HDFC Bank PIXEL Play credit card
HDFC BankVisaCashback

PIXEL Play credit card

Digital-first card: pick two 5% packs and one 3% e-commerce merchant.

39
Personal score39/100● Weak fit
Recurring net savings₹6,732/yrafter fee, GST and caps · bills paid in full
First-year value₹6,142no welcome offer, ₹590 joining fee
Effective savings rate2.1%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Waived ₹590waiver at ₹1,00,000 spend
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: HDFC Bank – PIXEL Play · last reviewed 2026-09-12

Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail
₹4,752/yr5% on chosen packs (we assume Dining &…
Waived₹590 fee
0/2lounge visits covered
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹6,732/yr · 2.1%
5% on chosen packs (we assume Dining &…on ₹95,040₹4,752
Base rate 1% on other spendson ₹1,22,400₹1,224
3% on chosen e-commerce merchant (we assume…on ₹25,200₹756
Excluded categories (no rewards)on ₹84,000₹0

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹6,732/yr is calculated
PIXEL Play
+ Reward value on your spendat ₹1/CashPoints realistic value
₹6,732
+ Annual fee incl. 18% GSTwaived – ₹590 at ₹1,00,000 spend
₹0
= Recurring net savings
₹6,732/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards
₹3,26,640
= Effective savings rate
2.1%

How the score of 39 is built

weights total 100% · methodology
Net savings rate42/100 × 55%23.0
Usable lounge access0/100 × 15%0.0
Redemption flexibility80/100 × 10%8.0
Lifestyle fit0/100 × 10%0.0
Simplicity60/100 × 5%3.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

What changed on this card

  1. New feeHDFC Bank

    HDFC Bank: 1% fee on rent, high utility and gaming spends; insurance reward caps

    From 1 July 2025 HDFC cards charge 1% (capped at ₹4,999 a month) on rent payments, on all utility transactions once monthly utility spend crosses ₹50,000 on personal cards, and on online skill-based gaming above ₹10,000 a month (gaming also earns no points). Insurance reward points are capped at 10,000 a month on Infinia, 5,000 on Diners Black and 2,000 on other cards.

    Cards: Infinia Metal, Diners Club Black Metal, Regalia Gold, Regalia, Millennia, Swiggy HDFC Bank, Tata Neu Infinity HDFC Bank, Tata Neu Plus HDFC Bank +10 more · Source: Business Standard – HDFC credit card users alert: new fees, reward caps from July 1 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn1%value on eligible spend
⚡ Accelerated5% 5% on chosen packs 3% 3% on chosen e-commerce…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹590/yr incl. GSTwaived on ₹1,00,000 spend · joining ₹500
🎁 Welcome (year 1)none
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/CashPoints ★★★★☆1 CP = ₹1 against statement via the PayZapp app.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylenone
🪪 EligibilityIncome ₹3L+/yr or ₹25k+/month salary

At a glance

  • Customisable 5% categories
  • Fully app-managed (PayZapp)
  • Cheap fee, easy waiver
  • 5% packs capped at ₹500 combined
  • No lounge or travel perks
  • No rewards on bills or fuel

Compare PIXEL Play with

Community Q&A on the PIXEL Play

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the HDFC Bank PIXEL Play?

Joining fee ₹500 and renewal fee ₹500, plus 18% GST (₹590 a year). The renewal fee is waived if you spend ₹1,00,000 in the card year.

Does the PIXEL Play give airport lounge access?

No lounge access. None.

How much can I save with the PIXEL Play?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹6,732 a year, an effective savings rate of 2.1% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the PIXEL Play's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 5% on chosen packs (we assume Dining & Entertainment + Grocery): capped at ₹500 a month; 3% on chosen e-commerce merchant (we assume Amazon): capped at ₹500 a month

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: PIXEL Play lounge access by airport · all HDFC Bank cards · change log.