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
No international usage.
No complimentary airport lounge access.
High late payment fees.
Reward System: The value of 1 reward point = 0.25. Users will earn 2 RP for every INR 100 spent. Effective cashback rate: 0.50%. Users can earn a maximum of Rs. 50 cashback per month on utility bill payments. Users can redeem their reward points for movies, bus & air tickets, gift vouchers, etc. A minimum of 100 reward points needs to be accumulated for redemption.
Users will get personal accidental insurance coverage of up to 2.00 lakh in case of loss of life or permanent disability due to accident.
RuPay Offers: Exclusive merchant offers and cashback in Eateries, Restaurants & Utility Payments provided by RuPay. These offers are provided by RuPay by is subject to change as per their discretion from time to time without prior notice.
Rewards & Benifits
Welcome Benefits
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:-
Reward System: The value of 1 reward point = 0.25. Users will earn 2 RP for every INR 100 spent. Effective cashback rate: 0.50%. Users can earn a maximum of Rs. 50 cashback per month on utility bill payments. Users can redeem their reward points for movies, bus & air tickets, gift vouchers, etc. A minimum of 100 reward points needs to be accumulated for redemption.
Users will get personal accidental insurance coverage of up to 2.00 lakh in case of loss of life or permanent disability due to accident.
RuPay Offers: Exclusive merchant offers and cashback in Eateries, Restaurants & Utility Payments provided by RuPay. These offers are provided by RuPay by is subject to change as per their discretion from time to time without prior notice.
No international usage.
No complimentary airport lounge access.
High late payment fees.
The Union Bank of India RuPay Platinum Credit Card offers decent value for occasional travelers and spenders who utilize the cashback offers strategically. It provides basic travel perks, insurance cover, and fuel surcharge waiver. However, the low reward point value, limited redemption options, and network limitations might not be suitable for high spenders or those seeking maximum value and flexibility.
The Union Bank of India RuPay Platinum Credit Card offers decent value for occasional travelers and spenders who utilize the cashback offers strategically. It provides basic travel perks, insurance cover, and fuel surcharge waiver. However, the low reward point value, limited redemption options, and network limitations might not be suitable for high spenders or those seeking maximum value and flexibility.
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 Fee-NIL,
Annual Fee-Rs 299
Cash advance fee: 2.5% per month from date of withdrawal
Interest Rates: 16% p.a., on reducing balances
Late Payment Charges: Up to Rs. 25,000/- = Rs. 200/- Above Rs.25,000/- = Rs. 500/- Statement for > 3 months = Rs. 50/- per statement
Foreign Currency Transactions Fees: 3%.
Reward Redemption Fees: NIL
Fuel Surcharge
1% fuel surcharge is applicable on the cardholders. However, fuel surcharge waiver on the transaction value of Rs.200 and above at HPCL-authorized outlets with a cap of Rs.100 per billing cycle per card. This waiver is over and above the 4% cashback offered by the Bank.
Billing Cycle
30 Days