HDFC Pixel Go Credit Card vs HDFC Moneyback Credit Card
Joining Fees
₹250
₹500
Editor's Rating
3.2
3.3
Key Features
- Joining benefits: Avail a joining fee waiver by spending Rs. 10,000 within 90 days of issuance
- In a year, spend Rs. 50,000 or more before the Credit Card's renewal date and get the renewal fee waived off
- Hassle-free, one-click instant conversion of the PIXEL Go credit card outstanding balance to EMIs from the PayZapp
- Zero lost card liability
- Interest Free Credit Period: Get up to 50 days of interest free credit period from the date of purchase
- Revolving Credit is available at a nominal interest rate
- Avail up to 25% off on all restaurant bill payments via Swiggy Dineout. Choose from 20000 + restaurants, and the offer is inclusive of Restaurant and Swiggy Discount. It is valid only on payments done via the Swiggy App
- 1% unlimited cashback on all eligible transactions
- When accumulation of 500 PIXEL CashPoints is reached, 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 in India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
- You’ll receive Welcome Benefit of 500 Cash Points that’s applicable only on the payment of the membership fee
- In the first 90 days, spend Rs. 20000 or above and get first-year membership fee waived off
- Accumulate and redeem reward points for cash-back against outstanding amount on your Credit Card (100 points = Rs. 20)
- In the first year, spend Rs. 50,000 or above and get renewal membership fee waived off
- Earn 2 Reward Points on every Rs 150 spent
- Every quarter receive a gift voucher worth Rs. 500 on spends of Rs 50,000. Get up to Rs. 2,000 worth of gift vouchers in a year
- While doing online shopping, earn 4 reward points for every Rs 150 you spend online with the card. (With effect from 15th July 2020, customers can get up to 500 Reward Points per statement cycle for the online spends, under the 2X RP feature.)
- Spend Rs 50,000 in a Quarter and avail Rs 500 worth E-Voucher
- Renew membership for free by just spending Rs. 50,000 in a year before the renewal date
- 1% fuel surcharge waiver at any fuel stations in India, on minimum transaction Rs. 400 and Max CashBack of Rs. 250 per statement cycle
- If your HDFC Moneyback Credit Card gets lost, report immediately and avail zero liability on any fraudulent transactions made on the Credit Card
Rewards Rate:
- Reward Points accumulated can be redeemed against statement balance at the rate 1 RP = Rs. 0.20
- Reward Points can even be used to redeem against travel benefits such as Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal: 1 CashPoint = Rs. 0.25
Editor's Review
Pros
- In a year, spend Rs. 50,000 or more before the Credit Card's renewal date and get the renewal fee waived off
- Shop Now and Pay in Parts with flexible low cost EMIs
- Up to 25% discount on partner restaurants via Swiggy Dineout
Cons
- No Golf benefits
- No airport lounge access
- No rewards as such
Pros
- Zero liability on the lost card if reported immediately
- With the EMV Chip technology presented in the card, stay protected against fraud
- Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate
Cons
- The Reward points are only valid for 2 years
- No complimentary Airport Lounge Access
- High-interest rate of 3.49%
