Does HDFC Pixel Play Card Allows You To Choose Cashback Type?
- Pratibha Sharma
- Jul 1
- 5 min read
Updated: Aug 11
The HDFC Pixel Play card is a fully digital, app-managed credit card designed for flexible use and high rewards. Users can issue card instantly via the PayZapp, It offers 5% cashback on user-selected brand categories like Dining (Zomato, Swiggy), Travel (Uber, IRCTC), Shopping (Amazon, Flipkart), Grocery (BigBasket, Blinkit), and Entertainment (Netflix, BookMyShow). , 3% cashback on top e-commerce sites like Amazon or Flipkart, and 1% cashback on all other spends, including UPI transactions for RuPay users.
It has the ability to customize rewards, card design, and billing date according to which card you have chosen for yourself, and a joining/annual fee of INR 500 (waived on meeting spend criteria), it stands out as a personalized and flexible cashback card for a digital-savvy individual. User can also change their 5% brand category and 3% e-commerce platform once every calendar month. Users will experience seamless digital onboarding transactions and receive an instant digital card.
What Are The Reward Benefits Of HDFC Pixel Play Credit Card?
Cardholders can earn 5% cashback on any two categories of his choice out of the following four categories: (a) dining, (b) travel, (c) grocery, and (d) entertainment.
In case of dining, the user will get a discount only on the following 2 brands:
(a)Zomato
(b) Swiggy
In case of travel, the user will get a discount only on the following 2 brands:
(a)Uber
(b) IRCTC
In case of Shopping, the user will get a discount only on the following 2 brands:
(a) Amazon
(b) Flipkart
In case of Grocery, the user will get a discount only on the following 2 brands:
(a) Big Basket
(b) Blinkit
In case of Entertainment, the user will get a discount only on the following 2 brands:
(a) Netflix
(b) BookMyShow
This cashback is capped at INR 500 per pack per billing cycle, totaling INR 1,000 per month. In addition, users can select one e-commerce platform—Amazon, Flipkart, or PayZapp—to earn 3% cashback, capped at INR 500 monthly. Beyond these, the card offers 1% unlimited cashback on all other purchases, including UPI transactions (only on the RuPay variant). Moreover, shopping via HDFC SmartBuy yields an extra 5% cashback on flights, hotels, and partner offers. All rewards are credited as Pixel CashPoints, with 1 point equal to INR 1, redeemable through the PayZapp app for vouchers, bill payments, or recharges. These points are valid for 2 years, and cashback does not apply to rent payments, fuel, wallet loads, or EMIs.
What Is The Cashback Rate Of HDFC Pixel Play Credit Card?
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.
What Are The Pros Of Having An HDFC Pixel Play Credit Card?
High cashback on personalised spending: You can earn up to 5% cashback on your top spending categories like dining, travel, groceries, electronics, and entertainment, based on your selection.
1% unlimited cashback on all spends: Even outside the chosen brand packs, you get 1% cashback on all purchases, including UPI spends (for RuPay variant), making it rewarding for everyday usage.
3% cashback on Amazon, Flipkart, or PayZapp: You can choose one popular e-commerce platform and earn 3% cashback, great for regular online shoppers.
Get up to 25% off on dining through Swiggy Dineout.
Instant digital credit card. Annual fee reversal on spend of INR 50,000 in any year.
Fully digital & Instant issuance
Customization options
What Are The Cons Of Having An HDFC Pixel Play Credit Card?
Cashback redemption only via PayZapp: All rewards are credited as Pixel CashPoints, which can only be redeemed within the PayZapp app for vouchers, bill payments, or recharges.
Cashback is capped: INR 500 per brand pack (max 2) = INR 1,000/month
INR 500 cap on the 3% e-commerce brand
Network Type- Visa Classic and Rupay Classic
The HDFC Pixel Play Credit Card is a flexible and budget-friendly option designed for individuals who want more control over their spending benefits without paying a premium annual fee. It comes in two network variants, Visa Classic and RuPay Classic, both positioned in the basic tier of their respective networks, ensuring affordability while still maintaining reliable acceptance.
The Visa Classic variant gives you the advantage of global usage, making it suitable for both domestic and international transactions with the security and support Visa is known for. Meanwhile, the RuPay Classic variant focuses on strong domestic acceptance, seamless UPI integration, and lower transaction costs, making it a great choice for those who primarily shop, dine, and pay bills within India.
Fees And Charges
Fees and charges for HDFC Pixel Play Card
Joining Fees: INR 500 /- + Applicable Charges
Annual fees: INR 500 /- + Applicable Charges
Cash advance fees: 2.5% or 500, whichever is higher
Late payment charge: Late Payment Charges: Ranges from INR 100 to INR 1300.
Interest rate: Interest Rate: 3.6% per month (i.e., 43.2% per annum)
Eligibility:
There are 2 different criteria based on salaried and self-employed.
For salaried: Age: 21 to 60 years.
Income: Gross monthly salary above INR 25,000
For self-employed: Age: 21 to 60 years.
Income: Annual ITR showing income > INR 6 lakh
Conclusion:
The HDFC Pixel Play Credit Card is an excellent choice for digital users who want a fully customizable and app-driven credit card. With up to 5% cashback on selected categories, 3% on a preferred e-commerce platform, and 1% cashback on all other spends, including UPI (for RuPay), it delivers strong value for everyday spending. Features like zero paperwork, instant issuance, EMI flexibility, and lifetime free offers make it highly appealing.
However, it has some limitations; cashback is capped, and redemption is restricted to the PayZapp app. The INR 500 fee is waived only if you meet the spending criteria. Additionally, existing HDFC cardholders must permanently transfer part of their credit limit, which cannot be reversed, a decision that needs to be made carefully.
However, the cashback caps and lack of premium perks like lounge access may not suit heavy or premium lifestyle users. Also, rewards are in Pixel CashPoints, which can only be redeemed inside PayZapp, not as direct cashback.
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