IRCTC HDFC Bank Credit Card vs HDFC Pixel Play Credit Card

• Avail 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
• Get 1 Reward Point for every Rs. 100 spent on all other spends
• Avail an additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
• 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
• Get a 1% transaction charges waiver on transactions done on the IRCTC ticketing website and Rail Connect App
• Spend Rs. 1,50,000 or more in one year before Credit Card renewal and get the renewal fee waived off
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit available at a nominal interest rate
• 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000
• Milestone Benefits: Get a gift voucher valued at Rs. 500 when you make quarterly spends of Rs. 30,000 or more (every 90 days from the date of issue)
• IRCTC Executive Lounge Benefits: Get 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
• It is now possible to link IRCTC HDFC Bank Credit Card to select UPI apps: PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice
• A maximum of 500 reward points can be earned on UPI spends in a calendar month using the IRCTC HDFC Bank Credit Card
• Convert big spends into EMI after purchase
• The IRCTC HDFC Bank 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

• Complimentary access to Executive Lounges of IRTC
• 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
• Get 1 Reward Point for every Rs. 100 spent on all other spends

Cons

• No golf benefits are provided
• No airport lounge access
• No movie and dining 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