HDFC
HDFC PIXEL Play Credit Card
LIFETIME FREE Card
This is an invite only card
Apply and get ₹1100 Rewards
Top Benefits
Earn 5% Cashback
on food delivery and entertainment spends on BookMyShow and Zomato when Dining and Entertainment is selected as a chosen category
Enjoy Up to 10% Off
on restaurant bill payments via Swiggy Dineout at 20,000+ restaurants when paying through the Swiggy app only
Best For
Shopping
Dining
Grocery Shopping
Travel
UPI
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Expert Review
As a finance expert reviewing the HDFC PIXEL Play, I find its core proposition—customization—to be its strongest asset. Most cards dictate where you get the best value, but the PIXEL Play lets you match the card to your actual spending habits. Getting a guaranteed 5% back on Zomato and Blinkit simply by choosing them in the PayZapp app is fantastic for daily utility. The 3% back on Amazon and Flipkart is a reliable safety net for general shopping.
However, the card is not without flaws. A notable drawback is the strict exclusion of standard categories like rent and fuel from earning any rewards, combined with high incidental fees like a 1% rent payment charge. Furthermore, locking the entire experience behind the PayZapp ecosystem might frustrate users who prefer desktop net banking.
Ultimately, if your monthly expenses hover around Rs. 10,000 on digital platforms, food delivery, and online shopping, this card is a superb addition to your wallet. You will hit the Rs. 1 lakh waiver target and enjoy healthy, automated cashback without paying annual fees.
Joining/Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
The cost structure for the HDFC PIXEL Play is very reasonable. The card comes with a one-time joining f...
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The cost structure for the HDFC PIXEL Play is very reasonable. The card comes with a one-time joining f...
The cost structure for the HDFC PIXEL Play is very reasonable. The card comes with a one-time joining fee of Rs. 500, which is charged when the card is issued. However, the bank provides an easy way out: if you spend Rs. 20,000 within the first 90 days of card issuance, this joining fee is completely waived. Breaking that down, you need to spend about Rs. 6,700 per month for the first three months to avoid the initial cost.
Moving forward, there is an annual renewal fee of Rs. 500 charged every year. You can also dodge this fee entirely. The annual fee is waived if your total spending on the card reaches Rs. 1 lakh or more in the preceding year. That averages out to Rs. 8,333 a month in regular expenses like groceries, dining, and online shopping, making it very easy to hold this card for free year after year.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The initial joining fee is Rs. 500 plus applicable taxes.
Is the joining fee one-time or recurring?
The joining fee is a one-time charge applied only when the card is first issued to you.
Can the joining fee be waived?
Yes, the joining fee is waived if you spend Rs. 20,000 within 90 days of receiving the card.
What is the annual or renewal fee?
The card carries an annual fee of Rs. 500, which is charged from the second year onwards.
From when is the annual fee charged?
The annual fee is charged every year on your card anniversary date, starting 12 months after issuance.
Is there an annual fee waiver option?
Yes, the Rs. 500 annual fee is completely waived if you spend Rs. 1 lakh or more in the previous year.
What is the spending requirement for annual fee waiver?
You need to spend Rs. 1 lakh in a year, which means spending Rs. 8,333 per month on average.
Is the fee waiver based on calendar year or card anniversary year?
The spending threshold of Rs. 1 lakh is calculated based on your card anniversary year, not the calendar year.
How can I get this card lifetime free?
Consistently spending Rs. 1 lakh annually ensures the renewal fee is waived each year, effectively making the card free.
What happens if I don't meet the fee waiver spending requirement?
If you fall short of the Rs. 1 lakh spend target, the Rs. 500 annual fee will be charged to your next statement.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
750+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
To secure the HDFC PIXEL Play Credit Card, you need to meet a clear set of eligibility requirements. Th...
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To secure the HDFC PIXEL Play Credit Card, you need to meet a clear set of eligibility requirements. Th...
