Side-by-side · honest numbers
HDFC Bank PIXEL Play Credit Card vs HDFC Regalia Gold
Honest side-by-side comparison of HDFC Bank PIXEL Play Credit Card, HDFC Regalia Gold — 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 Bank PIXEL Play Credit Card
HDFC Bank
HDFC Regalia Gold
HDFC Bank
Your adjusted comparison
| Feature | 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 | HDFC Regalia Gold HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹2,500 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | ₹4,00,000/yr |
| Min income | ₹25,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹8,460/yr | -₹670/yr |
| Online shopping | ₹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 | 5% CashPoints | 5 RP/₹200 |
| Primary reward cap | ₹500 rewards/mo cap | ₹15,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC |
| UPI rewards | Earns: 1% CashPoints on UPI (RuPay variant) · cap 500 CashPoints/month | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per HDFC MITC |
| Key exclusions | EMI · Rent · Wallet · Fuel (surcharge waiver only) | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹2,500 |
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-pixel-play-vs-hdfc-regalia-goldReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Bank PIXEL Play Credit Card leads HDFC Regalia Gold by about ₹9,130/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 Bank PIXEL Play Credit Card HDFC Bank | HDFC Regalia Gold HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | ₹2,500 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | ₹4,00,000/yr |
| Min income | ₹25,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹8,460/yr | -₹670/yr |
| Online shopping | ₹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 | 5% CashPoints | 5 RP/₹200 |
| Primary reward cap | ₹500 rewards/mo cap | ₹15,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | None | Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC |
| UPI rewards | Earns: 1% CashPoints on UPI (RuPay variant) · cap 500 CashPoints/month | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per HDFC MITC |
| Key exclusions | EMI · Rent · Wallet · Fuel (surcharge waiver only) | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹2,500 |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bank PIXEL Play 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 Bank PIXEL Play Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
More HDFC Bank PIXEL Play Credit Card comparisons
- HDFC Bank PIXEL Play Credit Card vs 811 Dream Different Credit Card
- HDFC Bank PIXEL Play Credit Card vs AU Altura Credit Card
- HDFC Bank PIXEL Play Credit Card vs AU Altura+ Credit Card
- HDFC Bank PIXEL Play Credit Card vs AU LIT Credit Card
- HDFC Bank PIXEL Play Credit Card vs AU Zenith Credit Card
- HDFC Bank PIXEL Play Credit Card vs American Express Gold Card
- HDFC Bank PIXEL Play Credit Card vs American Express Platinum Travel Card
- HDFC Bank PIXEL Play Credit Card vs American Express SmartEarn Credit Card
- HDFC Bank PIXEL Play Credit Card vs Amex Membership Rewards CC
- HDFC Bank PIXEL Play Credit Card vs Axis Bank ACE Credit Card
- HDFC Bank PIXEL Play Credit Card vs Axis Bank Airtel Credit Card
- HDFC Bank PIXEL Play Credit Card vs Axis Bank Atlas Credit Card