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HDFC Bank

HDFC Pixel Play Credit Card

CashbackVisa / RuPay

A fully digital, customizable cashback credit card from HDFC Bank with ₹0 joining and ₹0 renewal fee. Available in Play and RuPay variants, it lets you pick 2 merchant packs for 5% cashback and 1 e-commerce option for 3% cashback, all managed inside the PayZapp app.

Joining fee

₹0

Annual fee

₹0

Rewards

5% on 2 chosen packs, 3% on 1 chosen e-commerce app

Best for

Digital-first users who want to customise their cashback categories

Applications are assessed by the issuing bank. CardPower does not approve applications or guarantee eligibility.

HDFC Pixel Play Credit Card card design

Key benefits

  • ₹0 joining fee and ₹0 renewal fee — a lifetime free credit card
  • Available in two variants: Pixel Play and Pixel Play RuPay, with slightly different benefit sets
  • Customizable cashback (Play variant): 5% cashback on 2 selected merchant packs chosen from Dining & Entertainment, Travel, Grocery, Electronics or Fashion
  • Customizable cashback (Play variant): 3% cashback on 1 selected e-commerce option — Amazon, Flipkart or PayZapp
  • 5% cashback on eligible SmartBuy spends
  • 1% cashback on eligible UPI spends — applicable to the RuPay variant
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per month
  • Manage via PayZapp — card controls, cashback tracking and redemption all inside the HDFC PayZapp app
  • Cashback converts to applicable cash points as supported by the card program

Fees & charges

Joining fee
₹0
Renewal fee
₹0
Foreign exchange markup
3.5%
Finance charges
3.6% per month (43.2% per annum)
Cash advance fee
2.5% of the amount withdrawn or ₹500, whichever is higher
Fuel surcharge waiver
1% on ₹400–₹5,000 transactions, max ₹250 per month

Eligibility

  • Eligibility is assessed by HDFC Bank at the time of application
  • Card is issued and managed digitally through the HDFC PayZapp app

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