No welcome rewards will be given to first-year free cards).
Reward System: 1 RBL reward point = Rs 0.25. Users will get 1 reward point for every Rs. 100 spent. General cashback rate: 0.25%. 2X reward points on all online spending with a cap of 1,000 reward points. Effective cashback rate: 0.50%. Users will get 10% off on BookMyShow, up to Rs.100 every month.
Millestone Benefit: If the user spends Rs. 50,000 in a year then the annual fees for the second year of Rs. 499 will be reversed.
Users can convert up to their available cash limit into a Personal Loan for 3 months at a 1.16% interest rate per month and no processing fee.
Unlimited interest-free withdrawal available on cash limit from all ATMs in India up to their billing date; maximum period of 50 days.
A fuel surcharge waiver of up to Rs.100 per month
users can also enjoy a credit-free period of up to 50 days as an added benefit on their card.
Xpress Cash allows users to get an instant loan within their credit limit.
Users can get a pre-approved loan without blocking the credit limit of their card.
Rewards & Benifits
Welcome Benefits
Users will get 2,000 reward points on payment of the joining fee and spending Rs. 2,000 made within 30 days of card issuance (No welcome rewards will be given to first-year free cards).
Rewards System
International Forex Markup
Welcome Benefits and Reward System
Special Features
Reward System: Cardholder will get 5% cashback on any two packs of your choice
- Dining & Entertainment Category – BookMyShow & Zomato
- Travel Category – MakeMyTrip & Uber
- Grocery Category – Blinkit & Reliance Smart Bazaar
- Electronics Category – Croma & Reliance Digital
- Fashion Category – Nykaa & Myntra
3% cashback any one E-commerce merchant of your choice
- Amazon or Flipkart or PayZapp
1% unlimited cashback across all other spends.
Eligibility Criteria
You must be an Indian citizen.
You must be 21-60 years of age.
Your net monthly income must be greater than INR 25,000 if you are salaried, and your ITR must be greater than Rs. 6 lakhs per annum if you are self-employed.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement.
Apply online: Visit the HDFC Bank website or app and fill out the online application form.
Documents: Submit the required documents like PAN card, address proof, and income proof.
Verification: HDFC will verify your documents and creditworthiness.
Approval: Upon approval, you will receive your credit card within 7-10 working days.
Contact Details
1800 1600
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: Users will get 2,000 reward points on payment of the joining fee and spending Rs. 2,000 made within 30 days of card issuance (No welcome rewards will be given to first-year free cards).
Reward System: 1 RBL reward point = Rs 0.25. Users will get 1 reward point for every Rs. 100 spent. General cashback rate: 0.25%. 2X reward points on all online spending with a cap of 1,000 reward points. Effective cashback rate: 0.50%. Users will get 10% off on BookMyShow, up to Rs.100 every month.
Millestone Benefit: If the user spends Rs. 50,000 in a year then the annual fees for the second year of Rs. 499 will be reversed.
Users can convert up to their available cash limit into a Personal Loan for 3 months at a 1.16% interest rate per month and no processing fee.
Unlimited interest-free withdrawal available on cash limit from all ATMs in India up to their billing date; maximum period of 50 days.
A fuel surcharge waiver of up to Rs.100 per month
users can also enjoy a credit-free period of up to 50 days as an added benefit on their card.
Xpress Cash allows users to get an instant loan within their credit limit.
Users can get a pre-approved loan without blocking the credit limit of their card.
Have to pay a joining fee.
No domestic or international lounge visit facility is available.
No welcome rewards will be given to first-year free cards.
RBL credit card is good card, middle class people can use this and its very good service. The rate of interest also very low but getting more reward points for my purchase.
RBL credit card is good card, middle class people can use this and its very good service. The rate of interest also very low but getting more reward points for my purchase.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining fees: Rs 499 & add-on cardholder
Annual membership Fees: 499 + GST (second year onwards) Spend Rs. 50,000 in a year and get second year annual fees of Rs. 499 reversed
Cash Advance fee: 2.5% of the cash amount withdrawn (minimum Rs 500)
Late Payment fees: Up to Rs.100 - ZeroLate fee. Above Rs.100 -12.5% of total due amount (Max Rs. 1300/-)
Finance charges/ Interest Charges: upto 3.99% p.m (upto 47.88% p.a)
Foreign Currency Transaction Fees: 3.5%
Reward Redemption fees: Rs 99
EMI Processing fees : Rs 199 + GST
Fuel Surcharge
1% Surcharge on Fuel transaction value or Rs.10, whichever is higher. However, Fuel surcharge waiver of up to Rs.100 per month is available. (The Surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4,000.)
Billing Cycle
30 days