Rated 19 Oct 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate
Premium · Open to new applications · Earns cashback
First-year fee
₹500 + GST
Annual fee
₹500 + GST
What it gives back
1% cashback · everyday spends
Compared with the cards we have read
Annual feeJoining fee
₹500 + GST
Fee waiver rule
Joining fee waived on spending ₹20,000 in first 90 days.
Add-on card fee
The bank's documents don't say.Checked 19 Oct 2026
Welcome benefit
The bank's documents don't say.Checked 19 Oct 2026
Reward rate
1% cashback · everyday spends1% CashBack on all transactions.
EMI spend earning
Not offered: EMI transactions do not accrue CashPoints.
Fuel earning
Not offered: fuel spends do not accrue CashPoints.
Government spend earning
Not offered: government related transactions do not accrue CashPoints.
Groceries earning
5% CashPoints on the Grocery pack (Blinkit and Reliance Smart Bazaar) if you choose it; you can select a maximum of only two packs and earn up to 500 CashPoints in a calendar month under the selected categories; only transactions on Blinkit or at physical stores at Reliance Smart Bazaar qualify
Insurance spend earning
From 1st Oct 2025, CashPoints accrued for insurance transactions have a maximum cap of 2000 per month
Online earning
3% CashPoints on one chosen e-commerce platform (PayZapp, Amazon or Flipkart); you can select a maximum of one platform and earn up to 500 CashPoints in a calendar month
Rent earning
Not offered: rent payments do not accrue CashPoints.
Reward earning on dining spends
5% CashBack on Dining & Entertainment Category (BookMyShow & Zomato) — choice of any two packs.
Travel earning
5% CashPoints on the Travel pack (MakeMyTrip and Uber) if you choose it; you can select a maximum of only two packs and earn up to 500 CashPoints in a calendar month under the selected categories; Uber transactions are considered only through MCC code 4121 and 7512
Wallet load earning
Not offered: e-wallet loading does not accrue CashPoints.
Reward exclusions
No CashPoints on fuel spends; wallet spends, gift or prepaid card load and voucher purchase; rent payments; government related transactions; EMI transactions; purchases converted to EMI post facto; cash advances; payment of outstanding balances, card fees and other charges.
Reward caps
Maximum 15000 CashPoints per calendar month under the 1% unlimited cashback on all other spends; insurance transactions have a maximum cap of 2000 per month; RuPay UPI purchases earn up to a maximum of 500 points in a calendar month
Award examples
Bank's example for the month: ₹8,000 at 5% plus ₹7,000 at 3% plus ₹6,000 at 1% earns 670 CashPoints in total.
What one reward unit is worth
1 CashPoint = ₹1 PayZapp Cashpoint on redemption.
Cashback redemption
CashPoints will be transferred to the PayZapp Cashpoint account post placing the redemption request in the app.
Catalogue redemption
Not offered: Reward Points are not convertible and can only be redeemed as PayZapp CashPoints into the PayZapp Mobile app
Points transfer redemption
Not convertible: Reward Points can only be redeemed as PayZapp CashPoints
Voucher and product redemption
Upon the accumulation of 1000 PIXEL CashPoints, they can be redeemed easily to the PayZapp Wallet and used to purchase your choice of brand vouchers within PayZapp digitally.
Point expiry
PIXEL CashPoints are valid for 2 years from the date of accumulation.
