Side-by-side · honest numbers
HDFC Bank PIXEL Play Credit Card vs IDFC FIRST WOW Credit Card
Honest side-by-side comparison of HDFC Bank PIXEL Play Credit Card, IDFC FIRST WOW 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
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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
IDFC FIRST WOW Credit Card
IDFC FIRST 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 | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹8,460/yr | ₹620/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 | 1X reward points |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Earns: 1% CashPoints on UPI (RuPay variant) · cap 500 CashPoints/month | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs |
| Key exclusions | EMI · Rent · Wallet · Fuel (surcharge waiver only) | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹8,810/yr combined NAV (₹350 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/hdfc-pixel-play-vs-idfc-first-wowReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Bank PIXEL Play Credit Card leads IDFC FIRST WOW Credit Card by about ₹7,840/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 | IDFC FIRST WOW Credit Card IDFC FIRST Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Lifetime free |
| Min income | ₹25,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹8,460/yr | ₹620/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 | 1X reward points |
| Primary reward cap | ₹500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | None |
| UPI rewards | Earns: 1% CashPoints on UPI (RuPay variant) · cap 500 CashPoints/month | Earns: Reward points on eligible spends via UPI and card · cap Lifetime-free; standard earn caps per IDFC T&Cs |
| Key exclusions | EMI · Rent · Wallet · Fuel (surcharge waiver only) | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST WOW Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- 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.
- Which cards are secured (FD-backed)?
- IDFC FIRST WOW Credit Card is secured — useful for thin credit files without a bureau pull at application.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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