HDFC Bank Pixel Play Credit Card
Co-branded
Cashback
1st Year Fee: ₹500* Plus Applicable Taxes
Entry-level
Low annual fee of Rs. 500
Cashback
Up to 5% back on all spends
Dining
Up to 25% savings via Swiggy Dineout
Find Best Credit Card Offers
It hardly takes 2 minutes
+91
0 /10 Digits
Don't worry, this will not affect your credit score
The entered number doesn't seem to be correct
About HDFC Bank Pixel Play Credit Card
HDFC Bank Pixel Play Credit Card, a digital card, is a superior variant of the other Pixel Card—HDFC Bank Pixel Go. In comparison to the base variant, Pixel Play offers an option to choose cashback earning categories, card design, and favored billing cycle date. The customizable features on the card bring it in close comparison to the AU Bank LIT credit card that functions on a similar model.
However, unlike the Play variant that comes with a fixed additional fee of Rs. 500, AU LIT cardholders need to pay for the features they use with a quarterly fee ranging from Rs. 49 to Rs. 499, despite it being claimed as a lifetime free credit card.
In comparison to the AU card, which comes with a wider variety of features to choose from, such as rewards structure, milestone benefits, memberships, lounge access, cashback category, and fuel surcharge waiver, the HDFC Play card has some fixed features around benefits on Smartbuy, UPI, and other general spends. The only customizable feature on the card is to choose two from five cashback-earning combinations covering six categories and 10 popular brands like Myntra, Nykka, Zomato, BookMyShow, Reliance Digital, etc. Users can also choose between Amazon, Flipkart or PayZapp to earn 3% cashback on any one e-commerce merchant.
The card comes with its own share of pros and cons. Unlike the AU card, the customization does not offer any option to choose basic lifestyle benefits like lounge access. However, due to a limited number of custom options available, the structure on the card is comparatively simpler for the consumers to understand. Besides, card users get complimentary welcome and renewal benefits every year in the form of fee waivers—low spend thresholds that bring down the fee to 0.
Note that the cashback on the card is offered in the form of CashPoints, redeemable as PayZapp wallet balance. This can be used to pay bills, recharge, or purchase vouchers from 100+ brands. Though the redemption options are diverse, it is restricted to PayZapp. Thus, before availing this card, it is better to assess if you would be comfortable sticking to PayZapp to maximize value back on the card. Additionally, note the capping across the cashback category and if it is a sufficient return for the amount you spend every month.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.
Cashback Structure
- 5% cashback as per your choice of two packs (capped at 500 points per month)
- Dining & Entertainment – BookMyShow & Zomato
- Travel – MakeMyTrip & Uber
- Grocery – Blinkit & Reliance Smart Bazaar
- Electronics – Croma & Reliance Digital
- Fashion – Nykaa & Myntra
- 5% cashback on spends at Smartbuy (capped at 500 points per month)
- 3% cashback on choice of any one E-commerce merchant- Amazon/Flipkart/PayZapp (capped at 500 points per month)
- 1% cashback on UPI Spends (on RuPay variants- capped at 500 points per month)
- 1% unlimited cashback across all other spends
Other Features & Benefits
- Joining Benefit: Joining fee of Rs. 500 waived off on spending Rs. 20,000 within 90 days of card issuance.
- Renewal Benefit: Annual fee of Rs. 500 waived off on spending Rs. 1 Lakh or more in the preceding year.
- Dining: Up to 25% savings on restaurant bill payments via Swiggy Dineout.
- Fuel: 1% fuel surcharge waiver at all fuel stations in India on transactions ranging between Rs. 400 and Rs. 5,000.
HDFC Bank Pixel Play: Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 (waived off on Rs. 20,000 spends within the 1st 90 days) | ||||||||||||||||||
| Annual Fee | Rs. 500 (waived on Rs. 1 lakh annual spends) | ||||||||||||||||||
| Forex Markup Fee | 3.5% | ||||||||||||||||||
| Finance Charges | 3.60% per month | 43.2% per annum | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You want a low annual fee cashback credit card
Your spending preferences align with the partner brands
You want customizable benefits on your credit card
You can make use of the redemption through the PayZapp wallet balance to pay bills, recharge or purchase vouchers
Popular Cashback Credit Cards:
Amazon Pay ICICI
Yes Bank Paisabazaar PaisaSave
Cashback SBI
HDFC Millennia
Paisabazaar Review
What do we like about this card?
HDFC Pixel Play is a digital credit card whose cashback points, card controls and transactions, EMI dashboard, credit statements, repayments, and all other card services can be managed via an all-in-one PayZapp app. In addition to the convenience of digital access and management, it offers up to 5% cashback rate in the form of CashPoints. The card offers a unique customization facility through which you can choose the spending categories and corresponding brands on which you would like to earn the accelerated cashback depending on your spending habits and brand preferences. The CashPoints that you accrue can later be redeemed as PayZapp CashPoints balance at a 1:1 redemption ratio for bill payments, recharges, and shopping for vouchers from over 100 brands.
Pros
- Customizable card features
- 5% cashback on popular everyday brands
- Low joining and annual fee waiver criteria
- UPI linked credit card benefits on RuPay variant
- Decent base cashback rate without any capping
- Diverse redemption option via PayZapp app
Cons
- Brand benefits could be restrictive for some customers
- Understanding the card’s customization could be complex for some users
- Redemption circled around PayZapp app
- No lounge access benefits
- Capping on cashback earning
Frequently Asked Questions
Everything you need to know about this credit card
The card is offered to both salaried and self-employed individuals aged between 21 and up to 65 years. Additionally, one needs to fulfill the income requirement of minimum Rs. 25,000 per month for salaried and ITR greater than Rs. 6 Lakh per annum for self-employed.
The card does not offer any cashback on fuel, rent, EMI, e-wallet loading and government related spends.
You can apply for this credit card via the HDFC Bank’s PayZapp app.
Yes, with the RuPay variant of the HDFC Bank Pixel Play Credit Card, you can avail 1% cashback benefit on the UPI spends.
Yes, the card offers a 1% fuel surcharge waiver on transactions ranging between Rs. 400 and Rs. 5,000, up to Rs. 250 per month.
Footnotes
- Excluded categories from cashback earning: fuel, rent, EMI, e-wallet loading and government related spends
- CashPoints earning capped at 2,000 points per day on insurance transactions
- Cashpoints are valid for 2 years from the date of accumulation
- You can redeem the accumulated points Via PayZapp mobile app as PayZapp CashPoints balance in the app’s wallet. The redeemed CashPoints can later be used to purchase brand e-vouchers on the app itself.
- Minimum 1,000 CashPoints are required for Redemption.
- The accrued CashPoints are nullified if the card is not used for more than 365 days (1 year)
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
Explore other Card Categories
Explore Cards from Leading Issuers
Check eligibility for best credit cards
Check Eligibility