HDFC Bank PIXEL Play Credit Card
HDFC Bank
Annual / renewal fee
₹500 (Annual membership / renewal fee, plus GST).
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
Earn rate
- Cashback earned in the form of CashPoints, calculated as a percentage of transaction value per product feature.
- Includes 1% unlimited cashback across all other spends.
- RuPay Pixel purchases via UPI earn reward points up to a maximum of 500 points in a calendar month.
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
PIXEL Play Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
Official source not yet captured
Annual / renewal fee
₹500 (Annual membership / renewal fee, plus GST).
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
Fee waiver
- Joining fee waived on spending ₹20,000 in first 90 days.
- Renewal fee waived on spending ₹1,00,000 per annum (excludes cash withdrawal).
- Joining fees will be charged if card is closed within 90 days of issuance irrespective of any acquisition pricing offer.
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
Renewal fee
- ₹500.
- Renewal fee waived on spending ₹1,00,000 in the year.
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
Rewards
- Cashback earned in the form of CashPoints, calculated as a percentage of transaction value per product feature.
- Includes 1% unlimited cashback across all other spends.
- RuPay Pixel purchases via UPI earn reward points up to a maximum of 500 points in a calendar month.
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM IST
Redemption value
- CashPoints redeemed via PayZapp Mobile App, transferred to PayZapp CashPoints balance.
- Negative CashPoints balance carried >60 days debited at 1 CashPoint = ₹1.
- Reward Points valid for 2 years from date of accumulation.
- CashPoints nullified if card not used for more than 365 days.
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
Reward cap
- Maximum cashback under '1% unlimited Cashback across all other spends' is ₹15000 per calendar month.
- W.e.f 1st Oct 2025 CashPoints for insurance transactions capped at 2000 per month.
- RuPay UPI-mode purchases earn max 500 points per calendar month.
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
Reward exclusion
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Eligibility
- FD Backed Cards: Customers cannot close the Fixed Deposit while the card is Live.
- Lien on the FD removed only after card closure subject to outstanding in the Pixel Credit Card being cleared.
- Bank carries out KYC due diligence before opening any Pixel Credit Card account.
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
Charges & interest
Forex markup
Foreign Currency Transactions: 3.5% of transaction value (currency conversion rate as on settlement date applicable).
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
Charge
- Cash advance fee: 2.5% or ₹500 whichever is higher.
- Finance charge (revolving credit & cash advances): 3.75% per month (45% p.a.), w.e.f 1st Oct'25.
- Railway ticket purchase fee: 1% of transaction amount + GST.
- Payment return charges: 2% of payment amount, minimum ₹450.
- SmartEMI processing fee: ₹199 + GST.
- SmartEMI pre-closure charges: 3% of balance principal outstanding.
- EasyEMI processing fee: up to ₹299.
- Rent Pay transactions (w.e.f 1st Oct 2025): 1% fee, capped at ₹4999 per transaction.
- Reissue of lost/stolen/damaged card: ₹199 + GST.
- Fuel charges (w.e.f 1st Oct 2025): 1% on fuel transactions exceeding ₹15,000, capped at ₹4999 per transaction.
- Utility charges (w.e.f 1st Oct 2025): 1% on utility spends exceeding ₹50,000 per calendar month, capped at ₹4999 per month.
- Education charges (w.e.f 1st Oct 2025): 1% on education via third party apps (CRED, Nobroker, Cheq etc.), capped at ₹4999 per transaction.
- Wallet loading excl PayZapp (w.e.f 1st Oct 2025): 1% on wallet loading exceeding ₹10,000 per calendar month, capped at ₹4999 per month.
- Online skill based gaming (w.e.f 1st Oct 2025): 1% on spends exceeding ₹10,000 per calendar month, capped at ₹4999 per month.
- Dynamic currency conversion markup fee (w.e.f 20th May 2026): 1.75% on transactions in Indian currency at international location or at India-located merchants registered overseas.
- Late payment charges (w.e.f 1st Oct 2025): Nil up to ₹100.
- ₹100 for ₹101-500.
- ₹500 for ₹501-1000.
- ₹600 for ₹1001-5000.
- ₹750 for ₹5001-10000.
- ₹900 for ₹10001-25000.
- ₹1100 for ₹25001-50000.
- ₹1300 for more than ₹50,000.
- Cash withdrawal limit: 40% of credit limit.
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver, capped at ₹250 per billing cycle.
- Waiver capped at 1% of eligible fuel transaction amount, applicable for transactions between ₹400 and ₹5,000 (GST on fuel surcharge not reversed).
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
Interest-free period
- Interest free (grace) period ranges from 20 to 50 days.
- For HDFC Bank Pixel Card up to 50 days.
- Not applicable if previous month's balance is not cleared in full or if cash has been availed from ATM.
VerifiedKey Fact Statement cum MITC (English) - PIXEL Play29 Jul 2026, 1:45 AM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the PIXEL Play Credit Card?
Officially traced: Rs. 500 (Annual membership / renewal fee, plus GST).
Key Fact Statement cum MITC (English) - PIXEL PlayIs the PIXEL Play Credit Card annual fee ever waived?
Joining fee waived on spending Rs. 20,000 in first 90 days; renewal fee waived on spending Rs. 1,00,000 per annum (excludes cash withdrawal).
Key Fact Statement cum MITC (English) - PIXEL PlayHow does the PIXEL Play Credit Card earn rewards?
Cashback earned in the form of CashPoints, calculated as a percentage of transaction value per product feature; includes 1% unlimited cashback across all other spends.
Key Fact Statement cum MITC (English) - PIXEL PlayWhat are the transfer ratios for PIXEL Play Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/credit-cards/pixel-play-credit-card.
VerifiedPIXEL Play Credit Card product page29 Jul 2026, 1:45 AM ISTHDFC Bank
Verified 2026-07-28 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.