To secure the HDFC PIXEL Play Credit Card, you need to meet a clear set of eligibility requirements. The bank mandates that primary applicants must be between 21 and 60 years old at the time of application. For self-employed individuals, the upper age limit is 65 years. A solid credit history is crucial; you will need a CRIF score of 750 or higher for your application to be considered.
Income requirements depend on your employment type. If you are salaried, you need a minimum annual income of Rs. 3 lakh. That breaks down to Rs. 25,000 per month, making it highly accessible for early-career professionals. If you are self-employed, the requirement is higher—you must show a minimum annual income of Rs. 6 lakh.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary applicant must be at least 21 years old to apply.
What is the maximum age limit for the primary cardholder?
The maximum age limit is 60 years for salaried individuals and 65 years for self-employed applicants.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum annual income of Rs. 3 lakh, which equals Rs. 25,000 per month.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must demonstrate a minimum annual income of Rs. 6 lakh.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed individuals are fully eligible to apply.
What credit score is needed for approval?
A minimum CRIF credit score of 750 is required as per the bank's eligibility criteria.
Will my application be rejected if my credit score is below 750?
Yes, a score below 750 means you do not meet the bank's minimum criteria, and your application will be rejected.
Do I need an existing HDFC Bank account to apply?
An existing HDFC Bank account is not a mandatory requirement for application, though it can streamline the verification process.
Can I get add-on cards for family members?
Add-on cards are available for immediate family members including parents, spouse, and children above 18 years of age.
Can I check my eligibility without affecting my credit score?
Yes, using an initial online eligibility check involves a soft pull, which does not harm your credit score. Only the final application triggers a hard inquiry.
All Card Benefits
- Earn 5% cashback on the choice of any two categories including Dining & Entertainment (BookMyShow, Zomato), Travel (MakeMyTrip, Uber), Grocery (Blinkit, Reliance Smart Bazaar), Electronics (Croma, Reliance Digital), and Fashion (Nykaa, Myntra)
- Earn 3% Cashback on Amazon, Flipkart, or PayZapp transactions, as applicable
- Earn 1% cashback on UPI spends (PIXEL RuPay Credit Card holders only)
Welcome Benefits
As a new cardholder, you receive a solid welcome boost to kickstart your savings. T...
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Welcome Benefits As a new cardholder, you receive a solid welcome boost to kickstart your savings. T...
Welcome Benefits
As a new cardholder, you receive a solid welcome boost to kickstart your savings. The HDFC PIXEL Play Credit Card offers a welcome benefit of 5% cashback on all online spends and 1% cashback on offline spends. For example, if you spend Rs. 5,000 online shortly after receiving your card, you will earn Rs. 250 in cashback right out of the gate.
Customizable 5% Cashback Categories
This is where the card truly shines. You get to select any two categories from a curated list to earn 5% cashback. The choices include Dining & Entertainment (BookMyShow, Zomato), Travel (MakeMyTrip, Uber), Grocery (Blinkit, Reliance Smart Bazaar), Electronics (Croma, Reliance Digital), and Fashion (Nykaa, Myntra). Let's say you choose Zomato and Blinkit. If you spend Rs. 4,000 on Zomato and Rs. 6,000 on Blinkit in a month, you will earn Rs. 500 in pure cashback just from those two choices.
3% Cashback on Major E-commerce
Beyond your custom choices, the card provides a steady 3% cashback on transactions made via Amazon, Flipkart, or PayZapp. If you buy a new smartphone for Rs. 20,000 on Flipkart, you will automatically earn Rs. 600 back. This makes the card highly valuable for standard online shopping needs outside your 5% categories.
Dining Benefits
For food lovers, if you specifically choose the Dining & Entertainment category, you lock in 5% cashback on Zomato orders. This means a weekend food delivery bill of Rs. 1,000 will put Rs. 50 back into your pocket. Note that this specific 5% dining benefit is tied to Zomato within the customizable options.
Fully Digital Management
The HDFC PIXEL Play is built for convenience. The entire onboarding process and card management happen digitally via the PayZapp app. You can control card limits, view statements, handle repayments, track recent transactions, raise disputes, and manage your rewards all from your smartphone. It is a hassle-free approach to modern banking.
