Key Benefits
Up to 5% cashback, SmartBuy rewards, dining discounts
Lounge Access
No complimentary lounge access
Eligibility
Min income Rs 25,000/month, age 21-60, CIBIL 700+
The HDFC Pixel Play Credit Card is an excellent entry-level cashback card for young spenders who frequently shop at popular brands like Zomato, Myntra, Amazon, and BookMyShow. The ability to choose your cashback categories every 3 months adds flexibility. However, the PayZapp-only redemption and lack of premium benefits like lounge access or insurance make it unsuitable for travellers or high-spenders looking for comprehensive benefits.
Best For
Young spenders who want customizable cashback on dining, fashion, travel, grocery, and electronics brands with a low annual fee
Not Ideal For
Frequent travellers seeking lounge access or insurance benefits, and those who prefer non-PayZapp redemption options
All Spends
Bookmyshow
Zomato
Makemytrip
Uber
Blinkit
Reliance Smart
Croma
Reliance Digital
Nykaa
Myntra
Amazon
Flipkart
Smartbuy
Redeem your points for cashback, travel, and more
PayZapp Wallet
Minimum 1000 CashPoints required; redeemed as PayZapp CashPoints balance for bill payments, recharges, and brand vouchers
PayZapp Brand Vouchers
100+ brand vouchers available; redeem via PayZapp app
Joining fee of Rs 500 waived on spending Rs 20,000 within 90 days of card issuance
Spend ₹20,000 within 90 days
value
Annual renewal fee of Rs 500 waived on spending Rs 1 lakh in the membership year
Spend ₹1,00,000 within 365 days
value
Up to Rs 1,000 cashback per month on SmartBuy platform transactions across flights, hotels, and shopping
value
Dining
25.00% off
Up to 25% discount on dining via Swiggy Dineout at 20,000+ restaurants through Good Food Trail program
See how this card performs in different spending categories compared to other cards.
The HDFC Pixel Play Credit Card is a digital-first cashback credit card from HDFC Bank, designed primarily for young spenders who want to maximise rewards on their favourite brands. Managed entirely through the PayZapp app, this card lets you customise your cashback categories, card design, and billing cycle date.
With up to 5% cashback on partner merchants across dining, travel, grocery, electronics, and fashion, plus 1% unlimited cashback on all other spends, the Pixel Play offers one of the best reward rates in the entry-level segment. The card comes with a modest annual fee of Rs 500 that can be easily waived with Rs 1 lakh annual spend.
The HDFC Pixel Play Credit Card is the premium variant in HDFC Bank's Pixel credit card lineup, launched as India's first virtual-first credit card. Unlike traditional credit cards, the Pixel Play is sourced and managed exclusively through HDFC Bank's PayZapp mobile application.
The Pixel Play card offers a tiered cashback structure that lets you earn up to 5% on your preferred spending categories:
Earn up to 5% cashback on HDFC SmartBuy platform purchases including flights, hotels, gift vouchers, and shopping. SmartBuy cashback is capped at Rs 1,000 per calendar month.
Through the Good Food Trail program, enjoy up to 25% discount on dining at over 20,000 restaurants via Swiggy Dineout.
1% fuel surcharge waiver on transactions between Rs 400 and Rs 5,000 at all fuel stations, capped at Rs 250 per billing cycle.
The RuPay variant supports UPI Scan & Pay for merchant payments, earning 1% cashback capped at 500 CashPoints per calendar month. Link via PayZapp, PhonePe, or Google Pay.
Note: The HDFC Pixel Play does not offer traditional welcome bonus points or vouchers upon card approval.
The HDFC Pixel Play Credit Card does not offer complimentary airport lounge access, either domestic or international. This is an entry-level cashback card focused on everyday spending rewards rather than travel benefits.
If lounge access is a priority, consider upgrading to HDFC Regalia or HDFC Infinia credit cards which offer comprehensive lounge access programs.
The HDFC Pixel Play uses a CashPoints system where 1 CashPoint equals Rs 1. Cashback is credited as CashPoints for eligible transactions:
Fuel, wallet loading, rent payments, government transactions, EMI conversions, cash advances, and transactions below Rs 100 do not earn CashPoints. Insurance spends are capped at 2,000 CashPoints per day.
CashPoints can be redeemed through the PayZapp app after accumulating 1,000 points. Redeemed points are credited to PayZapp wallet balance, which can be used for:
CashPoints expire 2 years from the date of accumulation.
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs 500 + GST (waived on Rs 20,000 spend in 90 days) |
| Annual/Renewal Fee | Rs 500 + GST (waived on Rs 1,00,000 annual spend) |
| Interest Rate (APR) | 3.60% per month / 43.20% per annum |
| Interest-Free Period | 20 to 50 days |
| Late Payment Fee | Rs 100 to Rs 1,300 (based on outstanding balance) |
| Cash Advance Fee | 2.5% or Rs 500, whichever is higher |
| Foreign Transaction Fee | 3.5% of transaction value |
| DCC Markup Fee | 1% on INR transactions at international merchants |
| Fuel Surcharge | 1% waiver on Rs 400-5,000 transactions (max Rs 250/cycle) |
| Railway Booking Fee | 1% of transaction amount + GST |
| Card Replacement | Rs 100 |
| Payment Return | 2% of amount, minimum Rs 450 |
| SmartEMI Processing | Rs 199 + GST |
| EMI Pre-closure | 3% of principal outstanding |
| Rent Payment | 1% from 2nd transaction per month |
A CIBIL score of 700 or above is recommended for approval. Higher scores may result in better credit limits.
Note: Application is exclusively through PayZapp app. Video KYC may be required during the process.
Note: If you do not complete the setup within 3 days, a default Visa physical card (ICE design) and RuPay digital card will be issued automatically.
The HDFC Pixel Play Credit Card is a well-designed entry-level cashback card that appeals to young, digitally-savvy spenders. Its standout feature is the ability to customise cashback categories every 3 months, allowing you to align rewards with your spending patterns across 10 popular brands including Zomato, Myntra, Amazon, BookMyShow, and more.
At just Rs 500 annual fee (waivable on Rs 1L spend), it delivers excellent value with up to 5% cashback on chosen categories and 1% on everything else. The digital-first approach through PayZapp, dual Visa+RuPay network support, and UPI integration make it a modern card for everyday use. However, the PayZapp-only redemption, lack of lounge access, and absence of insurance or travel benefits mean this card is best suited for everyday shopping and dining rather than travel or premium experiences.
Last updated: 31 January 2026
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