HDFC Pixel Play Credit Card

HDFC Bank PIXEL Play Credit Card Features & Benefits

Experience the first all-digital credit card with HDFC PIXEL Play, designed to tailor benefits to your lifestyle.

• Seamless Digital Onboarding: Enjoy a smooth digital onboarding process via the PayZapp app and receive an instant digital credit card.
• Customise Your Card: Choose your preferred merchants to earn cashback, select your card design, and pick your preferred billing cycle date.
• You can change your selected cashback categories every three months after your first selection. 
• All-in-One App: Manage your HDFC PIXEL Play credit card through the PayZapp app. Access features like Card Controls, Rewards, EMI Dashboard, Statements, Repayments, Recent Transactions, Disputes, Hotlisting, Help Center, Notifications, and more.

Rewards on HDFC PIXEL Play Credit Card

Get a 5% cash back on any two packs:

• Dining & Entertainment: BookMyShow & Zomato
• Travel: MakeMyTrip & Uber
• Grocery: Blinkit & Reliance Smart Bazaar
• Electronics: Croma & Reliance Digital
• Fashion: Nykaa & Myntra

Get a 3% cashback on one e-commerce merchant: Choose from Amazon, Flipkart, or PayZapp.

Get a 1% unlimited cashback: On all other spending.

Cashback on the two category packs is capped at 500 CashPoints per month, and cashback on the e-commerce merchant is also capped at 500 CashPoints per month. Spends beyond these caps earn 1% cashback, and total CashPoints earned are capped at 15,000 per month. 

CashPoints are not earned on fuel, wallet or prepaid card loads, rent, government transactions, EMI transactions, cash advances, and payment of outstanding balances, card fees and other charges. 

A minimum balance of 1,000 CashPoints is required for redemption, and 1 CashPoint is equal to Rs.1 in your PayZapp balance. 

Pay in Parts

• Instant EMI Conversion: Convert your PIXEL Play Credit Card outstanding balance to EMIs with one click via PayZapp.
• EMI Dashboard: Manage all your live EMIs within the EMI dashboard from PayZapp.
• Flexible Tenures: Choose low-cost and flexible repayment tenures for selected transactions or outstanding balances.
• 100% Digital: No documentation, emails, or calls required. Convert to EMI and manage repayments fully through PayZapp.

Additional Features

• Zero Lost Card Liability: Report a lost PIXEL Play Credit Card immediately to our 24-hour call centre to avoid any liability for fraudulent transactions.
• Interest-free Credit Period: Enjoy up to 50 days of interest-free period from the date of purchase.
• Revolving Credit: Available at a nominal interest rate. Refer to the Fees and Charges section for more details.
• Exclusive Dining Privileges: Save up to 10% on restaurant bills via Swiggy Dineout (inclusive of Restaurant and Swiggy Discounts).
• The Swiggy Dineout offer can be availed twice a month, with a maximum discount of Rs.200 per transaction. 
• Pixel CashPoints: Cashback is credited as PIXEL CashPoints, manageable in the PayZapp app. Redeem them for brand vouchers or other purchases within PayZapp. CashPoints are valid for two years from the date of accumulation.

Fuel Surcharge Waiver

• Get a 1% waiver at all fuel stations across India on transactions between Rs.400 and Rs.5,000 (maximum waiver of Rs.250 per statement cycle).

Joining Benefit

• Get a joining fee waiver by spending Rs.20,000 within 90 days of issuance.

Renewal Waiver

• Spend Rs.1 lakh or more in the preceding 12 months to waive the renewal membership fee for the next year.

Contactless Payment

• Swipe to Pay: Make quick and secure online payments without an OTP.
• Tap & Pay: Enable contactless payments for fast, convenient, and secure retail transactions.

Statements & Repayments

• View and download digital statements via PayZapp. Check outstanding balances and make repayments using UPI, Debit Card, or Netbanking.

How to Apply

• Download or Update PayZapp: Get the PayZapp app from the Google Play Store or the App Store.
• Apply: Click the 'Apply Now for PIXEL Play' banner on the PayZapp homepage.
• HDFC Bank issues the PIXEL Play Credit Card on both the Visa and RuPay networks, with the Visa variant as a physical card and the RuPay variant as a digital card. 
• You can also apply for an FD-backed PIXEL Credit Card through the PayZapp app, where HDFC Bank marks a lien on your fixed deposit as security for the card. 

Eligibility

For Salaried Individuals

• Age: Minimum 21 years, Maximum 60 years
• Income: Gross monthly income greater than Rs.25,000

For Self-employed Individuals

• Age: Minimum 21 years, Maximum 65 years
• Income: Annual income as per ITR greater than Rs.6 lakh

Fees & Charges

Note: Interest rates updated on 05 October 2026. 

Summary

The HDFC Pixel Play Credit Card is a PayZapp-based digital credit card that offers cashback on your choice of category packs and one e-commerce merchant, plus 1% on other eligible spends. Check the fee table and eligibility criteria above before you apply. You can apply online through the PayZapp app.