Side-by-side · honest numbers
HDFC MoneyBack+ Credit Card vs HDFC Bank PIXEL Play Credit Card
Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, HDFC Bank PIXEL Play Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
HDFC MoneyBack+ Credit Card
HDFC Bank
HDFC Bank PIXEL Play Credit Card
HDFC Bank
Your adjusted comparison
| Feature | HDFC MoneyBack+ Credit Card HDFC Bank | HDFC Bank PIXEL Play 4532 6175 2147 1644 Valid thru 12/28 Acc CREDIT Card holder HDFC BANK PIXEL PLAY C Customer service HDFC Bank · 1800-XXX-XXXX Authorized signature CVV••• HDFC Bank PIXEL Play Credit Card Top reward: 5% CashPoints Annual fee: ₹500 Min income: ₹25,000/mo Property of HDFC Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back HDFC Bank PIXEL Play Credit Card HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹500 |
| Fee waiver threshold | Waived at ₹50,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹948/yr | ₹8,460/yr |
| Online shopping | ₹2,400 → 240 pts/mo × ₹0.25/pt = ₹60/mo (₹720/yr) | ₹8,000 × 3% = ₹240/mo (₹2,880/yr) · issuer max ₹500/mo |
| Groceries (offline) | — | ₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹500/mo |
| Dining & delivery | — | ₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹500/mo |
| Top reward rate | 10X points | 5% CashPoints |
| Primary reward cap | ₹2,500/mo | ₹500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Earns: 2 CashPoints per ₹200 on UPI spends (RuPay variant) · cap 500 points/month on UPI | Earns: 1% CashPoints on UPI (RuPay variant) · cap 500 CashPoints/month |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet · Fuel (surcharge waiver only) |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-moneyback-plus-vs-hdfc-pixel-playReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Bank PIXEL Play Credit Card leads HDFC MoneyBack+ Credit Card by about ₹7,512/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | HDFC MoneyBack+ Credit Card HDFC Bank | HDFC Bank PIXEL Play Credit Card HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹500 |
| Fee waiver threshold | Waived at ₹50,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹948/yr | ₹8,460/yr |
| Online shopping | ₹2,400 → 240 pts/mo × ₹0.25/pt = ₹60/mo (₹720/yr) | ₹8,000 × 3% = ₹240/mo (₹2,880/yr) · issuer max ₹500/mo |
| Groceries (offline) | — | ₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹500/mo |
| Dining & delivery | — | ₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹500/mo |
| Top reward rate | 10X points | 5% CashPoints |
| Primary reward cap | ₹2,500/mo | ₹500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Earns: 2 CashPoints per ₹200 on UPI spends (RuPay variant) · cap 500 points/month on UPI | Earns: 1% CashPoints on UPI (RuPay variant) · cap 500 CashPoints/month |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet · Fuel (surcharge waiver only) |
| Bonuses | ||
| Signup bonus | ₹500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC MoneyBack+ Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- HDFC Bank PIXEL Play Credit Card leads with an estimated ₹8,460/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More HDFC MoneyBack+ Credit Card comparisons
- HDFC MoneyBack+ Credit Card vs 811 Dream Different Credit Card
- HDFC MoneyBack+ Credit Card vs AU Altura Credit Card
- HDFC MoneyBack+ Credit Card vs AU Altura+ Credit Card
- HDFC MoneyBack+ Credit Card vs AU LIT Credit Card
- HDFC MoneyBack+ Credit Card vs AU Zenith Credit Card
- HDFC MoneyBack+ Credit Card vs American Express Gold Card
- HDFC MoneyBack+ Credit Card vs American Express Platinum Travel Card
- HDFC MoneyBack+ Credit Card vs American Express SmartEarn Credit Card
- HDFC MoneyBack+ Credit Card vs Amex Membership Rewards CC
- HDFC MoneyBack+ Credit Card vs Axis Bank ACE Credit Card
- HDFC MoneyBack+ Credit Card vs Axis Bank Airtel Credit Card
- HDFC MoneyBack+ Credit Card vs Axis Bank Atlas Credit Card