CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

HDFC Pixel Play Credit Card

53
Ranked #20 of 170 in credit
creditVisa/RuPay (RuPay needed for UPI cashback)Entry-level digital, customizable

Fully digital, highly customizable HDFC cashback card via PayZapp — cardholders pick their own 5%/3% reward categories from a menu, with 1% unlimited base rate, positioned as the flagship of the Pixel family above Pixel Go.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value48/100 · weight 71%
≈ 2.35% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.5% score bonus — earns broadly without narrow category restrictions.
Fee efficiency95/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks1/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹500 + 18% GST
= ₹590 total
Annual fee
₹500 + 18% GST
= ₹590 / year total
Waiver: Joining fee waived on Rs 20,000 spend within first 90 days; annual renewal fee waived on Rs 1 lakh spend before renewal date. NOTE: multiple sources describe promotional "lifetime free" offers running at various points — verify current status before quoting a fee.
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
online_spendscashback5%——
diningcashback3%——
travelcashback3%——
groceriescashback3%——
online_shoppingcashback3%₹500 / monthly3% cashback on ONE chosen e-commerce merchant: Amazon, Flipkart, or PayZapp; capped 500 points/month
all_spendscashback1%—Unlimited 1% base cashback on everything else outside chosen packs/merchants
fuelcashback1%——

Welcome offer

No distinct welcome voucher — joining benefit is fee waiver structure; joining benefit only offered on the paid variant (not during LTF promos)

Milestone benefits

Pros

  • Highly customizable — choose 2 of 5 category packs (dining/entertainment, travel, grocery, electronics, fashion) for 5% cashback + 1 e-commerce merchant (Amazon/Flipkart/PayZapp) for 3%, unlimited 1% base rate on everything else, FD-backed option for no-credit-history applicants, fully digital via PayZapp, FIFA-themed card design option (Rs 100 fee for existing customers)

Cons

  • No lounge access, no insurance, no travel perks — pure cashback-only card, 5%/3% categories capped at 500 CashPoints/month each, redemption restricted to PayZapp ecosystem only (no external catalogue/travel booking flexibility), standard HDFC exclusions apply (fuel, rent, wallet, government, EMI, cash advances)

What's inside

More benefits

  • Swiggy Dineout discount

    Up to 25% off at 20,000+ listed restaurants via Good Food Trail

    unlimited.

  • FIFA theme upgrade

    ₹100

    Optional FIFA-themed card design for existing customers

    one-time. Rs 100+GST fee via Pixel app

Insurance cover

text
₹NaN

Eligibility

text
Age 21-60 (salaried, income Rs 25,000/month+) or 21-65 (self-employed, ITR Rs 6 lakh+/year); FD-backed secured variant also available for no-income-proof applicants

Small print

Fuel surcharge:1% fuel surcharge waiver, Rs 400-5,000 transactions, capped Rs 250/statement cycle; fuel spends earn zero cashback