HDFC Pixel Play Credit Card

Overview

Apply for PIXEL Play Credit Card and customise your offers based on your needs. Get 5% cashback on any 2 choice of merchants. Get 1% Unlimited Cashback on other spends.

Rewards

Benefits

• 100% In-App PayZapp Integration: Instant card generation, customizable billing cycles, real-time transaction notifications, card design color customization, and instant category selection in PayZapp.
• RuPay UPI Scan & Pay Support: Available on RuPay network allowing linking with PayZapp, GPay, and PhonePe for seamless merchant UPI QR payments.

Things to Know Before you apply

Fees & Charges

Fee waiver: Spend ₹1,00,000 or more in preceding 12 months for 100% renewal fee waiver.

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Rating

4.5/5

5.0/5

Highest rated

4.5/5

Fee Details

Joining Fee

₹500

Annual/Renewal Fee

₹500

Joining Fee

₹7,000

Annual/Renewal Fee

₹7,000

Joining Fee

₹499

Annual/Renewal Fee

₹499

Lowest fees

Welcome Benefit

• • 500 bonus CashPoints on card activation and joining fee payment within 30 days.

• • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
• • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
• • Fulfillment Timeline: Credited within 60 days of card issuance

• • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance

Reward/Cashback Rate

• • 5% CashPoints on your choice of 2 favorite merchant categories (e.g. Dining, Travel, Entertainment, Grocery)
• • 3% CashPoints on your choice of 1 top e-commerce merchant (Amazon, Flipkart, or PayZapp)
• • 1% unlimited CashPoints on all other retail card spends

• • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
• • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
• • Excluded Categories: Fuel transactions
• • Wallet loading
• • Cash advances

• • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
• • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
• • 2 Reward Points per ₹150 on all other categories
• • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets

Pros

• • 5% CashBack on choice of any two following packs:
• • Dining & Entertainment Category - BookMyShow & Zomato
• • PIXEL Play Credit Card offers 5% Cashback on selected brand, and 3% Cashback on choice of Ecommerce Platform. Customers are also eligible for 1% CashBack on all transactions, 5% on SmartBuy purchases, and 1% on UPI spends (for the RuPay variant).
• • High value reward program
• • Wide merchant acceptance

• • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
• • Forex markup rate of 1.5%
• • Airport lounge and lifestyle dining privileges
• • Value-packed milestone rewards on annual spend

• • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
• • Low ₹499 joining and annual fee
• • 4 complimentary domestic lounge visits per year
• • Annual fee waiver on ₹50,000 spend

Cons

• • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified

• • Annual renewal fee of ₹7000
• • Reward exclusion on fuel purchases and wallet load transactions

• • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
• • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
• • No specific minimum income figure disclosed