Reward Points Structure
The HDFC PIXEL Play operates entirely on a direct cashback model rather than traditional reward points. This means you do not have to worry about complex conversion ratios or catalogues. Your earnings are calculated as straight percentages of your spending: 5% on your two chosen categories, 3% on major e-commerce (Amazon, Flipkart, PayZapp), and the welcome rates. This straightforward structure ensures you always know exactly how much value you are getting back.
View FAQ
Commonly Asked Questions
What welcome benefits do I get with this card?
You earn 5% cashback on all online spends and 1% cashback on offline spends as an introductory welcome benefit.
How do I qualify for the welcome bonus?
Complete an eligible transaction after card activation to start earning the welcome cashback rates.
Is there a minimum transaction amount for the welcome benefit?
You must make a minimum transaction of Rs. 100 within 30 days to activate the card and ensure eligibility for rewards.
Do offline purchases qualify for the welcome benefit?
Yes, offline purchases earn a 1% cashback rate under the welcome benefit structure.
Which categories can I choose for the 5% cashback?
You can pick two from Dining & Entertainment, Travel, Grocery, Electronics, and Fashion, covering specific merchants like Zomato, Uber, and Blinkit.
Can I change my 5% cashback categories later?
You can modify your chosen cashback categories once every calendar quarter through the PayZapp app settings.
How much cashback will I earn if I spend Rs. 10,000 in my chosen categories?
A spend of Rs. 10,000 in your selected 5% categories will yield exactly Rs. 500 in cashback.
Are there any caps on the 5% cashback I can earn?
The 5% cashback category is capped at Rs. 500 per billing cycle.
Which platforms earn the 3% cashback?
You earn 3% cashback on eligible transactions made on Amazon, Flipkart, and the PayZapp platform.
Does paying bills through PayZapp earn 3% cashback?
Yes, eligible transactions processed through PayZapp earn the 3% rate, excluding utility, insurance, and government payments which are ineligible for rewards.
How much do I save if I buy a Rs. 50,000 laptop on Amazon?
With the 3% cashback rate, a Rs. 50,000 purchase on Amazon will earn you Rs. 1,500 in cashback.
Are third-party wallet loads on Amazon or Flipkart eligible for 3% cashback?
No, wallet top-ups are strictly excluded from earning any cashback on this card.
Does this card offer discounts at restaurants?
The primary dining benefit is the 5% cashback you earn on Zomato if you select it as one of your custom categories.
Does Swiggy also get 5% cashback?
The explicit 5% benefit listed for dining is for Zomato. Swiggy transactions earn the base reward rate of 1% as they are not part of the specialized 5% merchants.
How much do I earn on a Rs. 2,000 Zomato order?
If you selected Zomato as a 5% category, a Rs. 2,000 order earns you Rs. 100 in cashback.
Can I use the card for dine-in payments via Zomato?
Yes, as long as the transaction is processed through the Zomato platform, it qualifies for the 5% cashback if selected.
Do I need to download a specific app for this card?
Yes, you need the PayZapp app, which acts as the central hub for onboarding and managing all aspects of the PIXEL Play card.
Can I block my card temporarily using the app?
Yes, the app provides full card controls, allowing you to easily lock or block the card if needed.
How do I view my cashback statements?
All statements, including earned cashback and recent transactions, are clearly visible within the PayZapp application.
Is the application process completely paperless?
Yes, the card features fully digital onboarding through PayZapp, eliminating the need for physical paperwork.
What is the standard reward rate on this card?
You earn 5% cashback on two customized categories and 3% cashback on Amazon, Flipkart, and PayZapp.
How many reward points do I earn per Rs. 100 spent?
This card earns direct cashback instead of points. For a 5% category, spending Rs. 100 earns Rs. 5 cashback directly.
What is the value of 1 reward point in rupees?
Since this is a pure cashback card, earnings are in Indian Rupees, so there is no point-to-rupee conversion needed.
