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HDFC Bank · Visa / RuPay · हिन्दी

HDFC Bank PIXEL Play Credit Card: full review

The HDFC PIXEL Play is a strong low-fee cashback card for people who spend mostly online and through apps. Picking two 5% brand packs and a 3% e-commerce merchant lets you match it to where you actually spend, and because a CashPoint is worth a full ₹1, the rates are real cashback rather than points that lose value. The catches are the monthly cap on the 5% and 3% cashback, that the higher rates only apply at the named brands, and that it is closed to anyone who already holds an HDFC credit card.

Apply now ↗Annual fee: ₹500 + GST
Last updated: October 2026 · Current terms verified
HDFC BANK
VISA
)))
PIXEL PLAY
ASHOK KUMAR
12/28
₹500 + GST joining and annual (joining fee waived on ₹20,000 spend in 90 days, renewal waived on ₹1,00,000 annual spend)Annual fee
5% cashback on two brand packs of your choice and 3% on one e-commerce merchant (Amazon, Flipkart or PayZapp), together capped at 500 CashPoints a month; 1% on all other spends; 1 CashPoint = ₹1Reward structure
NoneLounge access

Key benefits of the HDFC Bank PIXEL Play Credit Card

5% cashback on two brand packs of your choice: Dining and Entertainment (BookMyShow, Zomato), Travel (MakeMyTrip, Uber), Grocery (Blinkit, Reliance Smart), Electronics (Croma, Reliance Digital) or Fashion (Nykaa, Myntra)3% cashback on one e-commerce merchant of your choice: Amazon, Flipkart or PayZapp1% cashback on all other spends, including UPI payments on the RuPay variant1 CashPoint = ₹1, redeemed in the PayZapp app (minimum 1,000 CashPoints)Switch your packs or your 3% merchant once every three monthsBoth a RuPay (digital, for UPI) and a Visa (physical) card on one credit limit1% fuel surcharge waiver on fills of ₹400 to ₹5,000, capped at ₹250 per billing cycleUp to 50 days interest-free credit period
Apply now ↗ Min. income: Salaried: net monthly income above ₹25,000, age 21 to 60. Self-employed: ITR above ₹6 lakh a year · Credit score: Not publicly specified
Pros and cons
Pros
✓ Cashback worth ₹1 a CashPoint, the best redemption value among HDFC's cashback cards
✓ You choose your own 5% brand packs and can change them every quarter
✓ RuPay variant earns cashback on UPI spends
✓ Low ₹500 fee, waived on ₹20,000 spend in the first 90 days
Cons
✗ The 5% and 3% rates apply only at the brands in your chosen packs, not whole categories
✗ HDFC's page is unclear on the cap: one line says ₹500 a month each for the 5% and 3% cashback, its FAQ says 500 CashPoints a month for both together; we use the stricter combined cap
✗ You cannot apply if you already hold any HDFC credit card, and a closed PIXEL card cannot be re-applied for
✗ No lounge access
✗ 3.5% forex markup
✗ Fuel, rent, wallet loads, EMIs and government payments earn no cashback
Quick facts
Issuer HDFC Bank
Network Visa / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹500 + GST joining and annual (joining fee waived on ₹20,000 spend in 90 days, renewal waived on ₹1,00,000 annual spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Interest rate 3.75% per month (45% a year)
Fee waiver Joining fee waived on ₹20,000 spend in the first 90 days; renewal fee waived on ₹1,00,000 spend in the year before renewal
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → Salaried: net monthly income above ₹25,000, age 21 to 60. Self-employed: ITR above ₹6 lakh a year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → Not publicly specified
SourceHDFC Bank's Key Fact Statement and Most Important Terms and Conditions for PIXEL credit cards (12 August 2026) and its official PIXEL card page · Last checked October 2026
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Frequently asked questions
The annual fee for HDFC Bank PIXEL Play Credit Card is ₹500 + GST joining and annual (joining fee waived on ₹20,000 spend in 90 days, renewal waived on ₹1,00,000 annual spend). The joining fee is ₹500.
The main benefits of the HDFC Bank PIXEL Play Credit Card are: 5% cashback on two brand packs of your choice: Dining and Entertainment (BookMyShow, Zomato), Travel (MakeMyTrip, Uber), Grocery (Blinkit, Reliance Smart), Electronics (Croma, Reliance Digital) or Fashion (Nykaa, Myntra); 3% cashback on one e-commerce merchant of your choice: Amazon, Flipkart or PayZapp; 1% cashback on all other spends, including UPI payments on the RuPay variant; 1 CashPoint = ₹1, redeemed in the PayZapp app (minimum 1,000 CashPoints); Switch your packs or your 3% merchant once every three months; Both a RuPay (digital, for UPI) and a Visa (physical) card on one credit limit; 1% fuel surcharge waiver on fills of ₹400 to ₹5,000, capped at ₹250 per billing cycle; Up to 50 days interest-free credit period.
5% cashback on two brand packs of your choice and 3% on one e-commerce merchant (Amazon, Flipkart or PayZapp), together capped at 500 CashPoints a month; 1% on all other spends; 1 CashPoint = ₹1
HDFC Bank PIXEL Play Credit Card is best for Online and app-first spenders who will use two 5% brand packs (such as Zomato and BookMyShow, or Blinkit and Reliance Smart) and want cashback worth ₹1 a point, and who do not already hold another HDFC credit card. The HDFC PIXEL Play is a strong low-fee cashback card for people who spend mostly online and through apps. Picking two 5% brand packs and a 3% e-commerce merchant lets you match it to where you actually spend, and because a CashPoint is worth a full ₹1, the rates are real cashback rather than points that lose value. The catches are the monthly cap on the 5% and 3% cashback, that the higher rates only apply at the named brands, and that it is closed to anyone who already holds an HDFC credit card.
The minimum income requirement for HDFC Bank PIXEL Play Credit Card is Salaried: net monthly income above ₹25,000, age 21 to 60. Self-employed: ITR above ₹6 lakh a year. The bank does not publish a minimum credit score.
HDFC Bank PIXEL Play Credit Card does not offer airport lounge access.
HDFC Bank PIXEL Play Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →Best Credit Cards for Amazon and Flipkart →
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HDFC Bank PIXEL Play₹500 + GST
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