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HDFC Pixel Credit Cards: Digital Cards with Customisable Benefits

Home HDFC Bank HDFC Pixel Credit Cards: Digital Cards with Customisable Benefits

HDFC Bank has designed two digital PIXEL credit cards named PIXEL Play and PIXEL Go. You can avail and manage both these credit cards digitally via PayZapp app. Both HDFC PIXEL cards offer cashback benefits to the cardholders, where PIXEL Play card users also get the option to customise their cashback earning categories, card design as well as their favoured billing cycle date. Read on to know more about HDFC Bank PIXEL Play and Go Credit Cards.

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Updated: 26-11-2024 07:42:34 AM

Key Highlights of HDFC Bank PIXEL Credit Cards
Particulars PIXEL Play Credit Card PIXEL Go Credit Card
Annual Fee Rs. 500 Rs. 250
Annual Fee Waiver On Rs. 1 lakh annual card spends On Rs. 50,000 annual card spends
Cashback Rate Up to 5% cashback on select brands & 1% base rate 1% cashback on all spends
Dining Benefits Up to 25% off via Swiggy Dineout Up to 25% off via Swiggy Dineout
Overall Rating ★★★ (3/5) ★★ (2/5)

Note: These cards are not available on Paisabazaar.com. The content on this page is for information only. To express interest in these cards, please visit HDFC Bank’s website.

HDFC PIXEL credit cards are digital cards 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. 

Quick Read: Virtual Credit Cards

In addition to the convenience of digital access and management, both cards offer cashback in the form of CashPoints to the cardholders. Here, HDFC Bank PIXEL Go credit card is an entry-level card that only offers a base cashback rate of 1% on all your spends. On the other hand, HDFC  Bank PIXEL Play credit card gives a notably higher value-back of up to 5% cashback.
PIXEL Play card comes with a unique customisation 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 would accrue through both these HDFC credit cards can later be redeemed as PayZapp CashPoints balance at 1:1 redemption ratio.
These CashPoints in PayZapp wallet can further be utilised for bill payments, recharges, and shopping for vouchers from over 100 brands.

Video: Quick Review of HDFC Pixel Credit Cards

Note: Details mentioned in the video have been sourced from the issuer’s website as of September 2024. For updated information, refer to this page.

On this page
Cashback Benefits of HDFC Bank PIXEL Credit Cards
Other Benefits on HDFC Bank PIXEL Credit Cards
Should You Apply for HDFC Bank PIXEL Credit Cards
Cashback Cards Similar to HDFC PIXEL Credit Cards
HDFC Bank PIXEL Credit Cards: Fees & Charges
Eligibility Criteria for HDFC Pixel Play Credit Card

Cashback Benefits of HDFC Bank PIXEL Credit Cards

Given below are the detailed HDFC PIXEL card’s cashback benefits that you can avail on your spends:

Customisable Accelerated Cashback via PIXEL Play

5% Cashback: HDFC PIXEL Play cardholders get the choice to opt for any 2 cashback packages based on the spending categories and the corresponding brands from the list given below on which they can avail 5% cashback feature – 

  • Dining & Entertainment Category: BookMyShow & Zomato
  • Travel Category: MakeMyTrip & Uber
  • Grocery Category: Blinkit & Reliance Smart Bazaar
  • Electronics Category: Croma & Reliance Digital
  • Fashion Category: Nykaa & Myntra

3% Cashback: Cardmembers can choose any one e-commerce merchant among Amazon, Flipkart or Payzapp as their 3% cashback earning category of choice.

Also Check: Best HDFC Credit Cards for 2024

Base Cashback Rate

1% Cashback: Unlimited 1% cashback on all PIXEL Go card spends and on all the other spends, apart from the accelerated categories, made via PIXEL Play card.

Points to Remember about PIXEL CashPoints

  • Excluded Categories: No CashPoints accrual on fuel, rent, EMI, e-wallet loading and government related spends
  • Capping: CashPoints earning capped at 2,000 points per day on insurance transactions
  • Validity: 2 years from date of accumulation
  • Redemption Option: 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 CashPoints Required for Redemption: 1,000 PIXEL CashPoints for PIXEL Play and 500 CashPoints for PIXEL Go cardholders
  • The accrued CashPoints are going to be nullified if the PIXEL credit card is not used for more than 365 days (1 year)

Other Benefits on HDFC Bank PIXEL Credit Cards

PIXEL Play’s Joining Benefit: HDFC PIXEL Play credit card users can get their card joining fee waived off by spending minimum Rs. 20,000 within 90 days of card issuance.

Annual Fee Waiver: HDFC PIXEL Go card’s annual fee is waived off on spending min. Rs. 50,000 in the previous year, while the renewal fee of HDFC Bank PIXEL Play credit card is waived off on spending Rs. 1 lakh in the previous year.

Good Food Trail Program: Up to 20% off on dining via Swiggy Dineout on making payments through Swiggy app using any of the HDFC PIXEL cards.

Fuel Surcharge Waiver: 1% fuel surcharge waiver of up to Rs. 250 per statement cycle on fuel spends worth Rs. 400 to Rs. 5,000 made via PIXEL cards.