Smallest number of points that can be redeemed
1000 PIXEL CashPoints accumulated can be redeemed to the PayZapp Wallet.
Utilities earning
The bank's documents don't say.Checked 19 Oct 2026
Statement-credit redemption
The bank's documents don't say.Checked 19 Oct 2026
Flight redemption
The bank's documents don't say.Checked 19 Oct 2026
Hotel redemption
The bank's documents don't say.Checked 19 Oct 2026
Airline and hotel partners points may move to
The bank's documents don't say.Checked 19 Oct 2026
Reward earning on international spends
The bank's documents don't say.Checked 19 Oct 2026
Redeeming points for travel
The bank's documents don't say.Checked 19 Oct 2026
Renewal benefit
Renewal fee waived on spending ₹1,00,000 in the year; cash withdrawal transactions excluded
Movies and entertainment
5% CashPoints on the Dining & Entertainment pack (BookMyShow and Zomato) if you choose it; you can select a maximum of only two packs and earn up to 500 CashPoints in a calendar month under the selected categories
Retention or continued-access criteria
Card account is closed if it has not been used for a continuous period of 1 year and the cardholder does not start using it within 30 days of the bank's notice, subject to payment of all dues
Minimum spend rules
CashPoints are not applicable on transactions less than ₹100
The period milestones are measured over and when it resets
The bank's documents don't say.Checked 19 Oct 2026
Milestone benefits
The bank's documents don't say.Checked 19 Oct 2026
Domestic lounge access
The bank's documents don't say.Checked 19 Oct 2026
Spend that unlocks lounge visits in the next period
The bank's documents don't say.Checked 19 Oct 2026
International lounge access
The bank's documents don't say.Checked 19 Oct 2026
Golf
The bank's documents don't say.Checked 19 Oct 2026
Concierge
The bank's documents don't say.Checked 19 Oct 2026
Hotel or travel programme
The bank's documents don't say.Checked 19 Oct 2026
Priority Pass
The bank's documents don't say.Checked 19 Oct 2026
Membership tiers and what unlocks them
The bank's documents don't say.Checked 19 Oct 2026
Benefit given each anniversary year
The bank's documents don't say.Checked 19 Oct 2026
Fuel surcharge waiver
1% fuel surcharge waiver at all fuel stations across India on a minimum transaction of ₹400 and a maximum transaction of ₹5,000, with a maximum waiver of ₹250 per statement cycle
Surcharge on railway tickets
1% of transaction amount plus GST on IRCTC transactions
Lost card liability
Cardmember is wholly liable for all transactions before the loss of the card is reported; after the bank receives proper notification of the loss, the Cardmember's subsequent liability is zero. The Cardmember must also report any theft of the card to the Police, lodge a Police Complaint and provide a copy to the Bank.
Purchase to EMI conversion
Instant conversion of outstanding balance to EMIs via PayZapp.
Balance transfer terms
The bank's documents don't say.Checked 19 Oct 2026
Air accident cover
The bank's documents don't say.Checked 19 Oct 2026
Purchase protection
The bank's documents don't say.Checked 19 Oct 2026
Travel insurance
The bank's documents don't say.Checked 19 Oct 2026
What must be paid with the card for the cover to apply
The bank's documents don't say.Checked 19 Oct 2026
Credit shield cover
The bank's documents don't say.Checked 19 Oct 2026
Medical and hospitalisation cover
The bank's documents don't say.Checked 19 Oct 2026
Add-on card eligibility
The bank's documents don't say.Checked 19 Oct 2026
Forex markup
3.5% on foreign currency transactions.3.5% foreign transaction fee on all international purchases
Dynamic currency conversion markup
Markup fee of 1.75% on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.
Cash advance fee
2.5% of amount withdrawn or ₹500, whichever is higher.
Cash advance interest
3.75% monthly, 45% annually (excluding GST), on cash advances from the date of transaction until the payment is made in full
Cash withdrawal limit
40% of the Credit Limit.
Interest on unpaid balance
3.75% monthly, 45% annually (excluding GST)
Interest-free period
Up to 50 days from date of purchase
Late payment fee
₹100 to ₹1,300, depending on the total amount due.
Over-limit fee
Overlimit charges of 2.5% of the overlimit amount, subject to a minimum of ₹550, where the cardholder consents to the additional limit (Over Limit) that the Bank approves in its sole discretion
Payment return or dishonour fee
2% of the payment amount, subject to a minimum of ₹450
Card replacement fee
The reissue fee for the HDFC Bank Pixel Play Credit Card are as 199 + gst.
Education / school fee charge
1% fee on education transactions done through third-party apps like CRED, Nobroker, Cheq etc., capped at ₹4999 per transaction; not charged on education payments made directly through college or school websites or POS machines at their premises, or on international education transactions.
EMI conversion fee
SmartEMI processing fee: ₹249 (plus GST), effective from 1st Oct 26
Fee on online skill-based gaming spends
1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month, applied on the total online skill-based gaming spends in that month; fee capped at ₹4999 per month.
