PPVISARuPay
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PIXEL PlayHDFC Bank
Fees & charges
| Joining fee | ₹500 + GST |
|---|---|
| Annual / renewal fee | ₹500 + GST |
| Renewal-fee waiver | Renewal fee waived on spending ₹1,00,000/year; joining fee waived on spending ₹20,000 in first 90 days |
| Network | VISARuPay Visa / RuPay (customer's choice; RuPay issued as a digital card, Visa as physical plastic; can hold both) |
Rewards & benefits
| Reward rate | Up to 5% cashback on any 2 chosen merchant packs + 5% on SmartBuy (each capped 500 CashPoints/₹500 per month); 3% on 1 chosen e-commerce (PayZapp/Amazon/Flipkart, 500 pts/mo); 1% on RuPay-UPI spends & 1% on all other spends (unlimited). 1 CashPoint = ₹1 |
|---|---|
| Welcome benefit | Not stated on HDFC's page |
| Lounge access | none stated |
| Key benefits | Customisable digital cashback card — pick 5% cashback merchant packs + a 3% e-commerce platform, 1% on RuPay UPI, DIY billing date & card design, plus 1% fuel surcharge waiver |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | active |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹500 + GSTMITC v4.3, PIXEL Key Fact Statement (Part II, L4072) | The HDFC Bank PIXEL Play Credit Card is lifetime free with no joining or renewal fees | ⚠ |
| Fee waiver (min spend) | See PIXEL Key Fact Statement (MITC Part II)MITC v4.3, PIXEL Key Fact Statement (Part II, L4072) | Get a joining fee waiver by spending ₹20,000 within 90 days of issuance; Renewal Waiver: Spend ₹1 lakh or more in the preceding 12 months and get renewal membership fee waived off for next year. | • |
| Fuel surcharge waiver | See PIXEL Key Fact Statement (MITC Part II)MITC v4.3, PIXEL Key Fact Statement (Part II, L4072) | 1% fuel surcharge waiver at all fuel stations across India (on a minimum transaction of ₹400 and a maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle). | • |
| Forex markup | See PIXEL Key Fact Statement (MITC Part II)MITC v4.3, PIXEL Key Fact Statement (Part II, L4072) | NOT STATED | |
| Reward rate | Not in MITC (product term) | 5% CashBack on choice of any two following packs (Dining & Entertainment, Travel, Grocery, Electronics, Fashion); 3% CashBack on Amazon, Flipkart or PayZapp; 1% CashBack on UPI Spends (Applicable only on PIXEL RuPay Credit Card holders). Also 1% CashBack on all transactions and 5% on SmartBuy purchases. | • |
| Welcome benefit | Not in MITC | unknown (no distinct welcome gift stated; joining fee of ₹500+GST is waived on spending ₹20,000 within 90 days) | • |
| Lounge access | Not in MITC | none stated | • |
| Eligibility | Not in MITC | Salaried: Nationality: Indian; Age: Minimum: 21 years, Maximum: 60 years; Income (Monthly) - ₹25,000. Self-Employed: Nationality: Indian; Age: Minimum: 21 years, Maximum: 65 years; Annual ITR > ₹6,00,000 | • |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Microsite values are captured VERBATIM from each card's live HDFC page (fetched 2026-07-04). Quality of capture: rich 55, partial 15, thin 4. Open the linked page to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- The HDFC Bank PIXEL Play Credit Card is lifetime free with no joining or renewal fees
- 5% CashBack on choice of any two following packs:
- 3% CashBack on Amazon, Flipkart or PayZapp
- 1% fuel surcharge waiver at all fuel stations across India (on a minimum transaction of ₹400 and a maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle).
- Spend ₹1 lakh or more in the preceding 12 months and get renewal membership fee waived off for next year.
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