HDFC Pixel Play Credit Card
A digital-first card you control in the PayZapp app. Pick two 5% brand packs and one 3% shopping site, and earn 1% on everything else, including UPI.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Two packs you choose: Dining (BookMyShow, Zomato), Travel (MakeMyTrip, Uber), Grocery (Blinkit, Reliance Smart Bazaar), Electronics (Croma, Reliance Digital), Fashion (Nykaa, Myntra) | 5% as CashPoints | 500 CashPoints a month for both packs |
| HDFC SmartBuy | 5% | 500 CashPoints a month |
| One e-commerce site: Amazon, Flipkart or PayZapp | 3% | 500 CashPoints a month |
| Other spends, including UPI | 1% | 15,000 CashPoints a month |
| Fuel, rent, wallet loads, EMI, government | Nothing | – |
- No CashPoints on transactions under ₹100.
- Redeem in PayZapp at 1 CashPoint = ₹1, minimum 1,000.
- You can change your packs once every three months.
Benefits
Welcome benefit
- No fixed welcome benefit.
Milestones
- Annual fee waived on ₹1 lakh spend.
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver, up to ₹250 a cycle.
- Forex markup 3.5%.
Other perks
- You get both a RuPay (for UPI) and a Visa card on one limit
Fees and charges
| Joining fee | ₹500 + GST, waived on ₹20,000 spend in 90 days; often issued free online |
|---|---|
| Annual fee | ₹500 + GST, waived on ₹1 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 21 to 60, ₹25,000 a month
- Self-employed: age 21 to 65, about ₹6 lakh a year
- FD-backed version available
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- You choose where you earn 5%
- 1% back on UPI payments
- Fully managed in the PayZapp app
Watch out for
- 5% packs share a small 500 a month cap
- Rewards only redeem through PayZapp
- No travel benefits
Recent changes
- 15 Apr 20261% base cashback capped at 15,000 CashPoints a month.
- 15 May 2026Currency conversion fee on rupee payments abroad raised to 1.75%.
Frequently asked questions
Is HDFC Pixel Play free?
It is often issued lifetime free through online and PayZapp applications. Otherwise it costs ₹500 + GST a year, waived on ₹1 lakh spend.
Can I use Pixel Play on UPI?
Yes. The RuPay version links to UPI apps and earns 1% back.
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Sources: CardAdvisor · HDFC Bank. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.