
HDFC Pixel Play Credit Card
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Cashback Rate
Cardholder will get 5% cashback on any two packs of your choice - Dining & Entertainment Category – BookMyShow & Zomato - Travel Category – MakeMyTrip & Uber - Grocery Category – Blinkit & Reliance Smart Bazaar - Electronics Category – Croma & Reliance Digital - Fashion Category – Nykaa & Myntra.
3% cashback any one E-commerce merchant of your choice - Amazon or Flipkart or PayZapp.
1% unlimited cashback across all other spends.
Movie Benefits
Dining Benefits
Get up to 25% off on dining through Swiggy Dineout.
Other Benefits
Instant digital credit card. Annual fee reversal on spend of Rs 50,000 in any year.
Lounge Access
Fees & Charges
Joining Fee
INR 500 /- + Applicable Charges
Annual Fee
INR 500 /- + Applicable Charges
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.6% per month (i.e., 43.2% per annum)
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%
Other Fees
Cash Advance Charges: A transaction fee of 2.5% or ₹500 whichever is higher | Reward Redemption Fee: INR 99
Cons
Fuel benefits are restricted only to HPCL outlets.
Higher rewards are offered only on fuel transactions.
Low reward redemption value.
Maximum capping on earning reward points.
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance. 2000 Bonus reward points on spending ₹5,000 or more in the first 60 days of issuance.
Reward System: The value of 1 reward point = INR 0.25. Users will get 10 reward points for every ₹150 spent on grocery and departmental stores. Effective cashback rate: 1.67%. 24 reward points for every Rs.150. Effective cashback rate = 4% + 1% Fuel surcharge = 5%. 10 RP and 24 RP are subject to a maximum of 1,000 reward points each per month, any spends on 10 RP and 24 RP spend categories beyond threshold spends will accrue points as per the regular rate.
Other Benefits: 4 lounge access per year (1 per quarter) at partner domestic lounges for Primary cardholders, 25% off up to ₹100 on the purchase of a minimum of 2 tickets per transaction on Paytm.
Rewards & Benifits
Welcome Benefits
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance. 2000 Bonus reward points on spending ₹5,000 or more in the first 60 days of issuance.
Rewards System
International Forex Markup
Foreign Currency Markup: 3.5% on all foreign transactions.
Welcome Benefits and Reward System
Special Features
Reward System: Cardholder will get 5% cashback on any two packs of your choice
- Dining & Entertainment Category – BookMyShow & Zomato
- Travel Category – MakeMyTrip & Uber
- Grocery Category – Blinkit & Reliance Smart Bazaar
- Electronics Category – Croma & Reliance Digital
- Fashion Category – Nykaa & Myntra
3% cashback any one E-commerce merchant of your choice
- Amazon or Flipkart or PayZapp
1% unlimited cashback across all other spends.
Eligibility Criteria
You must be an Indian citizen.
You must be 21-60 years of age.
Your net monthly income must be greater than INR 25,000 if you are salaried, and your ITR must be greater than Rs. 6 lakhs per annum if you are self-employed.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement.
Apply online: Visit the HDFC Bank website or app and fill out the online application form.
Documents: Submit the required documents like PAN card, address proof, and income proof.
Verification: HDFC will verify your documents and creditworthiness.
Approval: Upon approval, you will receive your credit card within 7-10 working days.
Contact Details
1800 1600
Account Opening and Procedure



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Pros:-
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Cons:-
Welcome Benefit: Users will get 500 reward points on spending Rs 5000 or more in the first 60 days of card issuance. 2000 Bonus reward points on spending ₹5,000 or more in the first 60 days of issuance.
Reward System: The value of 1 reward point = INR 0.25. Users will get 10 reward points for every ₹150 spent on grocery and departmental stores. Effective cashback rate: 1.67%. 24 reward points for every Rs.150. Effective cashback rate = 4% + 1% Fuel surcharge = 5%. 10 RP and 24 RP are subject to a maximum of 1,000 reward points each per month, any spends on 10 RP and 24 RP spend categories beyond threshold spends will accrue points as per the regular rate.
Other Benefits: 4 lounge access per year (1 per quarter) at partner domestic lounges for Primary cardholders, 25% off up to ₹100 on the purchase of a minimum of 2 tickets per transaction on Paytm.
Fuel benefits are restricted only to HPCL outlets.
Higher rewards are offered only on fuel transactions.
Low reward redemption value.
Maximum capping on earning reward points.
The HPCL BoB ENERGIE Credit Card is a great option for HPCL pump regulars who drive frequently and want to maximize their fuel savings. The high cashback rate on HPCL fuel, welcome bonus, potential fee waiver, and other benefits offer significant value for this specific spending pattern. However, the limited scope, lower cashback on other categories, network limitation, limited redemption options, and lower point value might discourage those with diverse spending habits, seeking higher cashback on other categories, wider network coverage, or unique redemption options.
The HPCL BoB ENERGIE Credit Card is a great option for HPCL pump regulars who drive frequently and want to maximize their fuel savings. The high cashback rate on HPCL fuel, welcome bonus, potential fee waiver, and other benefits offer significant value for this specific spending pattern. However, the limited scope, lower cashback on other categories, network limitation, limited redemption options, and lower point value might discourage those with diverse spending habits, seeking higher cashback on other categories, wider network coverage, or unique redemption options.

Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
First Year Fee: INR 499
Annual Fe: INR 499* *The annual fee will be waived if you spend Rs.50,000 in the preceding year.
Interest Rate- 3.49% p.m. (41.88% p.a.)
Cash Advance Charges: 2.5% of the amount or Rs. 500, which ever is higher.
Foreign Currency Markup: 3.5% on all foreign transactions.
Rewards Redemption Fee: Nil
Fuel Surcharge
1% on all HPCL fuel transactions including fuel purchases made on HP Pay App (capped at ₹100 per statement per credit card account)
Billing Cycle
30 Days