Unbiased Review of HDFC Pixel Play Credit Card - Credit Card Made For Gen Z
- Abhijeet Saxena
- Oct 18, 2024
- 3 min read
Updated: 31 minutes ago
HDFC Bank has launched some of the most unique credit cards in India in the past, such as the HDFC Swiggy Credit Card, the HDFC Bonvoy Credit Card, etc. In a world dominated by mobile apps, the HDFC Pixel Play Credit Card has been launched, especially keeping in mind Gen Z. The card offers discounts on some of the most used apps by Gen Z, such as Zomato, BookMyShow, Myntra, etc. In this review, we look into its features, cons, eligibility, and fees.
Features of the HDFC Pixel Play Credit Card
The HDFC Pixel Play Credit Card is packed with features designed for maximum benefit for its users.
Cashback on Digital Apps
One of its most appealing features is the cashback program for digital apps. Cardholders will get 5% cashback on the following apps:
Dining & Entertainment Category – BookMyShow & Zomato
Travel Category – MakeMyTrip & Uber
Grocery Category – Blinkit & Reliance Smart Bazaar
Electronics Category – Croma & Reliance Digital
Fashion Category – Nykaa & Myntra
HDFC SmartBuy
The cardholders will also 5% cashback on HDFC's internal super app - HDFC SmartBuy, which can be used for shopping, booking tickets, paying bills, etc.
E-Commerce Cashback
The cardholders will also 3% cashback on any one of the following e-commerce apps of their choice: Amazon or Flipkart, or PayZapp.
Unlimited 1% Cashback
Apart from the spends mentioned above, the cardholders also get unlimited 1% cashback on all other spends
Dining Benefit
Cardholders can also get up to 25% off on eating out through the Swiggy Dineout app.
Annual Fee Waiver
Cardholders can also take advantage of the annual fee waiver. If users spend more than ₹50,000 within the year, the annual fee will be waived.
Cons of the HDFC Pixel Play Credit Card
While there’s much to love about the HDFC Pixel Play Credit Card, there are some factors to consider.
Limited Rewards on Non-Digital Expenses
The focus on digital transactions means that non-digital purchases often yield lower rewards. For example, purchases at grocery stores or on bills may garner only 0.1% cashback, making it less beneficial for those who want a versatile credit card for varied spending.
No Welcome Benefits
Most credit cards in India at present offer one-time welcome benefits at the time of joining the credit card holder; however, the HDFC Pixel Play Credit Card does not offer any such benefits.
No Airport Lounge Benefits
Airport lounge benefits are often seen as a status symbol by Gen Z. However, in the case of the Pixel Play Credit Card, no free visits to the airport lounge are offered.
Fees and Charges
Understanding the fees associated with a credit card is vital for smart financial management.
Joining Fee / Renewal Membership Fee – INR 500 /- + Applicable Charges
Cash Advance Charges: A transaction fee of 2.5% or ₹500, whichever is higher
Late Payment Charges: Range from INR 100 to INR 1300.
Interest Rate: 3.6% per month (i.e., 43.2% per annum)
Foreign Currency Mark-up Fees: 3.5%
Reward Redemption Fee: INR 99
Meeting the Eligibility Requirements
To successfully apply for the HDFC Pixel Play Credit Card, prospective cardholders must meet the following 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.
Final Thoughts
The HDFC Pixel Play Credit Card offers a great cashback rate. There are very few credit cards in India that have a low eligibility threshold and offer a cashback rate of 5% or higher. However, potential applicants should consider the potential cons that we have mentioned above.
Ultimately, the decision to apply should depend on personal spending habits and financial management. This comprehensive review aims to guide readers in determining whether the HDFC Pixel Play Credit Card is the right fit for their lifestyle and financial goals.
You can read the more detailed review of the credit card here.
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