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