HDFC Pixel Play Credit Card
Fees
₹500 + Taxes
Joining & AnnualReward Rate
5% cashback on 2 chosen key merchant packs; 3% cashback on chosen category
Welcome Bonus
500 PayZapp CashPoints on card setup & fee payment
Lounge Access
No Lounge Access
FindMyCard 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.
Pros & Cons
Key Advantages
- Customizable 5% cashback on 2 key merchants of your choice (Amazon, Flipkart, Zomato, Swiggy, Blinkit)
- 3% cashback on 1 dining or entertainment category of choice
- 1% uncapped cashback on all other retail spending
- 100% digital card issuance and control via HDFC PayZapp app
Limitations
- Monthly cap on 5% and 3% cashback earnings (₹500 per category)
- Requires PayZapp app for rewards management and category selection
- Fee waiver threshold of ₹1 Lakh is slightly higher than basic cards
Editorial Verdict
The HDFC Pixel Play Credit Card is ideally suited for gen-z & tech-savvy buyers wanting custom cashback packs. If you want 5% cashback on 2 chosen key merchant packs; 3% cashback on chosen category, this card delivers real value. The ₹500 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (720+) credit to be approved.
Key Perks & Spending Milestones
5% cashback on 2 key merchant brands chosen by user (e.g. Amazon, Flipkart, Zomato, Swiggy, Uber)
3% cashback on 1 chosen dining & entertainment category
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
🚀 Milestone Spends Timeline
Annual fee waived on retail spends of ₹1 Lakh in a membership year
Fees & Charging Rates
Annual Fee Waivers
₹500 + Taxes
💡 Annual fee waived on ₹1 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹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
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 | 5% cashback on 2 chosen key merchant packs; 3% cashback on chosen category | No Lounge Access | 4.4/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends; 1% cashback on offline spends | 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 |