HDFC Bank Pixel Play Credit Card
A premium customizable digital credit card offering up to 5% cashback on your chosen merchant packs.
Overview
The HDFC Bank Pixel Play Credit Card is an interactive, digital-first credit card managed entirely inside the PayZapp mobile app. It is designed for millennials and Gen-Z consumers who want complete control over their reward structures. It allows you to select your own 5% cashback spending categories, your choice of e-commerce platforms for 3% cashback, your card color theme, and even your preferred monthly billing cycle date.
Features & Benefits
Joining & Renewal Benefits
Joining fee is waived if you spend ₹20,000 or more within the first 90 days of issuance. Instant virtual card is issued upon digital application validation.
Renewal fee is waived from the second year onward on spending ₹1,00,000 or more in the previous anniversary year.
Cashback & Rewards
- • 1 PIXEL CashPoint = ₹1.
- • 5% Choice Packs capped at 500 CashPoints/month per selected pack.
- • 3% e-commerce option capped at 500 CashPoints/month.
- • 1% other and UPI spends capped up to 15,000 CashPoints/calendar month.
- • RuPay variant: 1% cashback on digital merchant QR scan-and-pay transactions.
All accumulated Pixel CashPoints are automatically credited as direct cashback to the statement balance at the end of the monthly billing cycle. There is no complex reward catalog or redemption fee.
Lifestyle Benefits
- • Pick any 2 out of 5 predefined lifestyle merchant packs for 5% cashback.
- • Dining & Entertainment Pack includes Zomato and BookMyShow.
- • Travel Pack includes MakeMyTrip and Uber.
- • Grocery Pack includes Blinkit and Reliance Smart Bazaar.
- • Electronics Pack includes Croma and Reliance Digital.
- • Fashion Pack includes Myntra and Nykaa.
- • Select one e-commerce platform from Amazon, Flipkart, or PayZapp for 3% cashback.
- • Users can switch selected packs every 3 months inside the app.
- • Pick preferred digital card color theme directly via the UI.
- • Select your own statement generation date during in-app setup.
- • Swiggy Dineout offers up to 10% to 15% instant savings, capped at ₹300/month.
- • SmartBuy offers additional 5% cashback on gift vouchers and travel tickets, capped at 500 CashPoints/month.
1% fuel surcharge waiver across petrol pumps in India on bills between ₹400 and ₹5,000, capped at ₹250 per statement month.
3.5% on international transactions. Finance charges are 3.6% per month / 43.20% per annum. Railway surcharge of 1% + GST applies on IRCTC bookings.
Fees & Charges
- • Dynamic flexibility to swap 5% reward categories every 3 months for rotating seasonal spending.
- • Always-on 3% cashback on platforms like Amazon or Flipkart is competitive for a ₹500 fee card.
- • Direct 1:1 statement cashback credits with zero redemption charges or processing delay.
- • RuPay UPI integration turns small local vendor payments into a 1% yield engine.
- • Category rewards have strict monthly sub-caps of 500 points per pack.
- • No airport lounge access or travel-centric luxury add-ons.
- • Strict exclusions for utilities, insurance, government bills, and rent processing.
- • Fuel transactions do not earn rewards.
- • Wallet loading does not earn rewards.
- • Rent payments do not earn rewards.
- • Government transactions, utility bills, fines, and taxes do not earn rewards.
- • EMI transactions including post-purchase merchant EMIs do not earn rewards.
Facility can be natively managed and tracked within the PayZapp portal.
- • Age: 21–60 years; up to 65 years for self-employed professionals.
- • Resident Indian.
- • Requires the HDFC PayZapp app to apply, onboard, and unlock the virtual or physical card.
- • Salaried: minimum ₹25,000 to ₹30,000 monthly income.
- • Self-Employed: Net ITR > ₹6,00,000 per annum.