Annual fee₹500+ GST
Forex markup3.5%
Interest3.75%a month
NetworkVisa / RuPay
You earn
Perks & rules
What changed
30 Jul 2026Card T&C now caps 1% on other spends at 15,000 CashPoints a month and gives 1% (not zero) after the 500-point caps on the 5% and 3% offers
20 May 2026Card reissue fee is ₹199 + GST (was ₹100 + GST)
20 May 20261.75% markup on rupee payments made abroad or to merchants registered overseas
1 Oct 20251% fee on rent, on fuel over ₹15,000, utilities over ₹50,000 a month, wallet loads and gaming over ₹10,000 a month, and education paid via third-party apps
1 Oct 2025Insurance CashPoints capped at 2,000 a month; no CashPoints on online skill-based gaming
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asCashback, given as CashPoints
Base rate1% on other spends
Higher rates
- 2 packs you pick: 5% on the 2 brand packs you choose: Dining (BookMyShow, Zomato), Travel (MakeMyTrip, Uber), Grocery (Blinkit, Reliance Smart Bazaar stores), Electronics (Croma, Reliance Digital stores), Fashion (Nykaa, Myntra). You can swap packs every 3 months in the app.
- Amazon, Flipkart or PayZapp: 3% on 1 shopping site you choose: Amazon, Flipkart or PayZapp (not on UPI payments or Amazon Pay wallet loads)
- SmartBuy: 5% on SmartBuy flights, hotels, bus, rail, instant vouchers, IGP and Apple Imagine Tresor
- UPI (RuPay): 1% on UPI payments (RuPay variant only)
Limits
- 5% packs: up to 500 CashPoints a calendar month; after that 1%
- 3% shopping site: up to 500 CashPoints a calendar month; after that 1%
- SmartBuy 5%: up to 500 CashPoints a month; UPI 1%: up to 500 a month
- 1% on other spends: up to 15,000 CashPoints a calendar month
- Insurance: up to 2,000 CashPoints a month
- No CashPoints on transactions under ₹100; rounded down
Doesn't earn on
- Fuel, wallet loads, gift/prepaid cards and vouchers, rent, government, EMI (and purchases later converted to EMI), cash advances, fees
- Online skill-based gaming
Where it landsCashPoints show in the PayZapp app once the merchant settles the transaction; caps run per calendar month
What a point is worth
Value1 CashPoint = ₹1 PayZapp CashPoint; redeem to PayZapp from 1,000 CashPoints and use for brand vouchers in PayZapp. No statement-credit option is stated.
Expiry2 years from the date earned; all lost if the card isn't used for 365 days
Redemption feeNot stated in the documents read
Welcome benefit
WelcomeNone stated
Milestones
MilestonesNone stated
Airport lounges
DomesticNone
InternationalNone
Fuel
Fuel1% surcharge waiver on ₹400–₹5,000, up to ₹250 a statement cycle; no CashPoints on fuel
Spending abroad
Forex markup3.5%
Fees
Joining fee₹500 + GST (waived if you spend ₹20,000 in the first 90 days)
Annual fee₹500 + GST
Fee waiverRenewal fee waived if you spend ₹1 lakh in the year
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil up to ₹100)
Interest3.75% a month (45% a year)
Cash withdrawal2.5% or ₹500, whichever is higher
Who can apply
Age21–60 years (salaried), 21–65 (self-employed)
SalariedMonthly income ₹25,000
Self-employedITR above ₹6 lakh a year
More perks
Perks
- You choose your billing date and card colour in the PayZapp app
- Up to 10% off restaurant bills paid via Swiggy Dineout (offer terms on S2 say valid till 31 Dec 2025)
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- PIXEL Play product page Product page · 2 Oct 2026
- PIXEL Play Credit Card T&C (updated 30 Jul 2026) Card T&C · 30 Jul 2026
- Key Fact Statement & MITC for PIXEL Credit Cards Fee schedule · 7 Sep 2026
- PIXEL Play Credit Card T&C (earlier version, 22 Dec 2025) Card T&C · 22 Dec 2025
Card image: HDFC Bank's own website.