Which transactions are excluded from earning cashback?
Fuel, wallet loads, rent, government payments, EMI transactions, and cash advances do not earn any cashback.
Do I earn cashback on fuel purchases?
No, fuel spends are explicitly excluded from earning any cashback on this card.
Do I earn cashback on utility bill payments?
Utility payments do not earn cashback on this card as they are classified under the standard list of excluded categories.
Do I earn cashback on rent payments?
No, rent payments are completely excluded from earning cashback and also attract a 1% processing fee.
Do I earn cashback on insurance premium payments?
Insurance premium payments are excluded from the cashback program as they fall under financial institution exclusions.
Are there any bonus reward points for annual spending milestones?
This card focuses on daily cashback percentages rather than annual bonus points. Spending Rs. 1 lakh waives your annual fee.
How can I redeem my accumulated rewards?
The cashback you earn is automatically adjusted against your monthly credit card statement, requiring no manual redemption process.
Is there a minimum point balance required for redemption?
Since cashback is automatically adjusted to your statement, there is no minimum balance required to see the benefits.
Is there a fee for redeeming my cashback?
No redemption fee applies to this card because the cashback is credited automatically to your monthly statement.
Do my cashback earnings expire?
Earned cashback remains valid for 12 months from the date it is credited to your account.
Can I transfer my cashback to another bank account?
No, the cashback is strictly applied as a credit against your outstanding credit card bill.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and your cashback is adjusted in your monthly statement.
To check redemption catalogue
N/A
The redemption process for the HDFC PIXEL Play Credit Card is incredibly simple because it is entirely ...
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The redemption process for the HDFC PIXEL Play Credit Card is incredibly simple because it is entirely ...
The redemption process for the HDFC PIXEL Play Credit Card is incredibly simple because it is entirely automated. You do not need to log into a separate rewards portal, browse catalogues, or manually convert points. The value you earn is pure cashback.
At the end of your billing cycle, all the 5% and 3% cashback you have accumulated is calculated and automatically adjusted against your monthly credit card statement. For example, if your total credit card bill for the month is Rs. 15,000, and you earned Rs. 800 in cashback from your Zomato and Amazon purchases, your effective payable amount automatically reduces to Rs. 14,200. This zero-hassle approach means you never forget to claim your rewards before they expire.
View FAQ
Commonly Asked Questions
How do I redeem the cashback I have earned?
The cashback is automatically adjusted as a credit against your monthly statement balance.
Is cashback credited automatically or do I need to request it?
It is completely automated; no manual redemption request is required.
How long does it take for cashback to reflect in my account?
Cashback earned during a billing cycle is reflected and adjusted in that specific month's generated statement.
What can I redeem my rewards for?
This is strictly a statement cashback card, meaning your rewards are applied as a direct financial credit and cannot be redeemed for merchandise or gift vouchers.
Is there a minimum cashback balance needed before redemption?
No, because the process is automated, any cashback you earn is adjusted against your bill regardless of the amount.
What is the value I get when I earn cashback?
The value is 1:1 in rupees. If your statement says you earned 500 in cashback, exactly Rs. 500 is deducted from your bill amount.
Is there a fee for redeeming my cashback?
No redemption fee is charged for this card because the cashback is automatically adjusted against your monthly statement.
What happens to my unredeemed cashback if I close the card?
Closing the account results in the forfeiture of any pending cashback that has not yet been applied to a statement.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
Wallet Spends
Rent Payments
Government‑Related Transactions
EMI Transactions
Purchases converted to EMI post‑facto
Cash Advances
Outstanding Payments
Bank Charges & Fees
For Spends Waiver
Fuel spends
Wallet Spends
Rent Payments
Government‑Related Transactions
EMI Transactions & Post‑Facto
EMI Conversions
Cash Advances
Outstanding Payment
To maximize your savings, you must understand where the card does NOT earn cashback. The HDFC PIXEL Pla...
