HomeCredit CardsHDFC Bank Pixel Play Credit Card
HDFC Bank Pixel Play Credit Card

HDFC Bank

HDFC Bank Pixel Play Credit Card

visaplatinumcreditshopping

Annual Fee

Lifetime Free

Base Reward

1% cashback

Foreign Markup

3.5%

Apply Now
4.5/5
VerifiedLast updated 26 May 2026

Product Highlights

  • 5% cashback on popular categories like fashion, entertainment, and dining.
  • 5% cashback on Smartbuy spends.
  • 1% cashback on all other eligible categories.

Fee Waiver

Get the joining fee waived by spending ₹20,000 within 90 days of card issuance.

Merchant-Specific Rewards

BookMyShow

BookMyShow

5% CashBack(500 Points/month)

5%
Zomato

Zomato

5% CashBack(500 Points/month)

5%
MakeMyTrip

MakeMyTrip

5% CashBack(500 Points/month)

5%
Uber

Uber

5% CashBack(500 Points/month)

5%
Blinkit

Blinkit

5% CashBack(500 Points/month)

5%
Reliance Smart Bazaar

Reliance Smart Bazaar

5% CashBack(500 Points/month)

5%
Croma

Croma

5% CashBack(500 Points/month)

5%
Reliance Digital

Reliance Digital

5% CashBack(500 Points/month)

5%
Nykaa

Nykaa

5% CashBack(500 Points/month)

5%
Myntra

Myntra

5% CashBack(500 Points/month)

5%
PayZapp

PayZapp

3% CashBack(500 Points/month)

3%
Amazon

Amazon

3% CashBack(500 Points/month)

3%
Flipkart

Flipkart

3% CashBack(500 Points/month)

3%

Reward Calculator

Earns ₹4,080/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹16K

across all your buckets

Points / yr

4.1K

HDFC CashPoints

Best worth

₹4.1K

via standard

Effective rate

2.13%

Annual fee

FREE

Year 1 net

+₹4,080

Year 2+ net

+₹4,080

ongoing

Adjust your spend by reward bucket

3 buckets
5.00%5% Cashback on choice of 2 packs
₹3,000/mo
Earns 150 hdfc cashpoints / mo≈ ₹150 worth/mo
3.00%3% Cashback on choice of 1 e-commerce
₹3,000/mo
Earns 90 hdfc cashpoints / mo≈ ₹90 worth/mo
1.00%All other spends
₹10,000/mo
Earns 100 hdfc cashpoints / mo≈ ₹100 worth/mo

Surcharges & Exclusions

Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.

Excluded from rewards

fuel, wallet, rent, government, emi, cash advance, outstanding balance

Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.

Rewards Details

5% Cashback on two specified categories like Dining, Travel, Grocery, Fashion, etc. 5% Cashback on Smartbuy, and 3% Cashback on any one platform - Amazon, Flipkart, and PayZapp. 1% Unlimited Cashback on all other spends.

Redemption

Redemption for vouchers via PayZapp.

Benefits & Features

Domestic: N/A International: N/A

Pros & Cons

Pros

  • 5% cashback on popular platforms and brands like Uber, Myntra, BookMyShow and Zomato.

Cons

  • Although this card charges a joining fee of ₹500, there are no welcome benefits associated with it.

Additional Info

CashPoints are valid for two years from the date of accumulation.

Maximum cashback of 500 Points on each category per month.

No cashback on fuel, wallet, rent, government-related transactions, EMI transactions, cash advances, or payment of outstanding balances.

5% cashback upto 500 Points each month on any two packs of your choice.

Excluded Categories

fuelwalletrentgovernmentemicash advancespayment of outstanding balances

Partner Merchants

BookMyShowZomatoMakeMyTripUberBlinkitReliance Smart BazaarCromaReliance DigitalNykaaMyntra

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual FeeFREE
Joining Fee₹500 + GST
Fee WaiverGet the joining fee waived by spending ₹20,000 within 90 days of card issuance.
Foreign Markup3.5%
Interest Rate3.60% Monthly and 43.20% Yearly.
Cash Advance2.5%

Eligibility

Min Age

21 yrs

Salaried

₹0.3L+

Self-Emp

₹6.0L+

Networks

visamastercardrupay