HDFC Bank PIXEL Times Rush Credit Card

The HDFC PIXEL Credit Card series has quickly gained popularity in the Indian credit card market, offering several innovative and first-of-its-kind benefits, including pre-access to concert tickets. The series initially featured the HDFC PIXEL Play and PIXEL Go Credit Cards. Now, through its partnership with Times Internet, HDFC Bank has expanded the portfolio with the HDFC PIXEL Times RUSH and HDFC PIXEL Times MOVE Credit Cards. Among the two, the RUSH variant is the more premium offering, carrying a joining and annual fee of ₹1,000 + GST.

The HDFC PIXEL Times RUSH Credit Card is designed as a digital-first card that gives users the flexibility to customize their benefits while offering entertainment perks and exclusive access to experiences through Times. On the rewards front, the card offers 10X Reward Points on selected brand packs, with users able to choose any two packs from the available options.

These packs include Food & Grocery – Swiggy & Zepto, Travel – Cleartrip & Uber, Lifestyle – Decathlon & Urban Company, and E-Commerce – Amazon & Flipkart. The wide range of brands makes the card particularly interesting, as users can select the two packs that best match their spending patterns. In addition, the card offers 5X Reward Points on SmartBuy and earns Reward Points on UPI transactions as well.

While the HDFC PIXEL Times RUSH is primarily positioned as a digital-first credit card and can be applied for through the PayZapp app, customers also receive a physical credit card, making it a more complete offering for everyday spending.

Product Details

• Cardholders get 10X Reward Points on 2 selected brand packs. They also earn 5X Reward Points on SmartBuy spends.
• Cardholders earn 2 Reward Points per ₹200 on UPI and other eligible spends.
• Welcome benefit includes 6 months of Sony LIV Premium and 4 months of Spotify Premium Standard.
• Cardholders get access to Times online, offline, and premium events once every quarter.
• Redeem Reward Points through PayZapp Wallet at 1 RP = ₹0.25.

Welcome Benefits

The HDFC PIXEL Times RUSH Credit Card offers the following welcome and entertainment benefits:

• 6 Months Sony LIV Premium
• 4 Months Spotify Premium Standard for new Spotify Premium users
• 12.5% Off on PUMA, Twice Every Quarter

Welcome benefits are available after card activation. A joining fee of ₹1,000 + GST is required to access these benefits. You can avail the welcome benefits 24 hours after the card is activated.

Rewards Earning

The HDFC PIXEL Times RUSH Credit Card offers 10X Reward Points per ₹200 spent on any two selected brand packs. Cardholders can choose two packs from Swiggy & Zepto, Cleartrip & Uber, Decathlon & Urban Company, or Amazon & Flipkart.

The card also offers 5X Reward Points per ₹200 spent on eligible SmartBuy transactions. SmartBuy rewards are applicable on flights, hotels, bus, rail, instant vouchers, and Apple Imagine Tresor. Additionally, cardholders earn 2 Reward Points per ₹200 spent on UPI and other eligible transactions.

The 10X and 5X reward categories are capped at 2,000 Reward Points per billing cycle. A minimum transaction of ₹200 and multiples of ₹200 are considered for Reward Points posting.

Reward Exclusions

No Reward Points are earned on:

• Fuel Spends
• Wallet Spends
• Rent Payments
• Government Transactions
• EMI Transactions
• Purchases Converted to EMI
• Cash Advances
• Outstanding Balance Payments
• Card Fees and Other Charges

Event Benefits

The HDFC PIXEL Times MOVE Credit Card offers access to Times events once every quarter:

• Online Event: Complimentary, available for a nominal ₹1 charge.
• Offline Event: Available once per quarter at applicable charges in Delhi, Mumbai, Bengaluru and Hyderabad.
• Premium Event: Available once per quarter at applicable charges.

Event listings are dynamic and may change every quarter.

Entertainment Benefits

The HDFC Bank PIXEL Times MOVE Credit Card offers monthly discounts on movie bookings through BookMyShow and Cinépolis.

BookMyShow

Cardholders get a 25% instant discount on movie tickets, up to ₹350 per transaction, with a maximum of 2 discounted tickets per month. An additional ₹50 off on F&B is available once per month when the F&B order is placed along with the movie ticket booking in the same transaction.

The offer is available on the BookMyShow website and app and applies only to movie ticket bookings. Internet handling fees are charged separately.

Cinépolis

Cardholders get 25% off on online movie ticket bookings, up to ₹100, once per month. The offer is valid on eligible Cinépolis cinemas listed on its digital channels and cannot be combined with other ongoing offers or discounts.

Eligibility Criteria for HDFC PIXEL Times RUSH Credit Card

Salaried individuals must be between 21 and 60 years of age with a gross monthly income exceeding ₹8,000. Self-employed applicants should be between 21 and 65 years of age and have an annual income of more than ₹6 lakh, as reflected in their Income Tax Returns. The card is currently not available to existing HDFC Bank Credit Card holders. Approval is subject to HDFC Bank’s internal eligibility criteria.

Bottom Line

The HDFC PIXEL Times RUSH Credit Card is an innovative offering following in the footsteps of its predecessors and certainly does not disappoint. With a wide variety of dining, entertainment, lifestyle, and rewards benefits, this card can be especially attractive to youngsters looking to have more fun while earning rewards and saving on their everyday spends.

The card’s biggest strength is its 10X Reward Points on two selected brand packs, allowing cardholders to choose between Swiggy & Zepto, Cleartrip & Uber, Decathlon & Urban Company, or Amazon & Flipkart based on their spending habits. At 10 RPs per ₹200 spent, with each RP worth ₹0.25, the card offers an effective reward rate of 1.25%. This could be better; the card has plenty of lifestyle and event benefits that justify the cost. With a cap of 2,000 RPs per billing cycle, the 10X rewards apply to spends up to ₹40,000 per cycle.

At a ₹1,000 + GST annual fee, the HDFC PIXEL Times RUSH Credit Card is worth considering if you regularly spend with the eligible brand packs and can make use of its entertainment benefits.