HDFC Regalia Credit Card vs HDFC Pixel Play Credit Card

• Complimentary Airport Lounge Access within India: Lounge access program will now be based on the credit card spends. Spend Rs. 1 Lakh or more in a calendar quarter (Jan-Mar | Apr-Jun |Jul-Sept | Oct-Dec). Choose up to 2 complimentary lounge access vouchers as your Quarterly Milestone Benefit
• International Lounge access using priority pass is not based on spends: Cardholders can apply for Priority Pass once they complete minimum 4 retail transactions on the card. Do note that Rupay cards are not eligible for priority pass. Using Priority Pass, avail up to 6 Complimentary Lounge Access per calendar year, outside India 
• 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5000
• Enjoy dining benefits with the Good Food Trail program: Get up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). This offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done via the Swiggy App
• Zero Lost card liability
• Foreign Currency Markup: 3.5% on all foreign currency spends
• Get Revolving Credit at nominal interest rate
• 24/7 Concierge Services
• Milestone Benefit: Avail 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs and additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs in an anniversary year
• Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year
• Convert big spends into EMI after purchase
• Accidental air death cover worth Rs. 1 Crore
• Emergency overseas hospitalization up to Rs. 15 lakhs
• Lost Card Liability Cover : Up to Rs 9 lakhs  
• On retail spends including Insurance, earn 4 reward points on Rs. 150
• Get 10,000 Reward Points on annual spends of Rs. 5 lakhs
• Get additional 5,000 Reward Points on annual spends of Rs. 8 lakhs

• 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

• Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.
• Accidental air death cover worth Rs. 1 Crore
• Fuel Surcharge Waiver

Cons

• Slightly high Annual Fee
• No golf/coaching sessions

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