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To maximize your savings, you must understand where the card does NOT earn cashback. The HDFC PIXEL Pla...
To maximize your savings, you must understand where the card does NOT earn cashback. The HDFC PIXEL Play strictly excludes several transaction types from earning any rewards. If you spend Rs. 3,000 on fuel, you earn zero cashback. If you use the card to pay Rs. 15,000 for rent, you earn nothing and will be charged a 1% fee on top of it. Loading Rs. 5,000 into a digital wallet like Paytm or Amazon Pay also yields no rewards.
Furthermore, any payments to the government, outstanding payment clearings, cash advances, bank charges, and any purchases you convert into EMIs (Equated Monthly Installments) will not earn cashback. Knowing these exclusions helps you decide when to use this card versus another payment method.
View FAQ
Commonly Asked Questions
Which transactions do not earn cashback on this card?
Fuel spends, wallet loads, rent payments, government transactions, cash advances, and EMI conversions do not earn cashback.
Are fuel transactions excluded from earning rewards?
Yes, fuel transactions are completely excluded from earning any cashback rate.
Does paying rent with this card earn cashback?
No, rent payments earn zero cashback and attract a 1% transaction fee.
Do wallet top-ups earn cashback on this card?
No, transferring money to any digital wallet is an excluded category and earns nothing.
Will I earn cashback if I convert my large purchase into an EMI?
No, both upfront EMI transactions and purchases converted to EMIs post-facto are excluded from earning cashback.
Are government tax payments excluded from earning rewards?
Yes, all government-related transactions are excluded from the cashback program.
What happens if I accidentally make a payment in an excluded category?
The payment will process normally, but you will not accumulate any cashback for that specific transaction.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid. | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets. | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees ₹25 for cheque value up to ₹5,000 and ₹50 for cheque value above ₹5,000. | ₹25 |
Cash Payment Fees ₹100 cash payment fee per deposit. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1,000 | ₹500 |
| ₹1,001 - ₹5000 | ₹600 |
| ₹5001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹900 |
| ₹25,001 - ₹50,000 | ₹1100 |
| ₹50,001 and above | ₹1300 |
Understanding the complete fee structure of the HDFC PIXEL Play is essential to ensure your cashback ea...
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Understanding the complete fee structure of the HDFC PIXEL Play is essential to ensure your cashback ea...
Understanding the complete fee structure of the HDFC PIXEL Play is essential to ensure your cashback earnings aren't eaten up by hidden charges. This card is low-maintenance, provided you pay your bills on time and utilize it primarily for everyday shopping rather than cash extraction or delayed payments.
Joining Fee: A one-time joining fee is charged at the time of card issuance. The fee is Rs. 500. This fee is fully waived if you spend Rs. 10,000 within 90 days. For example, using the card for just Rs. 3,500 of groceries a month for the first three months clears this hurdle.
Annual or Renewal Fee: The annual fee is Rs. 500. It is waived entirely if you spend Rs. 1 lakh or more in a year. If your monthly card spend averages Rs. 8,500 across utilities and shopping, you will not pay this fee.
APR or Interest Rate: If you fail to make payment for your statement in due time, the bank charges interest at a 3.75% monthly rate. This is a high rate that compounds daily. For instance, if you carry an unpaid balance of Rs. 10,000, you will be charged Rs. 375 in interest for that month.
Late Payment Charges: Missing your due date results in fine slabs based on your outstanding balance: Rs. 0 for balances up to Rs. 100; Rs. 100 (Rs. 100-500); Rs. 500 (Rs. 501-1,000); Rs. 600 (Rs. 1,001-5,000); Rs. 750 (Rs. 5,001-10,000); Rs. 900 (Rs. 10,001-25,000); Rs. 1,100 (Rs. 25,001-50,000); and Rs. 1,300 for balances above Rs. 50,000. If you miss a Rs. 6,000 bill, you will be hit with a Rs. 750 late fee.
