HDFC Bank
HDFC Bank PIXEL Play Credit Card
Cashback as CashPoints: 5% on two merchant packs you choose, 3% on one e-commerce platform you choose, 5% on SmartBuy, 1% on everything else; all capped monthly, and fuel and rent earn nothing.
- ₹500 joining, ₹500 a year
- Works on UPI (RuPay)
- Visa / RuPay
Pros and cons
Good
- 5% on groceries, well above the 2% the best free card pays
- Fee pays for itself from about ₹1,400 a month of groceries
- Annual fee waived at ₹1,00,000 of spend a year
- Works on UPI and earns 1% there
Watch out for
- Tight cap: rewards on groceries and travel stop after about ₹10,000 of spend a month
- Earns nothing on fuel, wallet loads, rent and government payments
- High forex markup (3.5%)
- Who it's for
- People who spend about ₹1,400 or more a month on groceries.
- Skip it if
- You spend under ₹1,400 a month on groceries.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 1% (base rate)
- Online shopping
- 3%
- Fuel
- 0%
- Groceries
- 5%
- UPI
- 1%
- Travel
- 5%
- Dining and food delivery
- 5%
Fees and charges
- Joining fee
- ₹500
- Annual fee
- ₹500
- Fee waiver
- Joining fee waived on spends of ₹20,000 within 90 days of issuance; renewal fee waived on spends of ₹1,00,000 or more in a year before renewal date
- Forex markup
- 3.5%
- Fuel surcharge waiver
- 1% waiver on fuel transactions of ₹400 to ₹5,000, capped at ₹250 per statement cycle
Benefits and eligibility
- Airport lounge
- Not published by the bank
- Card network
- Visa, RuPay
- UPI payments
- Yes, as a RuPay credit card
- Minimum income (salaried)
- ₹25,000 a month
- Eligibility
- Salaried: Indian national, age 21-60, monthly income ₹25,000. Self-employed: Indian national, age 21-65, ITR above ₹6,00,000 a year. Approval at HDFC Bank's sole discretion.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the HDFC Bank PIXEL Play Credit Card?
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Questions people ask
Is the HDFC Bank PIXEL Play Credit Card worth it in 2026?
Yes, if you spend about ₹1,400 or more a month on groceries. Below that, the Scapia Federal Bank Credit Card (Visa + complimentary RuPay) pays 2% for free. The catch: tight cap: rewards on groceries and travel stop after about ₹10,000 of spend a month.
Is the HDFC Bank PIXEL Play Credit Card lifetime free?
No. It costs ₹500 to join and ₹500 a year, plus GST. Joining fee waived on spends of ₹20,000 within 90 days of issuance; renewal fee waived on spends of ₹1,00,000 or more in a year before renewal date.
Does the HDFC Bank PIXEL Play Credit Card work on UPI?
Yes, it's a RuPay card, so you can link it to UPI apps for merchant payments; it earns 1% on UPI spends.
Does the HDFC Bank PIXEL Play Credit Card give airport lounge access?
No complimentary airport lounge access.
What earns no rewards on the HDFC Bank PIXEL Play Credit Card?
No CashPoints on fuel, wallet loads, gift or prepaid card loads and voucher purchases (MCC 6540), rent, government-related transactions, EMI transactions and purchases converted to EMI later, cash advances, payment of outstanding balances, card fees and charges, and transactions under ₹100. Excluded merchant category codes (MCCs): 1361, 5172, 5541, 5542, 5983, 9752, 6513, 6540, 7349, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950. Amazon Pay wallet loads get no 3%.
Is there a limit on rewards with the HDFC Bank PIXEL Play Credit Card?
5% on the two chosen merchant packs is capped at 500 CashPoints (₹500) per calendar month combined; grocery and travel get 5% only if those packs are chosen. Beyond the cap, pack spends earn 1%. 5% on SmartBuy (flights, hotels, bus, rail, IGP, instant vouchers) is capped at 500 CashPoints per calendar month; spends beyond the cap earn nothing. 3% on the one chosen e-commerce platform (Amazon, Flipkart or PayZapp) is capped at 500 CashPoints per calendar month; beyond the cap, 1%. 1% on UPI spends (RuPay variant only) is capped at 500 CashPoints per calendar month. 1% on all other spends is capped at 15,000 CashPoints. CashPoints on insurance spends are capped at 2,000 per month.
Who can get the HDFC Bank PIXEL Play Credit Card?
The bank publishes a minimum income of ₹25,000 a month for salaried applicants. Self-employed people can apply: ITR above ₹6 lakh a year; age 21-65; Indian national. Salaried: Indian national, age 21-60, monthly income ₹25,000. Self-employed: Indian national, age 21-65, ITR above ₹6,00,000 a year. Approval at HDFC Bank's sole discretion. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read HDFC Bank's own terms and product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 18 Oct 2026 on HDFC Bank's official page. Fees and rewards change; check the issuer's terms before you apply.