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Credit Cards · India

HDFC Bank Pixel Play Credit Card

Updated 3 Jul 2026Source-linked

The HDFC Bank Pixel Play Credit Card is a entry credit card from HDFC Bank, with a joining fee of ₹500 + GST.

It earns up to 5% on user chosen packs spends in the form of cashback.

HDFC Bank logo
HDFC Bank Pixel Play Credit Card
RuPay logo
  • Joining Fee₹500
  • Annual Fee₹500
  • Best Suited ForCashback
  • Reward TypeCashback
Rewards Rate
  • 5% on user chosen packs (cap 500 cashback inr / monthly)
  • 5% on smartbuy (cap 500 cashback inr / monthly)
  • 1% on upi (cap 500 cashback inr / monthly)
  • Base 1.00% on other spends
Welcome Benefits
  • Not applicable
Data verified 3 Jul 2026 — see our methodology
HDFC Bank logoHDFCRuPay logoselectentry
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Rewards and Benefits

Rewards Rate
5% on user chosen packs (cap 500 cashback inr / monthly)
5% on smartbuy (cap 500 cashback inr / monthly)
1% on upi (cap 500 cashback inr / monthly)
Base 1.00% on other spends.
Reward Redemption
Redeem at ₹1 per unit.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
  • Digital-first card — Fully digital onboarding, no physical card by default; spend categories configurable in PayZapp.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Online shopping₹450/mo

    You spend ₹15,000 · earns 3.0% = ₹450 uncapped

    • Capped at ₹500/mo

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Groceries₹8,000 · 1.0% = ₹80/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹80/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.0% = ₹100/mo

    Travel & hotels — earns base; accelerated rate needs booking via smartbuy

  • Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹9,120/yr

₹9,120 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • entry card issued by HDFC Bank.
  • Joining / annual fee of ₹500 + GST, waived on annual spends of ₹1,00,000.
  • Available on the RuPay network.

Pros & Cons

Pros
  • Annual fee waivable on ₹1,00,000 spend.
  • Accelerated earn worth ≈5.0% on user chosen packs.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 5% on user chosen packs (cap 500 cashback inr / monthly)
    5% cashback on 2 self-selected merchant packs (e.g. Swiggy+Zomato, Amazon+Flipkart, travel). Uber (Travel pack) earns 5% only on travel/commute MCC 4121 & 7512.
  • 5% on smartbuy (cap 500 cashback inr / monthly)
    5% CashPoints on spends via HDFC SmartBuy.
  • 1% on upi (cap 500 cashback inr / monthly)
    1% CashPoints on UPI spends (RuPay variant).
  • 3% on online other (cap 500 cashback inr / monthly)

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi
  • government
  • cash advance

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.

Other benefits

  • Digital-first card. Fully digital onboarding, no physical card by default; spend categories configurable in PayZapp.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–60
Credit score
720+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
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