Foreign Transaction or Forex Markup Fee: A 3.5% forex markup is charged on transactions made in currencies other than INR. If you buy a software subscription online billed in US Dollars equivalent to Rs. 10,000, the bank will add a Rs. 350 fee to your statement.
ATM Cash Withdrawal Fee: No interest-free period is applicable on cash withdrawals, and interest is charged at 3.75% per month from the exact date of withdrawal. If you withdraw Rs. 10,000 from an ATM, you will immediately start accruing Rs. 375 a month in interest, plus a 2.5% cash advance fee.
Rent Payment Convenience Fee: 1% of the transaction amount is charged as a fee on rent payment transactions. If you use the card to pay Rs. 20,000 in rent, you will incur a Rs. 200 fee, and since rent earns no cashback, this results in a net loss.
Railway Surcharge: A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied. Booking a Rs. 2,000 train ticket online via IRCTC will add an extra Rs. 36 surcharge to your transaction.
Cash Payment Fee: There is a Rs. 100 cash payment fee per deposit. If you visit an HDFC branch to clear your credit card bill using physical cash, the bank will charge you Rs. 100 for the service.
Cheque Payment Fee: A fee of Rs. 100 is charged for payments made through cheque. Paying your bill by dropping a cheque in the bank's dropbox will add Rs. 100 to your next billing cycle.
Reward Redemption Fee: No reward redemption handling fee is charged for this card as all cashback is automatically credited to your statement monthly.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 500 (Waived on Rs. 10,000 spend in 90 days) |
| Annual Fee | Rs. 500 (Waived on Rs. 1 Lakh annual spend) |
| Interest Rate (APR) | 3.75% per month |
| Late Payment Fee | Rs. 0 to Rs. 1,300 (based on balance slab) |
| Forex Markup | 3.5% |
| Cash Withdrawal | 3.75% per month from date of withdrawal |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | 1.80% online / 2.50% offline |
| Cash/Cheque Payment Fee | Rs. 100 per instance |
| Redemption Fee | Rs. 0 (Automated statement credit) |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 500, but it is waived if you spend Rs. 10,000 in the first 90 days.
What is the annual or renewal fee?
The annual fee is Rs. 500, charged from the second year onwards.
Is there an annual fee waiver based on spending?
Yes, spending Rs. 1 lakh or more in a year waives the Rs. 500 annual fee.
What is the interest rate if I don't pay my full balance?
You will be charged an interest rate of 3.75% per month on the unpaid balance.
How is the interest calculated on outstanding balances?
If you fail to pay the full amount by the due date, the 3.75% monthly interest is applied from the date of the original transaction.
What are the late payment charges?
Late fees range from Rs. 0 to Rs. 1,300, depending on the exact outstanding balance on your statement.
Is the late payment fee different based on outstanding amount?
Yes, the fee increases with the balance amount. For instance, a Rs. 15,000 balance incurs a Rs. 900 fee.
What is the forex markup for international transactions?
A 3.5% markup is applied to all transactions processed in a foreign currency.
Can I withdraw cash using my credit card?
Yes, but it incurs an immediate 3.75% monthly interest rate with no interest-free grace period.
Are there fees for paying rent with this card?
Yes, the bank charges a 1% fee on the total rent payment amount, and you earn no cashback.
Is there a fee for paying my bill in cash?
Yes, depositing cash at an HDFC branch to pay your bill costs Rs. 100.
What are the charges for cheque payment of bills?
Paying your credit card bill via cheque attracts a Rs. 100 processing fee.
Are there charges for railway ticket bookings?
Yes, there is a 1.80% surcharge for online railway bookings and 2.50% for offline bookings.
Is there a fee to redeem my reward points?
No fee applies because the cashback is automatically adjusted against your statement.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What documents do I need for the application?
You need your Aadhaar number for digital e-KYC and your original physical PAN card for the Video KYC process.
Do I need to submit physical copies of my documents?
No, the process is fully digital via PayZapp, so physical document submission is not required.
Will I be asked for income proof?
Applicants must provide their latest three months' salary slips or their most recent ITR as part of the income verification process.
