INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: Visa / RuPayShopping & Rewards CardsLast Verified: 2026-09-28

HDFC Pixel Play Credit Card

एचडीएफसी पिक्सेल प्ले क्रेडिट कार्ड

Customizable digital credit card inside PayZapp letting users pick their favorite 2 merchants for 5% cashback with 1:1 cash redemption.

Annual Fee₹500 + GST (Renewal: ₹500 + GST)

Reward RateCustomizable rewards: Choose your favorite dining/entertainment merchants on PayZapp for 5% CashPoints (Amazon, Flipkart, BookMyShow, Zomato, Swiggy). 3% CashPoints on merchant category choice. 1% CashPoints on all other retail transactions.

Airport LoungeNo complimentary airport lounge access is included on this digital-first card.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

HDFC Pixel Play is India's first digital-native customizable credit card engineered inside the PayZapp app. Targeted at Gen-Z digital spenders, it allows users to choose their favorite 2 merchants (such as Amazon, Zomato, or Swiggy) to earn 5% cashback with 1:1 statement redemption value.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹500 + GST (Renewal: ₹500 + GST)

Fee Waiver: Spend ₹1,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹500 waived.

🎁Welcome Benefit

500 Pixel CashPoints credited upon completing first transaction on PayZapp within 30 days of card issuance.

⚡Reward Points Structure

Customizable rewards: Choose your favorite dining/entertainment merchants on PayZapp for 5% CashPoints (Amazon, Flipkart, BookMyShow, Zomato, Swiggy). 3% CashPoints on merchant category choice. 1% CashPoints on all other retail transactions.

Redemption Value: 1 CashPoint = ₹1.00 directly redeemable against PayZapp wallet or card statement balance.

🛫Airport & Railway Lounge Access

No complimentary airport lounge access is included on this digital-first card.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard fraud liability cover up to credit limit under zero lost card liability.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Annual fee reversal on ₹1,00,000 annual spend. Custom merchant category re-selection every quarter via PayZapp app.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Requires active usage of the PayZapp mobile app to manage reward categories. 5% cashback is capped at ₹500 per month per category. No airport lounge access. Forex markup of 3.50% applies on international spends.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryCashPoints expire 2 years (24 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Indian nationals aged 21 to 40 years with minimum gross monthly income of ₹25,000 (Salaried) or annual ITR of ₹4,50,000 (Self-Employed).

Age Requirement21 to 40 Years

Minimum Income₹25,000/month (Salaried) / ₹4,50,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 720+ is standard. Digital-first underwriting allows swift approvals for new-to-credit profiles.

SBI RelationshipNot mandatory. Open to all PayZapp users.

How to Apply (Official Procedure)

Online Digital Application Flow

1Download and open the HDFC PayZapp app on mobile.

2Tap on 'Pixel Credit Cards' and enter PAN and mobile number.

3Choose your preferred card design and select your 2 top 5% cashback merchants.

4Enter employer details and monthly income.

5Complete instant Aadhaar OTP e-KYC and digital video verification.

6Digital card is issued instantly in PayZapp for UPI and e-commerce; physical card follows in 3 days.

Branch Application for Offline Applicants

While designed primarily for in-app PayZapp onboarding, applicants can visit any HDFC branch with PAN and Aadhaar for assisted digital onboarding.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card (mandatory for instant e-KYC)

3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet

4. Digital selfie captured during in-app V-KYC.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Pixel Play Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Pixel Play Credit Card into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Pixel Play Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 CashPoint = ₹1.00 directly redeemable against PayZapp wallet or card statement balance. Please note: CashPoints expire 2 years (24 months) from the date of accrual.

What is the interest-free grace period on HDFC Pixel Play Credit Card and how does it work?

The interest-free period on HDFC Pixel Play Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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