Should You Apply for HDFC Bank PIXEL Credit Cards

HDFC Bank PIXEL Go is a suitable choice for those who are new to credit cards and are looking for a basic cashback credit card to build their credit profile while learning how credit works. However, if you want a good value-back on your spends, then PIXEL Go would not be the best choice for you as it only comes with 1% cashback rate which is quite low.

Whereas, HDFC Bank PIXEL Play credit card offers us quite a decent value-back through incremental cashback rate of up to 5% on select categories. You can customise this feature by mindfully selecting these categories according to the brands you frequently spend on to maximise your benefits.

Furthermore, in order to make the most of the CashPoints you earn using either of these card variants, you can redeem them as PayZapp wallet balance and use this balance to pay bills, recharge or purchase vouchers across 100+ brands as per your preference.

Also Check: HDFC Infinia Credit Card

Cashback Cards Similar to HDFC PIXEL Credit Cards

Flipkart Axis Bank Credit Card

flipkart-axis-bank-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

5% cashback on transactions at Flipkart and Cleartrip

4% cashback on partner merchants, like Swiggy, PVR, Uber, etc.

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  • 1% cashback across other spends
  • 4 complimentary domestic airport lounge visits in a year on spending at least Rs. 50,000 in a year
  • Activation benefits worth Rs. 600 from Flipkart and Swiggy
  • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 4,000
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Amazon Pay ICICI Credit Card

icici-bank-amazon-pay-credit-card
3.5/5

Joining fee: ₹0

Annual/Renewal Fee: ₹0

Up to 5% cashback on Amazon purchases

1% cashback across all offline spends

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  • 5% cashback on Amazon spends for Prime members
  • 3% cashback on Amazon spends for Non-prime members
  • 2% cashback on spends at Amazon Pay partner merchants
  • 1% cashback on other spends
  • 1% waiver on fuel surcharge across all petrol pumps in India
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Axis Bank ACE Credit Card

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4/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

5% cashback on utility bill payments and recharges via Google Pay

4% cashback on Swiggy, Zomato and Ola

Shopping
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  • 1.5% cashback on other offline & online spends
  • 4 domestic lounge access per year on spending Rs. 50,000 or more in the previous quarter
  • 1% fuel surcharge waiver across all fuel stations on transactions between Rs. 400 to Rs. 4,000
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Swiggy HDFC Bank Credit Card

swiggy-credit-card
3.5/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

10% cashback on Swiggy food orders, Instamart, Dineout & Genie

5% cashback on online spends

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  • 1% cashback on other spends
  • Up to Rs. 3,500 cashback in a month
  • 3-month Swiggy One Membership worth Rs. 1,199 on card activation
  • Renewal fee waived off on Rs. 2 lakh annual spends
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Cashback SBI Card

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4/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

5% cashback on all online spends

1% cashback across all offline spends

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  • 5% cashback across all online spends with no merchant restriction
  • 1% cashback across all offline spends
  • Earn cashback of up to Rs. 5,000 per month
  • Renewal fee reversed on spending at least Rs. 2 lakh in a year
  • 1% fuel surcharge waiver of up to Rs. 100 per month
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HDFC Millennia Credit Card

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3.5/5

Joining fee: ₹1000

Annual/Renewal Fee: ₹1000

5% cashback on Amazon, BookMyShow, Flipkart, Myntra, Zomato & more

1% cashback on spends at other categories

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  • 1 complimentary lounge access or a voucher of Rs. 1,000 on spending Rs. 1 Lakh in a quarter
  • Up to 20% off on dining at partner restaurants via Swiggy Dineout
  • 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000
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HDFC Bank PIXEL Credit Cards: Fees & Charges

Fees & Charges Amount Charged
Joining Fee PIXEL Play: Rs. 500 (waived off on Rs. 20,000 spends within the 1st 90 days)
PIXEL Go: Rs. 250
Annual Fee PIXEL Play: Rs. 500 (waived on Rs. 1 lakh annual spends)
PIXEL Go: Rs. 250 (waived on Rs. 50,000 annual spends)
Forex Mark-up Fee 3.5%
Finance Charges 3.75% per month, or 45% per annum
Late Payment Charges On statement balance of –
Up to Rs. 100: Nil
Rs. 101 to Rs. 500: Rs. 100
Rs. 501 to Rs. 1,000: Rs. 500
Rs. 1,001 to Rs. 5,000: Rs. 600
Rs. 5,001 to Rs. 10,000: Rs. 750
Rs. 10,001 to Rs. 25,000: Rs. 900
Rs. 25,001 to Rs. 50,000: Rs. 1,100
More than Rs. 50,000: Rs. 1,300

Click here for the detailed fees & charges and other applicable terms and conditions.

Eligibility Criteria for HDFC Pixel Play Credit Card

Suggested Read: 25 Best Credit Cards in India

Criteria PIXEL Play Credit Card PIXEL Go Credit Card
Age For Salaried: 21 to 60 years
For Self Employed: 21 to 65 years		 For Salaried: 21 to 60 years
For Self Employed: 21 to 65 years
Income For Salaried: Gross monthly income > Rs. 25,000
For Self Employed: ITR > Rs. 6 lakh per annum		 For Salaried: Gross monthly income > Rs. 8,000
For Self Employed: ITR > Rs. 6 lakh per annum
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