Can I use a digital PAN card for Video KYC?
No, you must present your physical original PAN card to the agent during the Video KYC call.
What if my current address is different from my Aadhaar address?
You must provide an alternative proof of current address, such as a recent utility bill or rental agreement, during the digital application.
Who Should Get This Card?
The Urban Millennial: "I order from Zomato twice a week and buy my groceries on Blinkit. I want rewards without tracking points."
Verdict: Perfect match. Choose Dining and Grocery as your two 5% categories and watch the automatic cashback roll in against your statement. The Rs. 1 lakh annual waiver is easily reachable.
The Traditional Spender: "I mostly buy things from local offline stores, pay in cash often, and prefer visiting a bank branch for service."
Verdict: Look elsewhere. The PIXEL Play is heavily biased toward digital spends (3% and 5% rates) and requires app-based management via PayZapp. The offline rate is minimal.
Credit Limit and What to Expect
Your credit limit on the HDFC PIXEL Play is determined by the bank based on your income, existing credit score (minimum 750 CRIF required), and overall financial health. The card also features a revolving credit facility, allowing you to carry a balance at applicable interest rates if you cannot pay in full, though this should be used cautiously due to high APRs.
View FAQ
Commonly Asked Questions
How is my credit limit decided?
The bank decides your limit based on your stated income (minimum Rs. 3 lakh for salaried), your CRIF score, and your repayment capacity.
What is a revolving credit facility?
It means you can choose to pay only the minimum due amount and carry the remaining balance to the next month, though this incurs an interest charge of 3.75% per month.
Can I request a credit limit increase later?
Yes, after six months of responsible usage and timely payments, you can request a limit increase directly through the PayZapp app.
What is the minimum credit limit offered on this card?
The starting credit limit typically begins at Rs. 25,000 for eligible applicants and scales based on your income profile.
Will my limit decrease if I don't use the card?
Prolonged inactivity over a 12-month period leads to a limit reduction or card deactivation as per standard banking safety protocols.
Can I set daily transaction limits?
Yes, the fully digital card controls in PayZapp allow you to set and modify daily limits for online, offline, and contactless transactions.
How to Apply?
Applying for the HDFC PIXEL Play Credit Card is a fully digital, streamlined process designed for speed. You start by downloading the PayZapp application or navigating through a partner platform. You will fill out your basic details, employment information, and complete the digital onboarding steps right from your phone.
The process utilizes Video KYC, meaning you can verify your identity without visiting a branch. Keep your original PAN card and Aadhaar card handy during the video call. Ensure you have a stable internet connection and are in a well-lit room. Once the VKYC is successfully completed and your application is approved, your digital card is activated, and you can start using it immediately through PayZapp while the physical card is mailed to you.
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Commonly Asked Questions
Where can I apply for this credit card?
You can apply directly through the PayZapp app, the HDFC Bank website, or authorized partner platforms.
What is Video KYC and is it mandatory?
Video KYC is a digital identity verification process via a video call. It is the mandatory method for the fully digital onboarding of this card.
What do I need for a successful Video KYC call?
You need your physical PAN card, a quiet, well-lit space, a blank piece of paper with a black pen for your signature, and a strong internet connection.
How can I track my application status?
You can track your application status directly within the PayZapp app using your registered mobile number and application ID.
How long does the approval process take?
With digital onboarding via PayZapp, approval occurs within 2 to 5 business days following a successful VKYC.
Do I need to visit a branch to complete the application?
No, the entire process, including card management, is fully digital and does not require branch visits.
What happens if my Video KYC fails?
If VKYC fails due to connectivity or document clarity, you will be prompted to restart the digital process or provide physical KYC documents for manual verification.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹1100 Rewards
Top Benefits
Earn 5% Cashback
on food delivery and entertainment spends on BookMyShow and Zomato when Dining and Entertainment is selected as a chosen category
Enjoy Up to 10% Off
on restaurant bill payments via Swiggy Dineout at 20,000+ restaurants when paying through the Swiggy app only
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