HDFC Bank Pixel Play Credit Card benefits
- Rewards5%
cashback on two packs you choose, such as Zomato and BookMyShow, or Myntra and Nykaa
- Rewards3%
cashback on one e-commerce site you choose: Amazon, Flipkart or PayZapp
- Rewards5%
cashback on SmartBuy
up to 500 CashPoints a month
- Rewards1%
cashback on other eligible spends
- Fees
Renewal fee waived on spends of ₹1 lakh in a year
Good to know
- Joining fee waived on spends of ₹20,000 in the first 90 days
HDFC Bank Pixel Play Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Zomato5% on the Dining and Entertainment pack: BookMyShow and Zomato. | 5% back | 1,000 |
| BookMyShow5% on the Dining and Entertainment pack: BookMyShow and Zomato. | 5% back | 1,000 |
| MakeMyTrip, Uber5% on the Travel pack: MakeMyTrip and Uber. | 5% back | 1,000 |
| Blinkit, Reliance Smart Bazaar5% on the Grocery pack: Blinkit and Reliance Smart Bazaar. | 5% back | 1,000 |
| Croma, Reliance Digital, Nykaa, Myntra5% on the Electronics pack (Croma, Reliance Digital) or the Fashion pack (Nykaa, Myntra). | 5% back | 1,000 |
| Amazon, Flipkart3% on one e-commerce platform you choose: Amazon, Flipkart or PayZapp. Up to 500 CashPoints a month. | 3% back | 500 |
| Everything else | 1% back | 500 |
No rewards on: Fuel, wallet loads, gift and prepaid card loads, voucher purchases and rent.
All reward rules
- You choose only two of the five 5% packs. Each pack pays up to 500 CashPoints a month, so our maths uses one shared limit of 1,000. If you tick brands from more than two packs, the maths will show more than you can earn.
- Cashback comes as CashPoints, 1 CashPoint for each ₹1 of cashback. HDFC Bank's Pixel pages describe redeeming them to the PayZapp wallet for brand vouchers.
- HDFC Bank's table shows a 500 CashPoint monthly limit on the 1% rate. We use it, so the maths may show less than you earn if that limit does not apply.
- 5% cashback on SmartBuy, up to 500 CashPoints a month, and 1% on UPI spends, up to 500 a month.
What the HDFC Bank Pixel Play Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “food and groceries” pattern, using Amazon and Blinkit and BookMyShow and Croma and Flipkart and MakeMyTrip and Myntra and Nykaa and Reliance Digital and Reliance Smart Bazaar and Uber and Zomato where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹10,000 | 5% (limit hit) | ₹4,800 |
| Dining and food delivery | ₹9,000 | 5% (limit hit) | ₹4,320 |
| Online shopping | ₹3,000 | 5% (limit hit) | ₹1,440 |
| Travel | ₹1,000 | 5% (limit hit) | ₹480 |
| Fuel | ₹2,000 | 0% | ₹0 |
| Bills and utilities | ₹3,000 | 1% | ₹360 |
| Everything else | ₹2,000 | 5% (limit hit) | ₹960 |
| Total | ₹30,000 | ₹12,360 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹12,360* |
HDFC Bank Pixel Play Credit Card annual fee and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- ₹1,00,000 a year
The joining fee is waived if you spend ₹20,000 in the first 90 days. The renewal fee is waived if you spend ₹1 lakh or more in a year before renewal. Fees are before GST. The foreign currency markup is not shown here.
Fuel surcharge: 1% fuel surcharge waiver on transactions of ₹400 to ₹5,000, up to ₹250 per statement cycle.
HDFC Bank Pixel Play Credit Card eligibility
We could not confirm age and income limits from HDFC Bank's card page. HDFC Bank also offers Pixel cards against a fixed deposit, where it says no income proof is needed.
The bank alone decides approval and your credit limit.
HDFC Bank Pixel Play Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the HDFC Bank Pixel Play Credit Card right for you?
A card with a ₹500 fee that spending can waive, paying 5% at Zomato and an above-average 1% elsewhere.
Worth its fee if you spend about ₹2,000 a month or more. Below that, the ₹500 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at Zomato: the card pays 5% back there, against 1% on most other spends.
- You spend ₹1,00,000 a year or more (about ₹8,400 a month), so the ₹500 renewal fee is waived.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- You spend less than about ₹8,400 a month: you would pay ₹590 a year with GST.
- You spend more than ₹16,700 a month at Amazon and Flipkart: the higher rate stops there.
- You rarely use its partner brands: outside them the card pays 1%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to HDFC Bank Pixel Play Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| HDFC Bank Pixel Play Credit Card | ₹500 | 5% | ₹3,240* |
| HSBC Live+ Credit Card | ₹999 | 10% | ₹17,100* |
| Cashback SBI Card | ₹999 | 5% | ₹6,720* |
If most of your spending looks like the example above, the HSBC Live+ Credit Card may suit you better: it would leave you ₹15,480 a year, against ₹12,360 with the HDFC Bank Pixel Play Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the HDFC Pixel Play Credit Card?
The joining and renewal fee is ₹500 before GST. The joining fee is waived on spends of ₹20,000 in 90 days, and the renewal fee on spends of ₹1 lakh in a year.
Is the HDFC Pixel Play Credit Card lifetime free?
No. It has a ₹500 fee, which can be waived on the spends above.
Which packs can I choose on Pixel Play?
You choose two of five 5% packs: Dining and Entertainment, Travel, Grocery, Electronics and Fashion. Each pack has two brands.
What is the cashback limit on the HDFC Pixel Play Credit Card?
Each 5% pack and the 3% site pay up to 500 CashPoints a month. SmartBuy and UPI cashback also have monthly limits of 500.
How do I use Pixel Play cashback?
Cashback comes as CashPoints. HDFC Bank's Pixel pages describe redeeming them to the PayZapp wallet for brand vouchers.