HDFC Bank has launched two digital credit cards on the PayZapp app, the Pixel Play and Go credit cards. Unlike the other credit cards issued by HDFC Bank, the Pixel credit cards are sourced only through the PayZapp app. The HDFC Bank Pixel Play credit card is the higher variant and comes with an annual fee of Rs 500. Read on to find more about the HDFC Bank Pixel Play credit card and if it is a good addition to your wallet.
Fees
| HDFC Bank Pixel Play Credit Card | |
|---|---|
| Joining Fee | Rs 500+GST or Zero |
| Joining Fee Waiver | Spend Rs 20,000 within 90 days |
| Welcome Benefit | None |
| Annual Fee | Rs 500+GST |
| Renewal Benefit | None |
| Annual Fee Waiver Spends | Rs 1 Lakh in a membership year |
Split Limit for existing HDFC Bank credit card customers
If you already hold another HDFC Bank credit card, then you will need to split your credit limit during the application process. Unlike other HDFC Bank credit cards, this does not get issued with a credit limit.
Rewards
- 5% cashback on any of the below two packs up to 500 CashPoints/month
- Dining & Entertainment Category – BookMyShow & Zomato
- Travel Category – MakeMyTrip & Uber
- Grocery Category – Blinkit & Reliance Smart Bazaar
- Electronics Category – Croma & Reliance Digital
- Fashion Category – Nykaa & Myntra
- 3% Cashback on choice of any one e-commerce merchant up to 500 CashPoints/month
- Amazon or Flipkart of PayZapp
- 1% cashback on all other spends
- 1% cashback on UPI spends with RuPay card up to 500 CashPoints/month
- No cashback on fuel, wallet, rent payment, government transactions
- Cashback is not applicable on transactions of less than Rs 100
- Cashback for insurance spends is capped at 2000 CashPoints/day
- 1 CashPoint is equal to Rs 1. This means we earn between 1% to 5% cashback on spends with the Pixel Play credit card.
The choice of categories can be changed every 3 months on the PayZapp app. You choose these during the application cycle and then every 3 months post that.
SmartBuy Rewards
HDFC Bank Pixel Play credit card is also eligible for SmartBuy platform. Cashback on SmartBuy transactions is capped at Rs 1000/calendar month.
| Shopping Category | Cashback |
|---|---|
| IGP.com | 10% |
| Flights | 5% |
| Hotels | 5% |
| IRCTC | 1% |
| RedBus | 5% |
| Instant Voucher | 5% |
| Apple Imagine Tresor | 5% |
| Zoom Car | 5% |
| Nykaa | 5% |
| Myntra | 5% |
| Jockey | 10% |
| MMT Holiday Packages | 5% |
| Pharmeasy | 10% |
Benefits
- 10% cashback on dining spends with Pixel RuPay credit card scan & pay
- The maximum CashPoints that can be earned per transaction is Rs 250.
- Maximum of 500 CashPoints can be earned in a calendar month.
- 10% Cashback is not applicable on transactions less than Rs 250.
- 1% fuel surcharge waiver at all fuel stations across India
- Applicable on a minimum transaction of Rs 400 and a maximum transaction of Rs 5000
- Maximum waiver of Rs 250 per statement cycle
CashPoints Redemption on the HDFC Bank Pixel Play Credit Card
Each CashPoint is equivalent Rs 1 for the Pixel Play credit cad. We can redeem these on the PayZapp app. The minimum CashPoints balance required for redemption is 1000 CashPoints. Unredeemed CashPoints will expire/lapse after 2 years of accumulation.
Airport Lounge Access
- Domestic Airport Lounge Access: Not Available
- International Airport Lounge Access: Not Available
Final Thoughts
The HDFC Bank Pixel Play credit card is quite a good offering. We earn 1% to 5% cashback on spends which makes this a good choice for spends. So, if you are into cashback credit cards do check out the Pixel Play card. And if you already have HDFC Millennia, you can also take the Pixel Play credit card as another card to get a good reward rate across your spends. The only con that we see on the Pixel Play card is the split limit requirement. This could have also been issued on a shared limit basis like the other HDFC Bank credit cards.
If you are looking for a more flexible cashback card, then also check out SBI Cashback which earns 5% on most online spends and is one of our top picks in cashback credit cards category.
Frequently Asked Questions
No, there is no complimentary railway lounge access on the Pixel Play credit card.
Yes, we get a physical card for the Pixel Play credit card as well.
HDFC Bank Pixel Play Credit Card
