HDFC Bank PIXEL Play Credit Card
Best for: app-first shoppers who want to pick their own 5% cashback brands and manage the card in PayZapp.
Why it ranks
- Flexible choice of cashback brands
- Low fee with easy waivers
- RuPay variant earns on UPI spends
What holds it back
- 500 CashPoint monthly caps limit the 5% rate to ₹10,000 of spend per benefit
- No lounge access
- Needs the PayZapp app to apply and manage
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The HDFC Bank PIXEL Play Credit Card lets you pick two merchant packs for 5% CashPoints and one e-commerce platform for 3%, each capped monthly. It is applied for and managed in the PayZapp app, and the ₹500 fee is easy to waive.
HDFC Bank PIXEL Play Credit Card at a glance
| Issuer | HDFC Bank |
| Card network | Visa or RuPay |
| Annual fee | ₹500 + GST (joining fee waived on ₹20,000 spend in 90 days; renewal waived on ₹1 lakh annual spend) |
| Welcome bonus | See issuer for the current offer |
| Rewards rate | 5% CashPoints on two chosen merchant packs; 3% on your pick of Amazon, Flipkart or PayZapp; 1% on UPI spends (RuPay variant); each capped at 500 CashPoints a month |
| Intro APR | None |
| Regular APR | 3.75% a month (45% a year) |
| Foreign transaction fee | 3.5% |
| Airport lounge access | None |
| Credit needed | Salaried: ₹25,000 monthly income, age 21 to 60; self-employed: ITR above ₹6 lakh, age 21 to 65 |
| Best for | App-first shoppers who want to choose their own 5% cashback brands |
Key features
- Choose two 5% packs from dining and entertainment, travel, grocery, electronics and fashion
- 3% on your pick of Amazon, Flipkart or PayZapp
- Managed in PayZapp, including billing date and card colour
- FD-backed PIXEL version available with no income proof
- 1% fuel surcharge waiver, up to ₹250 a cycle
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: hdfc.bank.in · hdfc.bank.in · hdfc.bank.in
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | HHDFC BankPIXEL Play₹500/yr · IN HDFC Bank PIXEL Play Credit CardApp-first shoppers who want to choose their own 5% cashback brands |
₹500/yr | 5% CashPoints on two chosen merchant packs; 3% on your pick of Amazon, Flipkart… | See issuer for the current offer | 3.5% | Salaried: ₹25,000 monthly income… | |
| 2 | IICICI BankAmazon PayNo annual fee · IN Amazon Pay ICICI Bank Credit CardAmazon regulars who want a free everyday cashback card |
None | 5% Amazon (Prime), 3% (non-Prime), 1% elsewhere | Amazon Pay balance offer on activation (varies) | 1.99% markup on foreign cu… | Invite-only; ICICI lists age 21+… | |
| 3 | AAxis BankACE₹499/yr · IN Axis Bank ACE Credit CardAnyone who wants high cashback on bills and everyday spends |
₹499/yr | 5% on bills via Google Pay, 4% on Swiggy, Zomato and Ola (₹500 shared cap per st… | No fixed welcome bonus; value comes from ongoing cashback | 3.5% markup on foreign cur… | Good | |
| 4 | SSBI CardCashback SBI₹999/yr · IN Cashback SBI CardOnline shoppers who want simple, automatic cashback |
₹999/yr | 5% online (up to ₹2,000 a cycle), 1% offline (up to ₹2,000 a cycle), from 1 Apri… | No fixed welcome bonus; annual fee waived on Rs.2 lakh spend | 3.5% markup on foreign cur… | Good |
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