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HDFC Bank

PIXEL Play

4532 6175 2147 1644

Valid thru

12/28

Acc

CREDIT

Card holder

HDFC BANK PIXEL PLAY C

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Customer service

HDFC Bank · 1800-XXX-XXXX

Authorized signature

CVV•••

HDFC Bank PIXEL Play Credit Card

Top reward: 5% CashPoints

Annual fee: ₹500

Min income: ₹25,000/mo

Property of HDFC Bank. If found, return to nearest branch. Not valid unless signed.

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Age 21–60 · From ₹25,000/mo income · Unsecured

Last verified 2026-11-06

UPI & RuPay·HDFC Bank

HDFC Bank PIXEL Play Credit Card

₹500 HDFC Pixel Play — NAV assumes dining + grocery 5% packs and Amazon/Flipkart/PayZapp at 3%. Caps ₹500 CashPoints/month per pack.

Age 21–60 · From ₹25,000/mo income · Unsecured

Key Benefits

All 11 benefits →

Two chosen 5% packs
5% CashPoints
500 pts/month each
One chosen e-commerce
3%
500 pts/month
Other spends / UPI (RuPay)
1%
UPI 500 pts/month
Fee waiver
₹1,00,000
yearly spend

Zero sales calls. Ever.

Caps & exclusions verified · 2026-11-06

At the bank: You complete the application on their website. The bank may follow up on that application — CardHungry never calls or texts you.

We earn commission if approved — at no cost to you.

WhatsApp updates

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Two chosen 5% packs: 5% CashPoints (cap 500 pts/month each)
One chosen e-commerce: 3% (cap 500 pts/month)
Other spends / UPI (RuPay): 1% (cap UPI 500 pts/month)
Pick two 5% brand packs + one 3% e-commerce platform
1% on other spends; 1% UPI on RuPay variant
Joining fee waived on ₹20,000 in 90 days
Annual fee waiver at ₹1,00,000 yearly spend
Forex markup: 3.5%
Fuel benefit: 1% surcharge waiver ₹400–₹5,000, max ₹250/cycle
Best for: Users who will pick 2 brand packs they actually use
Best for: PayZapp / Amazon / Flipkart shoppers

Source: HDFC PIXEL Play product page + T&Cs (Apr 2026) — ₹500 joining/renewal, waive ₹20k/90 days and ₹1L/year. NAV assumes dining + grocery packs.

Good for

Users who will pick 2 brand packs they actually use
PayZapp / Amazon / Flipkart shoppers

Skip if

Most of your spend is on excluded categories (EMI transactions, Rent)
You travel internationally often (3.5% forex markup)

UPI & RuPay

Earn on UPI credit payments via RuPay-linked cards

UPI rewards (credit on UPI)

Earns on UPI

UPI rate1% CashPoints on UPI (RuPay variant)

UPI cap500 CashPoints/month

Only the PIXEL Play RuPay variant can be linked for UPI credit. Visa variant cannot. Cap 500 CashPoints/month on UPI.

UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.

Reward Structure

Source: HDFC PIXEL Play product page + T&Cs (Apr 2026) — ₹500 joining/renewal, waive ₹20k/90 days and ₹1L/year. NAV assumes dining + grocery packs.

Two chosen 5% packs

5% CashPoints

Cap: 500 pts/month each

Example: ₹10,000/mo spend → ≈ ₹500/mo

One chosen e-commerce

Cap: 500 pts/month

Example: ₹10,000/mo spend → ≈ ₹300/mo

Other spends / UPI (RuPay)

Cap: UPI 500 pts/month

Example: ₹10,000/mo spend → ≈ ₹100/mo

Excluded categories (no rewards)

EMIRentWalletFuel (surcharge waiver only)

Fee waiver at

₹1,00,000 annual spend

Forex markup

3.5%

Fuel waiver

1% surcharge waiver ₹400–₹5,000, max ₹250/cycle

Net value at a glance

Based on moderate spend for this market

Est. net annual

₹8,460

per year

Annual fee

Free

per year

Effective return

2.3%

of spend

Net value snapshot

Rewards minus annual fee on your spend profile

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Fees & Charges — Full Disclosure

Annual fee ₹500 · Forex 3.5% — tap for full fees

Joining fee

Charged in first year · Bank-listed face fee (ex-GST). NAV math uses face × 1.18 GST.

₹500

Annual / renewal fee

Waived on ₹1,00,000 annual spend

₹500

Forex markup

3.5%

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user · Steady year

Gross rewards+ ₹8,880

Annual fee (incl. 18% GST)− ₹0

Forex cost− ₹420

Steady net / year₹8,460

Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.

Formulas and assumptions: How we calculate NAV

Eligibility Snapshot

21–60 years · ₹25,000/mo — tap for full criteria

Minimum age21–60 years

Min income (salaried)₹25,000/mo

Min income (self-employed)₹3,00,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with HDFC Bank PIXEL Play Credit Card?+

At moderate spend (₹31,000/mo), gross rewards are about ₹8,880/year. After the ₹500 annual fee, net value is approximately ₹8,460/year. Use the calculator above to model your own spends.

What is the minimum income for HDFC Bank PIXEL Play Credit Card?+

₹25,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI transactions, Rent, Wallet top-ups, Fuel (surcharge waiver only).