HDFC Bank PIXEL Play Credit Card
HDFC Bank · RuPay · Entry card
The category-picker mechanic means you can re-target the 5% rate toward whatever you’re actually spending on that quarter instead of being locked into the bank’s categories.
PayZapp users who want to actively tune their reward categories rather than accept a fixed list.
Terms checked 21 Sept 2026
- Annual fee
- ₹500 + GST
- Joining fee
- ₹500 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1% |
| Dining & delivery | 1% |
| Groceries & essentials | 1% |
| Entertainment & movies | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| Bills & utilities | 1% |
| Travel & hotels | 1% |
| Beauty & wellness | 1% |
| International spending | 1% |
| Insurance premiums | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Other miscellaneous | 1% |
| Gold & jewellery | 1% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- Selected PIXEL packs: ₹500/month · SmartBuy CashPoints: ₹500/month · Ecommerce-choice CashPoints: ₹500/month · RuPay UPI CashPoints: ₹500/month
- Annual fee waiver
- At ₹1,00,000 annual spending
- Monthly income requirement
- Approx. ₹25,000/month
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 8 items
Two selected PIXEL packs
Usage-based value5% requires an active eligible PIXEL pack selected in PayZapp.
Conditions: 5% requires an active eligible PIXEL pack selected in PayZapp.
SmartBuy cashback
Usage-based value5% requires an eligible SmartBuy transaction.
Conditions: 5% requires an eligible SmartBuy transaction.
Selected ecommerce cashback
Usage-based value3% requires the active Amazon, Flipkart or PayZapp ecommerce choice.
Conditions: 3% requires the active Amazon, Flipkart or PayZapp ecommerce choice.
RuPay UPI CashPoints
Usage-based value1% requires an eligible merchant UPI payment on the RuPay variant.
Conditions: 1% requires an eligible merchant UPI payment on the RuPay variant.
Other eligible CashPoints
Usage-based value1% applies to other eligible transactions; fuel, wallets, rent, government, EMI, cash and fees are excluded.
5% cashback on two merchant packs you choose yourself, in the app
Shown without a cash value3% cashback on Amazon, Flipkart or PayZapp
Shown without a cash value1% cashback on eligible UPI spends on the RuPay variant
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹500₹500 annual fee before applicable tax.
Joining fee
Cost ₹500₹500 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹500Annual fee may be waived after ₹1,00,000 of eligible annual spending.
Conditions: Reach ₹1,00,000 eligible annual spending
Dining · 1 item
Dining discounts through the current HDFC Bank dining programme
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on eligible ₹400-₹5,000 transactions, capped at ₹250 per statement cycle
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The reviewed product terms do not establish a universal numeric income threshold.
Other benefits · 2 items
Custom card colour and billing-date controls in PayZapp
Shown without a cash valueChoose your own card colour and billing date
Shown without a cash value
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Welcome benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source ↗
What stands out
- ✓ 5% cashback on two merchant packs you choose yourself, in the app
- ✓ 3% cashback on Amazon, Flipkart or PayZapp
- ✓ 1% cashback on eligible UPI spends on the RuPay variant
- ✓ Choose your own card colour and billing date
What to watch
You have to actively select and update your merchant packs in the PayZapp app: the accelerated rate does nothing on categories you forget to pick.
Recorded exclusions
Fuel Commute · Wallet load · Rent · Government payments · Emi · Cash withdrawal
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 21 Sept 2026