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HDFC Bank

Explore Pixel Play Credit Card

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Basic Information

Welcome Benefits Joining Fee Waiver: Spend ₹20,000 within first 90 days of card issuance and get joining fee waived

Card Details Card Name: HDFC Bank PIXEL Play Credit Card; Bank Name: HDFC Bank; Card Type: Credit Card; Network: Visa / RuPay

Payment Network visa, rupay

Eligibility Salaried: Indian, minimum age 21 years, maximum 60 years, monthly income ₹25,000; Self-Employed: Indian, minimum age 21 years, maximum 65 years, annual ITR > ₹6 lakh

Rewards Program

Reward Points PIXEL CashPoints: 1 CashPoint = ₹1; Validity: 2 years from accumulation; Minimum Redemption: 1,000 CashPoints

Cashback 5% Cashback: Choose any 2 packs — Dining & Entertainment (BookMyShow + Zomato), Travel (MakeMyTrip + Uber), Grocery (Blinkit + Reliance Smart Bazaar), Electronics (Croma + Reliance Digital), Fashion (Nykaa + Myntra); 5% SmartBuy: eligible SmartBuy categories; 3% Cashback: choose any 1 — PayZapp, Amazon or Flipkart; 1% Cashback: all other eligible spends; 1% UPI Cashback: RuPay variant only; 5%/3%/UPI cashback capped at 500 CashPoints per month, while 1% other-spend cashback is unlimited subject to applicable terms

Redemption Redemption: PIXEL CashPoints can be redeemed through the Rewards section of PayZapp; redeemed points transfer to PayZapp CashPoint account; minimum 1,000 points required

Travel Benefits

Travel Offers Travel Cashback: 5% on selected Travel Pack — MakeMyTrip & Uber; SmartBuy: 5% on eligible Flights, Hotels, Bus, Rail and other specified SmartBuy categories

Forex Benefits International Usage: 3.5% forex markup

Shopping Benefits

Online Shopping Amazon: 3% cashback if selected as the chosen e-commerce platform; Flipkart: 3% cashback if selected; PayZapp: 3% cashback if selected; Nykaa/Myntra: 5% cashback when Fashion Pack is selected

Offline Shopping Electronics: 5% cashback on Croma & Reliance Digital when Electronics Pack is selected

Brand Offers Selected Brands: BookMyShow, Zomato, MakeMyTrip, Uber, Blinkit, Reliance Smart Bazaar, Croma, Reliance Digital, Nykaa, Myntra, Amazon, Flipkart and PayZapp under applicable cashback selections

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1% on eligible fuel transactions of ₹400–₹5,000; maximum waiver ₹250 per statement cycle

Dining & Entertainment

Dining Swiggy Dineout: up to 10% discount on eligible restaurant bill payments; maximum discount ₹200 per transaction, applicable twice a month on transactions above ₹2,000; additionally, Zomato can be selected under 5% cashback pack

Movies BookMyShow: 5% cashback when Dining & Entertainment Pack is selected

Entertainment Entertainment Cashback: 5% on BookMyShow when Dining & Entertainment Pack is selected

Daily Spending Benefits

Grocery Grocery Cashback: 5% on Blinkit & Reliance Smart Bazaar when Grocery Pack is selected

Insurance & Protection

Insurance Insurance Transactions: CashPoints subject to applicable eligibility; insurance CashPoints are capped at 2,000 CashPoints per day

Digital Features

Payments Contactless Payment: Tap & Pay; Swipe to Pay: supported; UPI: Scan & Pay available on PIXEL RuPay Credit Card

Mobile Wallet PayZapp: Full card management, rewards, EMI, statements and repayments through PayZapp; UPI support on RuPay variant

Banking Features Digital Card Management: Card controls, online/contactless/international usage controls, transaction limits, rewards, EMI Dashboard, statements, repayments, disputes, hotlisting and notifications through PayZapp

Add-on Features

EMI Features Pay in Parts: Eligible transactions/outstanding balance can be converted to EMI through PayZapp; EMI Dashboard for managing live EMIs

Bill Payments Repayment: UPI, Debit Card, NetBanking and eligible third-party BBPS-enabled apps; digital statements available through PayZapp/MyCards

Fees & Charges

Joining Charges Joining Fee: ₹500 + applicable taxes

Annual Charges Annual/Renewal Fee: ₹500 + applicable taxes; Annual Fee Waiver: Spend ₹1,00,000 or more in a year before renewal date

Finance Charges Interest: 3.60% per month / 43.20% per annum; Late Payment Fee: ₹0 up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹750 for ₹5,001–₹10,000; ₹900 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 above ₹50,000

Cash Advance Charges Cash Withdrawal Fee: 2.5% of amount withdrawn or ₹500, whichever is higher; finance charges apply from withdrawal date until full payment

EMI Charges EMI Facility: Convert eligible transactions/outstanding balance into EMI through PayZapp; EMI Processing: applicable processing charges/tenure terms shown in PayZapp

Forex Charges Forex Markup: 3.5% of international transaction value

Other Charges Card Reissue: ₹199 + GST for loss/theft/damage; Railway/IRCTC Ticket Fee: 1% of transaction amount + GST; Rent Pay: 1% fee subject to applicable terms

Customer Support

Service Help Center: FAQs/service support available directly through PayZapp; card servicing features available digitally

Performance & Ratings

Best Usage Best For: Cashback, Shopping, Dining, Grocery, Travel/commute and digital payments

Advantages Pros: Customisable cashback packs; up to 5% cashback on selected categories; 3% on one selected e-commerce platform; 1% on eligible other spends; RuPay UPI cashback; fuel surcharge waiver; PayZapp digital management; customisable billing cycle/card design; EMI conversion

Limitations Cons: 5%/3%/RuPay UPI cashback has monthly caps; cashback exclusions include fuel, wallet spends, rent, government transactions, EMI transactions and cash advances; 3.5% forex markup; selected benefits require choosing merchants/packs

Instant Check Eligibility | Pixel Play Credit Card

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About Pixel Play

Explore HDFC Pixel Play Credit Card with cashback rewards, online shopping offers, entertainment benefits and digital payment features.

