PIXEL Play Credit Card
A digital card run from PayZapp: 5% on two merchant packs you choose (for example Zomato and Myntra), 3% on one of Amazon, Flipkart or PayZapp, 1% on UPI and other spends, each 5% and 3% group capped at 500 CashPoints a month; CashPoints are spent in PayZapp; ₹500 fee. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹500 plus GST Fee schedule |
|---|---|
| Annual fee | ₹500 plus GST Fee schedule |
| Annual fee waiver | On ₹1,00,000 of spend in the year Fee schedule |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST Fee schedule |
| The joining fee is waived on ₹20,000 of spend in the first 90 days. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| 5% on two chosen packs, modelled as Dining (Zomato, BookMyShow) and Fashion (Myntra, Nykaa) | 5% cashback Product page | up to ₹500 a month (shared) Terms |
| 3% on one chosen platform: Amazon, Flipkart or PayZapp | 3% cashback Product page | up to ₹500 a month (shared) Terms |
| UPI on the RuPay card | 1% cashback Product page | up to ₹500 a month Terms |
| Insurance | 1% cashback MITC | up to ₹2,000 a month Terms |
| All other spends | 1% cashback MITC | up to ₹15,000 a month MITC |
Paid as PIXEL CashPoints (1 CashPoint = 1 PayZapp CashPoint), moved to PayZapp from 1,000 points and spent on brand vouchers in PayZapp.
The cardholder picks two of five 5% packs and one 3% platform (changeable every 3 months); CardWise models the Dining and Fashion packs and treats Amazon and Flipkart as sharing the single 3% cap, which overstates the 3% if spend is split between them. Spend above the 5% cap earns 1%.
No rewards on
- Fuel, wallet loads, rent, government payments and EMI Terms
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle Product page
Also on this card
Quoted from HDFC Bank; not counted in the net value.
- 5% packs also cover MakeMyTrip & Uber, Blinkit & Reliance Smart Bazaar, or Croma & Reliance Digital Product page
- 5% cashback on SmartBuy, up to 500 CashPoints a month Terms
- Choose your own billing date and card design Product page
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Salaried: monthly income of ₹25,000 Product page
- Self-employed: income tax return above ₹6 lakh a year Product page
Where HDFC Bank’s documents differ, and what is used
- Fee: the product page banner says "Enjoy your card Lifetime Free" and the HDFC listing tags it "Lifetime Free", but the product page fee section, the fees page and the PIXEL MITC (7 Sep 2026) give ₹500 a year (joining fee waived on ₹20,000 in 90 days). ₹500 is used.
- An FD-backed version of PIXEL credit cards is offered through PayZapp; it is not modelled separately.
The quotes behind the figures
35 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining Fee: ₹500 plus Applicable Taxes”
“Renewal Fee: ₹500 plus Applicable Taxes”
“Fee Waiver: Spend ₹1 lakh or more in a year before the renewal date to get the renewal fee waived.”
“The HDFC Bank Pixel Credit Card charges a 3.5% foreign transaction fee on all international purchases.”
“5% CashBack on choice of any two following packs:”
“earn up to 500 CashPoints under the selected Categories (each Category will comprise two merchants) in a calendar month.”
“Dining & Entertainment Category - BookMyShow & Zomato”
“Fashion Category - Nykaa & Myntra”
“Beyond the capping of 500 CashPoints, 1% cashback will be applicable for spends on favourite merchant packsfor CashPoints posting”
“CashPoints is not applicable on transactions less than 100.”
“3% CashBack on Amazon, Flipkart or PayZapp”
“Maximum Cashback per cycle 500 CashPoints per month***** 500 CashPoints per month***** 500 CashPoints per month***** 500 CashPoints per month*****”
“3% Cashback is not applicable on RuPay UPI Scan & Pay & UPI Ecom transactions using HDFC Bank Pixel Play Credit Card.”
“1% CashBack on UPI Spends (Applicable only on PIXEL RuPay Credit Card holders).”
“Spends beyond the capping of 500 shall not be considered for CashPoints posting.”
“The maximum CashPoints that can be earned for PIXEL Play & PIXEL Go credit Cards under "1% unlimited Cashback across all other spends" product feature Category is 15000 CashPoints per calendar month.”
“The CashPoints for Insurance Spends will get capped at 2,000 CashPoints per month”
“Fuel Spends Wallet Spends Rent payments Government related transactions EMI Transactions”
“You can apply for the PIXEL Play Credit Card directly by clicking here”
“1) PIXEL Play - Fee: Rs. 500 + GST”
“Spend ₹20,000 in the first 90 days and get Joining fee waiver”
“Grocery Category - Blinkit & Reliance Smart Bazaar”
“Electronics Category - Croma & Reliance Digital”
“Upon the accumulation of 1000 PIXEL CashPoints, they can be redeemed easily to the PayZapp Wallet and used to purchase your choice of brand vouchers within PayZapp digitally.”
“1 CashPoint = 1 PayZapp Cashpoint”
“1% fuel surcharge waiver at all fuel stations across India (on a minimum transaction of ₹400 and a maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle).”
“Travel Category - MakeMyTrip & Uber”
“A cardholder will be eligible for 5% Cashback if he/she does a transaction through SmartBuy”
“Choose Billing Date.”
“Age: Minimum: 21 years, Maximum: 60 years”
“Age: Minimum: 21 years, Maximum: 65 years”
“Income (Monthly) - ₹25,000”
“Annual ITR > ₹6,00,000”
“Customisable design and billing cycle Apply Now”
“post that, you'll be issued with both RuPay & Visa network cards with RuPay as a Digital Card and Visa as a physical plastic card”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology