HDFC Business MoneyBack Credit Card vs HDFC Pixel Play Credit Card

• Gain 2X Reward Points, 4 Reward Points, on every Rs. 150 spent online
• Avail 2 Reward Points on all other retail spends, excluding wallet, EMI, and petrol, for every Rs. 150 spent
• Use HDFC Bank Business Moneyback Credit Card for Vendor/supplier and GST payments and enjoy up to 50 days of interest-free credit period
• Earn 2,500 Bonus Reward Points on spends of Rs. 1.8 lakhs or more within your anniversary year
• Redeem reward points as cashback against the statement
• Get 5X Reward Points on Fuel with a maximum 1000 points per month in the first year
• Do note that effective 1st October 2023, 5X RP on fuel transactions will be discontinued
• Up to 50 days interest-free credit period
• Avail 5% Monthly Cashback on Business Essential Spends such as electricity bills, telephone and internet bills, Government and Tax Payments
•  Get up to Rs.250 cashback per statement with a minimum monthly spend of Rs.10,000. This offer is applicable only in the first year
• Get 5% cashback on GST payments using Business Credit Card. Offer valid only for the first year after card issuance
• Avail up to 4 Reward Points on every Rs. 150 spent for business payment, redeem reward points to pay credit card bill
• Register your credit card with SmartPay, HDFC Bank's utility bill payment service, and ensure that your utility bills are paid on time, conveniently and easily. You can get an assured cashback of up to Rs. 1800 in the first year, as well as exciting e-vouchers worth up to Rs. 800 for adding two or more bills on Smart Pay
• Zero Lost card liability
• Enjoy Revolving Credit at a nominal interest rate
• 1% fuel surcharge waiver at all fuel stations across India on minimum transactions of Rs. 400 and maximum transactions of Rs. 5000
• Experience wonderful dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bills at 20,000+ restaurants with Swiggy Dineout. This offer includes discounts from both the restaurant and Swiggy. Valid only for payments made through the Swiggy app
• Milestone Benefit: Earn Bonus 2,500 Bonus Reward Points when spending Rs. 1.8 lakhs in the anniversary year
• Renewal Offer: If you spent Rs.50,000 or more in the previous year, your renewal fee will be waived off
• Convert big spends into EMI after purchase
• The HDFC Bank Business Moneyback Credit Card is equipped with contactless payment technology for added convenience and speed

• 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

• Gain 2X Reward Points, 4 Reward Points, on every Rs. 150 spent online
• Avail 2 Reward Points on all other retail spends, excluding wallet, EMI, and petrol, for every Rs. 150 spent
• Avail 5% Monthly Cashback on Business Essential Spends 

Cons

• No golf benefits are provided
• No airport lounge access

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