HDFC Pixel Play

Product Overview

HDFC Bank Pixel Play Credit Card is India's first fully digital and customizable credit card offered through the PayZapp App. The card allows users to choose their preferred cashback categories and offers personalized rewards on shopping, travel, dining, entertainment, and daily spending.

Eligibility Criteria

✔️ Applicant must be an Indian resident.

✔️ Age: 21–60 Years (Salaried).

✔️ Age: 21–65 Years (Self-Employed).

✔️ Minimum Net Monthly Salary: ₹25,000+.

✔️ Self-Employed Annual ITR: ₹6 Lakh+.

✔️ Good CIBIL Score (750+ preferred).

Features and Benefits

✔️ Choose Any 2 Cashback Packs and earn 5% Cashback on selected categories.

✔️ Choose Any 1 Merchant and earn 3% Cashback on spends with that merchant.

✔️ Earn 1% Unlimited Cashback on all other eligible spends.

✔️ Cashback credited as PIXEL CashPoints (1 CashPoint = ₹1).

✔️ RuPay Variant supports UPI Payments through Scan & Pay.

✔️ Save up to 10% on Swiggy Dineout payments using the card.

✔️ 1% Fuel Surcharge Waiver on eligible fuel transactions.

✔️ Instant EMI conversion through PayZapp with "Pay in Parts" feature.

✔️ Fully digital card management through PayZapp App.

✔️ Available in both Visa and RuPay variants.

Fees & Charges

✔️ Joining Fee: ₹500 + GST.

✔️ Annual Fee: ₹500 + GST.

✔️ Joining Fee Waiver: Spend ₹20,000 within first 90 days.

✔️ Annual Fee Waiver: Spend ₹1,00,000 or more in a year.

✔️ Interest-Free Period: Up to 50 Days.

✔️ Forex Markup Fee: 3.5%.

✔️ Finance Charges: Up to 3.6% per month (43.2% p.a.).

✔️ Late Payment Charges: As per HDFC Bank policy.

Documents Required

✔️ PAN Card

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Address Proof

✔️ Income Proof (Salary Slip / Form 16 / ITR)

✔️ Bank Statements (Last 3–6 Months)

✔️ Passport-size Photograph (if required)

FAQs

Q1. What makes PIXEL Play different from other HDFC cards?
Ans. PIXEL Play allows you to customize cashback categories and merchants based on your spending habits.

Q2. How much cashback can I earn?
Ans. You can earn 5% cashback on selected packs, 3% on one chosen merchant, and 1% on other eligible spends.

Q3. Is PIXEL Play available on UPI?
Ans. Yes, the RuPay variant supports UPI Scan & Pay transactions.

Q4. Can the annual fee be waived?
Ans. Yes, by spending ₹1 lakh or more in a year.

Q5. How are cashback rewards redeemed?
Ans. Cashback is earned as PIXEL CashPoints and can be redeemed through PayZapp.

Terms & Conditions

✔️ Maximum cashback on selected 5% categories is capped at 500 CashPoints per month.

✔️ Maximum cashback on selected 3% merchant category is capped at 500 CashPoints per month.

✔️ Rent, Wallet Loads, EMI Transactions, and Government Payments may not qualify for cashback.

✔️ Cashback is credited as PIXEL CashPoints and redeemed through PayZapp.

✔️ Approval is subject to HDFC Bank's credit assessment and eligibility criteria.