HDFC Pixel Play Credit Card
Fees
₹500 + Taxes
Joining & annual
Reward Rate
1% unlimited cashback on all spends; plus 5% on 2 chosen merchant packs (capped 500 pts/month) and 3% on 1 chosen e-commerce merchant like Amazon/Flipkart (capped 500 pts/month)
Welcome Bonus
500 PayZapp CashPoints on card setup & fee payment
Lounge
No Lounge Access
Our Expert Take
The HDFC Pixel Play Credit Card features customizable 5% cashback on 2 chosen online brands and 3% on dining/entertainment controlled digitally via PayZapp.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
5% on your 2 chosen brand packs
Max 500 CashPoints per month
Reached after about ₹10,000 of spend
-
3% on your chosen e-commerce site
Max 500 CashPoints per month
Reached after about ₹16,667 of spend
-
5% on SmartBuy
Max 500 CashPoints per month
Reached after about ₹10,000 of spend
-
1% on all other spends
Max 15,000 CashPoints per month
Where this card earns most
Paying directly in the app or site · 1% on other spends
Pros & Cons
Key Advantages
- 5% cashback on 2 chosen merchant packs, capped at 500 points/month
- 3% cashback on 1 chosen e-commerce merchant like Amazon or Flipkart, capped at 500 points/month
- 1% uncapped cashback on all other retail spending
- 100% digital card issuance and control via HDFC PayZapp app
Limitations
- 5% and 3% tiers each capped at 500 points/month; 1% base rate is uncapped
- Requires PayZapp app for rewards management and category selection
- Fee waiver threshold of ₹1 Lakh is slightly higher than basic cards
Key Perks & Spending Milestones
5% cashback on 2 chosen merchant packs, capped at 500 points/month
3% cashback on 1 chosen e-commerce merchant like Amazon or Flipkart, capped at 500 points/month
1% uncapped cashback on all other eligible retail transactions
Instant digital card issuance and customizable card design via PayZapp app
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000
Spend milestone
Annual fee waived on retail spends of ₹1 Lakh in a membership year
Fees & Charges
Joining fee
₹500 + Taxes
Annual fee
₹500 + Taxes
Annual fee waived on ₹1 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Nil
lost card liability
Up to ₹50,000
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 60 years
Credit score & income
Good (720+)
Frequently Asked Questions
How does the customizable cashback work on HDFC Pixel Play?
Do I need the PayZapp app to use Pixel Play?
What's the fee waiver threshold on Pixel Play?
Compare HDFC Pixel Play Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| HDFC Pixel Play Credit Card This Card | ₹500 + Taxes | 1% unlimited cashback on all spends; plus 5% on 2 chosen merchant... | No Lounge Access | 4.4/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends, capped ₹2,000/statement cycle; 1%... | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |