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HDFC Pixel Play Credit Card

80

Rewards & Benefits

Welcome Benefits

None.

Milestone Benefits

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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

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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

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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

दोष

  • Low rewards on other categories: Only 1x reward point for every INR 150 spent on other categories, which is comparatively low compared to many other credit cards.

  • Limited bonus categories: Rewards are only significantly boosted for dining and fuel, neglecting other common spending categories like groceries, shopping, or travel.

  • Foreign currency transaction charges: 3.5% + GST on foreign currency transactions, which can be high compared to some cards offering competitive forex rates.

  • High late payment fees: Late payment fees are quite high at Rs. 500 + 2.5% of the outstanding balance.

  • Limited availability: Standard Chartered Rewards Credit Card might not be available in all countries or regions.

  • Reward System: Users will get 4 rewards on all retail spends per INR 150 spent on credit card. Value of 1 reward point = INR 0.30. Cashback rate: 0.8%. Additionally, 4 reward points per INR 150 on monthly retail spend above INR 20,000 (max. 2000 bonus reward points per statement cycle). 1 reward point for every INR 150 spent on government and insurance categories. Govt cashback rate: INR 0.3%.

  • Special cashback rate above 20,000: 1.6%.

  • Users will get complimentary lounge access, 1 per calendar quarter. 

पक्ष विपक्ष
Welcome Benefits

None 

पुरस्कार प्रणाली
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

Up to: 3.5%

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

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.

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?

  1. Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement.

  2. Apply online: Visit the HDFC Bank website or app and fill out the online application form.

  3. Documents: Submit the required documents like PAN card, address proof, and income proof.

  4. Verification: HDFC will verify your documents and creditworthiness.

  5. Approval: Upon approval, you will receive your credit card within 7-10 working days.

सम्पर्क करने का विवरण

1800 1600

खाता खोलने की प्रक्रिया और प्रक्रिया

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विशेष विशेषता, पात्रता और लाभ

Pros:-

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Cons:-

  • Reward System: Users will get 4 rewards on all retail spends per INR 150 spent on credit card. Value of 1 reward point = INR 0.30. Cashback rate: 0.8%. Additionally, 4 reward points per INR 150 on monthly retail spend above INR 20,000 (max. 2000 bonus reward points per statement cycle). 1 reward point for every INR 150 spent on government and insurance categories. Govt cashback rate: INR 0.3%.

  • Special cashback rate above 20,000: 1.6%.

  • Users will get complimentary lounge access, 1 per calendar quarter. 

  • Low rewards on other categories: Only 1x reward point for every INR 150 spent on other categories, which is comparatively low compared to many other credit cards.

  • Limited bonus categories: Rewards are only significantly boosted for dining and fuel, neglecting other common spending categories like groceries, shopping, or travel.

  • Foreign currency transaction charges: 3.5% + GST on foreign currency transactions, which can be high compared to some cards offering competitive forex rates.

  • High late payment fees: Late payment fees are quite high at Rs. 500 + 2.5% of the outstanding balance.

  • Limited availability: Standard Chartered Rewards Credit Card might not be available in all countries or regions.

For people who would rather use their credit card for regular purchases, the Standard Chartered Rewards Credit Card can be a good choice. With this card, you can earn up to 8x Reward Points on your purchases (including the base reward rate and milestone rewards), which translates into significant savings.

For people who would rather use their credit card for regular purchases, the Standard Chartered Rewards Credit Card can be a good choice. With this card, you can earn up to 8x Reward Points on your purchases (including the base reward rate and milestone rewards), which translates into significant savings.
Abhijeet Saxena

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

उत्पाद समीक्षा
फीस एवं प्रभार

  • No Joining Fee

  • Annual Fees: INR 1000 + GST

  • Cash Advance Charges: ATM withdrawals: 3% of cash withdrawal amount subject to a minimum of Rs. 300. 

  • Interest Rate: 3.75% pm (APR of 45%)

  • Late Payment Charges: Ranges from Rs. 100 to Rs. 1200. 

  • Foreign Currency Markup Fees: 3.5% transaction fee. 

ईंधन अधिशुक्ल

1% fuel surcharge waiver on all fuel spends.

Billing Cycle

30 Days

फीस एवं प्रभार
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