HDFC Bank PIXEL Play Credit Card
HDFC Bank
A fully digital, customizable card for the app-first crowd — you pick your own bonus categories.
₹500
Joining fee
₹500, waived at ₹1L spend
Annual fee
Joining fee is nil, though the aggregator notes a Rs 500 fee is waived on Rs 20,000 spend within 90 days, suggesting a paid variant also exists; annual fee is nil (lifetime free).
3.5%
Forex markup
4.1 / 5
Rating
Eligibility
Estimated minimum income: ₹25,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 680+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried min Rs 25,000/month; self-employed ITR exceeding Rs 6 lakh annually.
Key features
- Fully digital, app-managed via PayZapp
- Choose 2 of 5 cashback category packs (5%)
- 3% on one chosen e-commerce merchant
- 1% unlimited elsewhere
Reward details
1% unlimited cashback on all other purchases
- 5% cashback on 2 cardholder-selected categories from 5 groups (dining & entertainment, travel, grocery, electronics, fashion) — 500 points/month
- 5% cashback on SmartBuy purchases — 500 points/month
- 3% cashback on One chosen e-commerce platform (Amazon or Flipkart) — 500 points/month
- 1% cashback on UPI spends (RuPay variant only) — 500 points/month
Redemption
CashPoints redeem via the PayZapp app wallet for bill payments, recharges, or brand vouchers. Points valid a minimum 2 years but expire after 365 days of account inactivity.
Ratio: 1:1
Excluded from rewards: fuel, rent, EMI, e-wallet loading, government-related spends
- Customizable billing date and card color.
- Up to 50 days interest-free period.
- Fuel surcharge waiver 1% on Rs 400-5,000, capped at Rs 250/month.
Real-world feedback
Not found in a distinct quotable form; the customizable-category structure is presented by aggregators as its main differentiator versus fixed-category cashback cards, though no specific complaint or praise quotes were located.
Sources
- Aggregator — fees, eligibility, forex, lounge, rewards
- Official (not independently verified) — product listing (search result only)