HDFC Bank
Platinum · Pixel Play
HDFC Bank Pixel Play Credit Card
HDFC Bank
Lifetime free card with 5% cashback on your chosen categories
Annual Fee
Free
Joining Fee
Free
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹8,000
Total Annual Benefits
₹8,000
Total Annual Charges
₹0
ROI
Infinity%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Benefit breakdown data not available
Transaction Limits
Card Scorecard
Charges Breakdown
No charges applicable
Benefits & Perks
Cashback Benefits (3)
Chosen Category Cashback
5% cashback on 2 user-selected spending categories (e.g., dining, groceries, travel, shopping)
- • Choose 2 categories from available options
- • Categories can be changed quarterly
5% on 2 categories
SmartBuy Cashback
5% cashback on purchases made via HDFC SmartBuy portal
- • Valid on HDFC SmartBuy portal only
5% cashback
All Other Spends
1% cashback on all other retail purchases
1% cashback
Shopping Benefits (1)
E-commerce & PayZapp Cashback
3% cashback on Amazon, Flipkart, and PayZapp transactions
- • Valid on Amazon, Flipkart, and PayZapp
3% cashback
Reward Program
Program
HDFC Pixel Play Cashback
5% chosen categories, 5% SmartBuy, 3% Amazon/Flipkart/PayZapp, 1% other
Effective cashback: 1.00%
Points expire: Cashback credited as statement credit
Redemption Options
- → Statement credit (automatic)
Bonus Categories
Chosen Categories
5x multiplier
5% on 2 user-selected categories
SmartBuy
5x multiplier
5% via SmartBuy portal
Amazon/Flipkart/PayZapp
3x multiplier
3% on Amazon, Flipkart, PayZapp
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | Free Lifetime Free |
| Annual Fee | Free Lifetime Free |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹25,000
- Min. Annual Income
- ₹3,00,000
- Min. Credit Score
- 650
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹25,000
- • Self-Employed: ITR > ₹3 Lakh p.a.
- • Available via HDFC PayZapp / Pixel app
Transaction Limits
ATM Withdrawal / Day
₹30,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Lifetime free — zero annual fee Contactless payments EMV chip security Add-on cards available EMI conversion facility Customisable cashback categories HDFC Pixel app integration SmartBuy portal access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The HDFC Pixel Play Credit Card is a lifetime free (LTF) credit card offering 5% cashback on two user-chosen spending categories, 5% via SmartBuy, 3% ...
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