HDFC Bank
HDFC PIXEL Play Credit Card
Data last verified: 24 October 2026
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Reward rate1% on most spends; 5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹500 + GST
- Annual fee₹500 + GST
- Fee waiverOn ₹1 lakh spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
- Fuel surcharge waiver1%
- Fuel waiver cap₹250 a month
Pixel Play lets you pick where you earn most. You choose cashback packs such as Zomato and BookMyShow, Uber and MakeMyTrip, or Myntra and Nykaa for 5%, one of Amazon, Flipkart or PayZapp for 3%, and you get 5% on HDFC SmartBuy. Other spends earn 1%. Each bonus bucket is capped at Rs 500 a month.
The fee is ₹500 a year, waived at ₹1 lakh of annual spend. That is about Rs 8,500 a month, easy for anyone who uses it as a main card.
It suits young, online-heavy spenders who order food, book cabs and shop on apps. The catch is the caps. The Rs 500 monthly limit on each bonus bucket means big spenders hit the ceiling quickly and drop to 1%.
Best for: Young online shoppers, Food delivery and cab app users, People who want to pick their own reward categories.
01HDFC PIXEL Play Credit Card Rewards and Benefits
02HDFC PIXEL Play Credit Card Annual Fee and Charges
- Joining fee
- ₹500 + GST
- Annual fee
- ₹500 + GST
- Spend-based waiver
- Annual fee waived on ₹1 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes, up to ₹250 a month
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping only at Chosen cashback packs, BookMyShow & Zomato, MakeMyTrip & Uber, Blinkit & Reliance Smart Bazaar, Croma & Reliance Digital, or Nykaa & Myntra: 5% back, up to ₹500 a month
- Online shopping only at HDFC SmartBuy, IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor: 5% back, up to ₹500 a month
- Spending ₹8,333 or more a month: the ₹590 fee is waived
Skip it if…
- you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹590 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you rarely spend on Chosen cashback packs, BookMyShow & Zomato, MakeMyTrip & Uber, Blinkit & Reliance Smart Bazaar, Croma & Reliance Digital, or Nykaa & Myntra or HDFC SmartBuy, IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor: the 5% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹500
- Fee waived on ₹1 lakh spend in a year
- 5% cashback on chosen merchant packs
- 3% on one chosen platform: Amazon, Flipkart or PayZapp
- 5% on HDFC SmartBuy
- 1% on other spends
- Each bonus bucket capped at ₹500 a month
05Pros and Cons
Pros
- You choose your 5% categories
- Solid 3% on a major e-commerce site
- 1% on everything else
- UPI enabled
Cons
- ₹500 monthly cap on each bonus category
- Bonus categories need you to set your choices
- No lounge access
06How HDFC PIXEL Play Credit Card earns Rewards
1% on most spends; 5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate |
| Online shopping | 1% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 5% | ₹500, shared with other bonus rates | Only at: Chosen cashback packs, BookMyShow & Zomato, MakeMyTrip & Uber, Blinkit & Reliance Smart Bazaar, Croma & Reliance Digital, or Nykaa & MyntraTerms: 5% on any TWO of five packs you select, sharing one 500-CashPoint monthly cap. ⚠ You must pick the packs, and they are swappable only every 3 months. Blinkit, Reliance Smart Bazaar, Croma and Reliance Digital qualify on OFFLINE/in-store purchases, not online. |
| Online shopping, only at listed merchants | 5% | ₹500 | Only at: HDFC SmartBuy, IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine TresorTerms: 5% on SmartBuy under its own 500-CashPoint monthly cap. Cannot be combined with the 5% pack or 3% platform cashback on the same transaction. |
| Online shopping, only at listed merchants | 3% | ₹500 | Only at: One chosen e-commerce platform, Amazon, Flipkart or PayZappTerms: 3% on a single platform you nominate, under its own 500-CashPoint monthly cap. |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 1% | No cap | The card's normal rate |
| School and college fees | 1% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% on all other spends including UPI (RuPay), capped 15,000 CashPoints a calendar month, no longer unlimited since 15 Apr 2026. No CashPoints below ₹100 a transaction. Fuel, rent, EMI, wallet and gift-card loads, vouchers, government payments and cash advances earn nothing.
07HDFC PIXEL Play Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver.
- Fuel surcharge waiver: 1% fuel surcharge waiver at all fuel stations across India (₹400 to ₹5,000 per transaction), capped ₹250 per statement cycle
08HDFC PIXEL Play Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Minimum monthly income
- ₹25,000
09Recent Changes
What HDFC Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 May 2026 | Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank | 1% markup | 1.75% markup |
| 15 Apr 2026 | Reduced: Insurance CashPoints cap tightened from per-day to per-monthSource: HDFC Bank | Capped at 2,000 CashPoints per DAY | Capped at 2,000 CashPoints per MONTH |
| 15 Apr 2026 | Reduced: The 1% base rate stops being unlimited, capped at 15,000 CashPoints a monthSource: HDFC Bank | 1% Unlimited CashPoints | 1% capped at 15,000 CashPoints per calendar month |
| 11 Apr 2026 | Changed: Limited-edition FIFA World Cup 2026 design variant addedSource: HDFC Bank | - | - |
| 1 Jul 2025 | Reduced: 1% fee added on rent, wallet loads and online gamingSource: HDFC Bank | No category surcharge on rent, wallet loads or gaming | 1% on rent (cap ₹4,999 per transaction); 1% on wallet loads and on online skill-based gaming above ₹10,000 a calendar month (cap ₹4,999 a month) |
See this card's change history → · All card changes in May 2026 →
10Cards Similar to HDFC PIXEL Play Credit Card
HDFC PIXEL Play Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | HDFC PIXEL Play Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹500 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹500 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 1% on most spends; 5% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 24 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the ₹500 fee waived?
Yes, once you spend ₹1 lakh in a year. Below that the fee is charged.
How do the bonus categories work?
You choose your 5% cashback packs and one of Amazon, Flipkart or PayZapp for 3%. SmartBuy earns 5% and other spends earn 1%.
Is there a cap on cashback?
Yes, each bonus category is capped at ₹500 a month.
What income do I need?
A monthly income of about ₹25,000 is the stated guideline.
What is the joining fee for the HDFC PIXEL Play Credit Card?
The joining fee is ₹500 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the HDFC PIXEL Play Credit Card?
The annual fee is ₹500 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
Other options worth a look
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