Foreign ATM fee
ATMs in India or abroad: 2.5% or ₹500 whichever is higher on the amount withdrawn.
Wallet load charge
1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month, applied on the total wallet loading spends in that month; fee capped at ₹4999 per month
Fuel transaction fee
1% fee on a fuel transaction exceeding ₹15,000, capped at ₹4999 per transaction.
Rent transaction fee
1% fee on the transaction amount for rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction.
Utility transaction fee
1% fee on utility spends exceeding ₹50,000 per calendar month, applied on the total utility spends in that month; fee capped at ₹4999 per month.
GST note
GST is applicable on all fees, interest and other charges
Grace days after the due date
3 grace days from the payment due date, where payments are not overdue.
Minimum amount due
Total GST + EMI amount + 100% of fees and charges + any overlimit amount + 5% of retail spends and cash advance, plus 100% of finance charges if finance charges are more than 5% of retail spends + 5% of finance charges, or 5% of finance charges if they are less; rounded to the next higher 10th digit. If this comes to ₹200 or below, it is charged as ₹200
What the card's fee or benefit year means
The bank's documents don't say.Checked 19 Oct 2026
Cash payment / cash deposit fee
The bank's documents don't say.Checked 19 Oct 2026
Fee for paying the bill by cheque
The bank's documents don't say.Checked 19 Oct 2026
Statement or duplicate statement fee
The bank's documents don't say.Checked 19 Oct 2026
Reward redemption fee
The bank's documents don't say.Checked 19 Oct 2026
Charge for lounge visits beyond the free limit
The bank's documents don't say.Checked 19 Oct 2026
Age the primary cardholder must be
Minimum 21 years; maximum 60 years if salaried; maximum 65 years if self-employed
Income requirement
Monthly income ₹25,000 if salaried; annual ITR > ₹6,00,000 if self-employed.
Income, salaried
Monthly income ₹25,000
Income, self-employed
Annual ITR > ₹6,00,000
Minimum age
Minimum: 21 years
Documents required
Identity Proof: Passport, Aadhaar card, Voter ID, Driving licence, PAN card, Passport size photographs.
Residency
Nationality: Indian
How the earn rate is rounded
CashPoints are rounded down towards the lowest integer; fractional CashPoints will not get accrued.
What happens to unredeemed points if the card is closed
If the card account is closed, any allowable claim for redemption of Reward Points must be made within 30 days of the date of closure
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.
Spends that do not count toward the fee waiver
Cash withdrawal transactions are excluded
What applies: Offer ended 31 Dec 2025
per PIXEL Play Credit Card Terms and Conditions
Card page says: Up to 10% off, no end date shown
“Enjoy upto 10% off on all your restaurant bill payments via Swiggy Dineout”
“The cardholder can save up to 10% on HDFC Bank credit card payments via Swiggy Dineout . The offer can be availed by the customer twice a month, capped at Rs 200 per transaction. The stated offer is valid till 31st December 2025.”
What applies: Capped at 15,000 CashPoints a month
per MITC PIXEL Credit Card 12Aug 26
PIXEL Play Credit Card Terms and Conditions says: Unlimited
“All other spends***** 1% Unlimited”
“The maximum CashPoints that can be earned for PIXEL Play & PIXEL Go credit Cards under "1% unlimited Cashback across all other spends" product feature Category is 15000 CashPoints per calendar month.”
What applies: 2,000 CashPoints a month from 1 Oct 2025
per MITC PIXEL Credit Card 12Aug 26
PIXEL Play Credit Card Terms and Conditions says: 2,000 CashPoints a day
“The CashPoints for Insurance Spends will get capped at 2,000 CashPoints per day.”
“W.e.f 1st Oct 2025 CashPoints / Reward points accrued for insurance transactions will have a maximum cap of 2000 per month.”
What applies: ₹199 + GST
per MITC PIXEL Credit Card 12Aug 26
Fees and charges page says: ₹100
“The reissue charges for the HDFC Bank Pixel Play Credit Card are ₹100.”
“Reissue of Lost, Stolen or Damaged Card: ₹199 + Applicable GST”
₹500 a year
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