Lootdealtricky
HDFC Bank Pixel Play Credit Card A Customizable Cashback Card for Smart Spenders
Key Highlights
✅ Entry-Level Card with Low Annual Fee (₹500 + taxes)
✅ Up to 5% Cashback on Select Brands & Categories
✅ Customizable Rewards – Choose Your Preferred Cashback Packs
✅ 3% Cashback on Amazon/Flipkart/PayZapp (Pick One)
✅ 1% Cashback on UPI Spends (RuPay Variant)
✅ Joining Fee Waiver on ₹20K spends in 90 days
✅ Annual Fee Waiver on ₹1L+ yearly spends
Cashback Structure
| Spend Category | Cashback Rate | Monthly Cap |
|---|---|---|
| Choice of 2 Packs (Dining, Travel, Grocery, Electronics, Fashion) | 5% | ₹500 |
| SmartBuy (HDFC Portal) | 5% | ₹500 |
| E-commerce (Amazon/Flipkart/PayZapp – Pick One) | 3% | ₹500 |
| UPI Spends (RuPay Only) | 1% | ₹500 |
| All Other Spends | 1% | Unlimited |
Customizable Cashback Packs (Pick 2)
- Dining & Entertainment – Zomato, BookMyShow
- Travel – MakeMyTrip, Uber
- Grocery – Blinkit, Reliance Smart Bazaar
- Electronics – Croma, Reliance Digital
- Fashion – Myntra, Nykaa
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹500 (Waived on ₹20K spends in 90 days) |
| Annual Fee | ₹500 (Waived on ₹1L+ yearly spends) |
| Forex Markup | 3.5% |
| Late Payment Charges | ₹100–₹1,300 (Based on due amount) |
Pros & Cons
✔ Pros
- Customizable cashback categories
- Low fee waiver thresholds
- UPI-linked RuPay benefits
- Digital card management via PayZapp
✖ Cons
- Limited redemption (Only via PayZapp wallet)
- No airport lounge access
- Complex reward structure for beginners
Lootdealtricky Rating: 3.5/5 ⭐⭐⭐⭐
Best For: Budget-conscious users who prefer brand-specific cashback and digital card management.
FAQs ❓
1. What is the HDFC Bank Pixel Play Credit Card?
The HDFC Pixel Play Credit Card is a digital cashback card with customizable features, allowing you to choose:
- 2 cashback categories from 5 options (e.g., Dining, Travel, Grocery, Electronics, Fashion).
- 1 preferred e-commerce merchant (Amazon/Flipkart/PayZapp) for 3% cashback.
- Card design and billing cycle date.
Cashback is earned as CashPoints (redeemable as PayZapp wallet balance).
2. What are the cashback rates and caps?
| Category | Cashback Rate | Monthly Cap (CashPoints) |
|---|---|---|
| Selected 2 Packs (e.g., Zomato, Myntra, etc.) | 5% | 500 |
| SmartBuy spends | 5% | 500 |
| Choice of 1 e-commerce (Amazon/Flipkart/PayZapp) | 3% | 500 |
| UPI Spends (RuPay variant only) | 1% | 500 |
| All other spends | 1% | Unlimited |
Exclusions: Fuel, rent, EMI, wallet loads, government transactions.
3. What are the fees and waiver conditions?
- Joining Fee: ₹500 + taxes (waived if you spend ₹20K in 90 days).
- Annual Fee: ₹500 + taxes *(waived if you spend ₹1L/year)*.
- Late Fees: ₹100–₹1,300 (based on overdue amount).
- Forex Markup: 3.5%.
4. How does the customization work?
You can select:
- 2 “Packs” (e.g., Dining & Entertainment: Zomato + BookMyShow).
- 1 e-commerce brand for 3% cashback.
- Card design and billing date during application.
Note: Customization is fixed post-issuance.
5. What are the key benefits?
✔ Joining/Renewal Benefits: Fee waivers on spends.
✔ Dining: Up to 25% savings via Swiggy Dineout.
✔ Fuel Surcharge Waiver: 1% (on ₹400–₹5,000 transactions).
✔ Digital Management: All features via PayZapp app.
Limitations:
❌ No lounge access.
❌ CashPoints redemption only via PayZapp.
6. How to redeem CashPoints?
- Minimum Redemption: 1,000 CashPoints (= ₹1,000).
- Validity: 2 years from earning.
- Options: Pay bills, recharge, buy vouchers (100+ brands on PayZapp).
7. Who should apply for this card?
- Those who spend frequently on partner brands (e.g., Zomato, Myntra).
- Users preferring low-fee, customizable cashback cards.
- Individuals comfortable with digital-only card management (PayZapp).
8. How does it compare to AU LIT Card?
| Feature | HDFC Pixel Play | AU LIT |
|---|---|---|
| Annual Fee | ₹500 (waivable) | “Lifetime Free” (but pay-per-feature) |
| Customization | Fixed categories | More flexible (rewards, milestones, etc.) |
| Redemption | PayZapp only | Multiple options |
9. How to apply?
Visit HDFC Bank’s website
Eligibility:
- Salaried/Self-employed (21–65 years).
- Monthly income ≥ ₹25K (salaried) or ITR ≥ ₹6L (self-employed).
Alternatives to Consider
🔹 Amazon Pay ICICI – Better for Amazon shoppers
🔹 SBI Cashback Card – Flat 5% on online spends
🔹 HDFC Millennia – Simpler rewards structure
📞 Need More? Leave a query or check eligibility for better offers!
Why Choose This Card?
Ideal if you want brand-specific rewards and low fees, but explore alternatives if you prefer simpler cashback or lounge access.
✨ Apply Now & Maximize Your Savings! ✨
