HDFC Bharat Credit Card vs HDFC Pixel Play Credit Card

• Get 5% monthly cashback by booking tickets through IRCTC
• On Fuel expenses, enjoy savings with 5% monthly cashback
• Get 1% surcharge waiver and save up to Rs. 250 in every billing cycle (Min transaction of Rs. 400)
• On Groceries spends, enjoy savings with 5% monthly cashback
• Enjoy savings with 5% monthly cashback on Bill Payment and Mobile recharge
• Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
• Avail up to 50 interest-free days from date of purchase
• Get Revolving Credit at Nominal interest rate
• Save annually up to Rs 3,600 by simply using the HDFC Bank Bharat credit card

• Avail a joining fee waiver by spending Rs. 20,000 within 90 days of issuance
• Spend Rs.1,00,000 or more in a year, before the Credit Card renewal date and get the renewal fee waived off
• Seamless Digital Onboarding – Enjoy a seamless digital onboarding via PayZapp and receive instant digital credit card
• Customize the credit card – Select merchants of choice to earn cashback, choose card design, and select preferred billing cycle date
• All in One-App – Digitally manage the PIXEL Play credit card from PayZapp. Access features like Card Controls, Rewards, EMI Dashboard, Statements, Repayments, Recent Transactions, Disputes, Hot listing, Help Center, Notifications, and much more
• Avail 5% Cashback on choice of any two packs:
  - Dining & Entertainment Category – BookMyShow & Zomato
  - Travel Category – MakeMyTrip & Uber
  - Grocery Category – Blinkit & Reliance Smart Bazaar
  - Electronics Category – Croma & Reliance Digital
  - Fashion Category – Nykaa & Myntra
• Avail 3% Cashback on choice of any one E-commerce merchant:
  - Amazon or Flipkart or PayZapp 
• Get 1% Unlimited Cashback across all other spends
• Zero lost card liability
• Up to 50 days of interest free period on the PIXEL Play Credit Card from the date of purchase (subject to the submission of the charge by the Merchant) 
• Revolving Credit is available at a nominal interest rate on PIXEL Play Credit Card
• Exclusive Dining Privileges: Cherish amazing dining benefits with Good Food Trail program- Get up to 25% savings off on all restaurant bill payments via Swiggy Dineout (Swiggy Dineout Logo) (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount and is valid only on payments done via Swiggy App
• Upon the accumulation of 1000 PIXEL CashPoints, redeem them easily to the PayZapp Wallet and use them to purchase your choice of brand vouchers within PayZapp digitally 
• Pixel CashPoints are valid for 2 years from the date of accumulation
• Get 1% fuel surcharge waiver at all fuel stations across India on a minimum transaction of Rs. 400 and a maximum transaction of Rs. 5,000

Enjoy hassle-free, one-click instant conversion of the PIXEL Play credit card outstanding balance to EMIs from the PayZapp: 

• EMI Dashboard: Manage all live EMIs within the EMI dashboard from PayZapp
• Flexibility: Choose low-cost and flexible tenures that suit best for your choice of repayment. You may choose between select transactions or outstanding balances
• 100% Digital: No documentation, email, or calling required. Simply convert to EMI and manage EMI repayments fully from the Payzapp

Pros

• Get 1% surcharge waiver and save upto Rs. 250 in every billing cycle (Min transaction of Rs. 400)
• Get 5% monthly cashback on spends on PayZapp/EasyEMI/SmartBUY
• Avail up to 50 interest-free days from date of purchase

Cons

• No Lounge Access
• No Golf benefits

Pros

• Avail 5% Cashback on choice of any two packs ranging from various Categories
• Avail 3% Cashback on choice of any one E-commerce merchant: Amazon or Flipkart or PayZapp 
• Get 1% Unlimited Cashback across all other spends

Cons

• No International or Domestic Airport Lounge access
• No golf or fuel benefits
• No rewards or other travel related benefits