Side-by-side · honest numbers
HDFC Bank PIXEL Play Credit Card vs PhonePe SBI Card SELECT BLACK vs YES BANK POP-CLUB Credit Card
Honest side-by-side comparison of HDFC Bank PIXEL Play Credit Card, PhonePe SBI Card SELECT BLACK, YES BANK POP-CLUB Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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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
PhonePe SBI Card SELECT BLACK
SBI Card
YES BANK POP-CLUB Credit Card
YES 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 | PhonePe SBI Card SELECT BLACK SBI Card | YES BANK POP-CLUB Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,499 | ₹399 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹3,00,000/yr spend | Waived at ₹1,50,000/yr spend |
| Min income | ₹25,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,460/yr | ₹6,697/yr | ₹5,880/yr |
| Online shopping | ₹8,000 × 3% = ₹240/mo (₹2,880/yr) · issuer max ₹500/mo | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) |
| 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 | — | — |
| Utilities & bills | — | ₹367.50 × 10% = ₹36.75/mo (₹441/yr) · issuer max ₹1,500/mo | — |
| Top reward rate | 5% CashPoints | 10% | 10 POPcoins / ₹100 |
| Primary reward cap | ₹500 rewards/mo cap | ₹1,500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 4 domestic airport lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Earns: 1% CashPoints on UPI (RuPay variant) · cap 500 CashPoints/month | Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends | Earns: 2 POPcoins / ₹100 on eligible UPI (modeled at ~1%) · cap Eligible personal spends only |
| Key exclusions | EMI · Rent · Wallet · Fuel (surcharge waiver only) | Fuel · Wallet top-ups · Rent · EMI · Cash advance | Fuel · Rent · Wallet · Utilities · Insurance |
| Bonuses | |||
| Signup bonus | — | ₹1,500 | — |
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https://cardhungry.com/in/en/compare/hdfc-pixel-play-vs-phonepe-sbi-select-black-vs-yes-pop-clubReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Bank PIXEL Play Credit Card ranks first for estimated net annual value — ahead of PhonePe SBI Card SELECT BLACK by about ₹1,763/yr.
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 | PhonePe SBI Card SELECT BLACK SBI Card | YES BANK POP-CLUB Credit Card YES Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,499 | ₹399 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹3,00,000/yr spend | Waived at ₹1,50,000/yr spend |
| Min income | ₹25,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,460/yr | ₹6,697/yr | ₹5,880/yr |
| Online shopping | ₹8,000 × 3% = ₹240/mo (₹2,880/yr) · issuer max ₹500/mo | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo | ₹8,000 × 5% = ₹400/mo (₹4,800/yr) |
| 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 | — | — |
| Utilities & bills | — | ₹367.50 × 10% = ₹36.75/mo (₹441/yr) · issuer max ₹1,500/mo | — |
| Top reward rate | 5% CashPoints | 10% | 10 POPcoins / ₹100 |
| Primary reward cap | ₹500 rewards/mo cap | ₹1,500 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 4 domestic airport lounge visits per year · No minimum spend required for lounge access | None |
| UPI rewards | Earns: 1% CashPoints on UPI (RuPay variant) · cap 500 CashPoints/month | Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends | Earns: 2 POPcoins / ₹100 on eligible UPI (modeled at ~1%) · cap Eligible personal spends only |
| Key exclusions | EMI · Rent · Wallet · Fuel (surcharge waiver only) | Fuel · Wallet top-ups · Rent · EMI · Cash advance | Fuel · Rent · Wallet · Utilities · Insurance |
| Bonuses | |||
| Signup bonus | — | ₹1,500 | — |
Frequently asked questions
- Which card has the lower annual fee?
- YES BANK POP-CLUB Credit Card has the lowest annual fee at ₹399.
- 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.
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