Frequently Asked Questions About Pixel Play Credit Card

What are the main benefits of the HDFC Pixel Play Credit Card for online shoppers?

The HDFC Pixel Play Credit Card is designed for customers who want flexible cashback and personalised shopping benefits. Cardholders can earn 5% cashback on two selected merchant packs, 3% cashback on one chosen e-commerce platform such as Amazon, Flipkart or PayZapp, and 1% cashback on other eligible retail spends. These benefits make it a useful option for customers who regularly shop online and prefer choosing rewards according to their spending habits.

How can I apply for an HDFC Pixel Play Credit Card online in India?

You can apply for the HDFC Pixel Play Credit Card online through the HDFC Bank website or the PayZapp application. Visit the Sum New Victory website to explore the card details and application assistance. The application process generally involves checking your eligibility, providing personal and income details, completing the required verification and video KYC (if requested), and waiting for the bank's approval.

What is the minimum salary required for HDFC Pixel Play Credit Card eligibility?

For salaried applicants, HDFC Bank specifies a minimum age of 21 years and a maximum age of 60 years, with a gross monthly income above ₹25,000. Self-employed applicants must generally be between 21 and 65 years old and have an annual ITR above ₹6 lakh. Final eligibility depends on the bank's internal assessment, credit profile and verification requirements.

How does the 5% cashback benefit work on HDFC Pixel Play Credit Card?

The HDFC Pixel Play Credit Card allows customers to select any two cashback packs from Dining and Entertainment, Travel, Grocery, Electronics and Fashion. Each pack includes two partner merchants. Eligible purchases at the selected merchants earn 5% cashback in the form of PIXEL CashPoints, subject to a combined monthly cashback cap of 500 CashPoints for this category. Customers should check the applicable merchant and transaction conditions before making purchases.

Which online shopping platforms offer 3% cashback on HDFC Pixel Play Credit Card?

HDFC Pixel Play Credit Card customers can select one eligible e-commerce platform from Amazon, Flipkart or PayZapp to receive 3% cashback on qualifying purchases. The cashback is credited as PIXEL CashPoints, with a monthly limit of 500 CashPoints for this cashback category. The selected platform and applicable terms determine the qualifying transactions.

Is HDFC Pixel Play Credit Card available on RuPay, and can it be used for UPI payments?

Yes, the HDFC Pixel Play Credit Card is available with a RuPay network option. Eligible RuPay cardholders can link their credit card to supported UPI applications and make merchant payments by scanning QR codes. The RuPay variant also offers 1% cashback on eligible UPI spends, subject to a monthly limit of 500 CashPoints and applicable exclusions. UPI payments to individuals are not supported.

What are the joining fees and annual charges of HDFC Pixel Play Credit Card?

The HDFC Pixel Play Credit Card carries a joining fee of ₹500 plus applicable taxes and a renewal fee of ₹500 plus applicable taxes. However, customers can get the joining fee waived by spending ₹20,000 within the first 90 days of card issuance. The renewal fee can also be waived by spending ₹1 lakh or more during the preceding 12 months before the renewal date.

Can I convert HDFC Pixel Play Credit Card purchases into EMI without visiting a bank branch?

Yes, eligible purchases and outstanding balances on the HDFC Pixel Play Credit Card can be converted into EMIs through the PayZapp application. Customers can access the EMI dashboard, review available repayment options and manage eligible EMI transactions digitally. Interest rates, processing fees and repayment tenures depend on the bank's applicable EMI terms.

Does HDFC Pixel Play Credit Card provide cashback on all transactions?

The HDFC Pixel Play Credit Card offers 1% cashback on eligible regular retail spends, along with additional cashback opportunities through selected merchant packs and e-commerce platforms. However, certain transactions, including fuel, wallet loads, rent payments, government transactions, cash advances, EMI transactions and card fees, are excluded from earning CashPoints. Therefore, cashback depends on the transaction category and the applicable terms and conditions.

How can I redeem HDFC Pixel Play Credit Card cashback and check my reward balance?

Cashback earned through the HDFC Pixel Play Credit Card is credited as PIXEL CashPoints. Customers can check their accumulated CashPoints through the rewards section of the PIXEL dashboard in PayZapp. Once 1,000 CashPoints have accumulated, they can be redeemed into the PayZapp Wallet or used to purchase eligible brand vouchers available within the application. PIXEL CashPoints remain valid for two years from their accumulation date.

Is HDFC Pixel Play Credit Card a good option for customers who want customised credit card rewards?

The HDFC Pixel Play Credit Card can be a suitable choice for customers who want to personalise their cashback preferences instead of receiving rewards from fixed spending categories. Its selectable merchant packs, e-commerce cashback options, digital card management, EMI conversion facility and RuPay UPI payment support offer flexibility for different spending habits. However, customers should compare the annual fee, cashback limits, exclusions and repayment costs before applying.