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Last updated: 01-06-2026
HDFC Bank Pixel Play Credit Card
HDFC Bank

HDFC Bank Pixel Play Credit Card

"India's first fully customisable virtual credit card โ€” choose your own cashback merchants, card design and billing cycle date; managed entirely via PayZapp app"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น500 + GST
๐Ÿ”„ Renewal Fee
โ‚น500 + GST
Waived: Annual fee waived on meeting spend condition โ€” check current threshold on HDFC Bank website
๐ŸŽฏ Best Suited For
Digital-first users who want full control over their credit card; those who want to choose their own cashback merchant categories and want a virtual-only card managed via PayZapp app
๐ŸŽ Reward Type
Customisable Cashback โ€” choose your preferred cashback merchants from a list; auto-credited as statement credit
๐ŸŽ‰ Welcome Benefit
Check current welcome offer on HDFC Bank PayZapp app โ€” typically includes bonus cashback on first spends
๐Ÿ’ฐ Reward Rate
Up to 5% cashback on merchant categories you choose (customisable monthly); up to 2% on other online spends; 1% on all other eligible spends; cashback caps apply per category; excludes fuel, EMI, wallet, rent, government
โœˆ๏ธ Lounge Access
No complimentary airport lounge access โ€” virtual card focused on digital use
๐Ÿ’ต Cashback Rate
Up to 5% on chosen merchants; 2% on other online; 1% on offline
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โœ… Pros
  • Choose your own cashback merchants โ€” fully customisable
  • Choose card design and billing cycle date
  • Up to 5% cashback on chosen merchants
  • Digital-first onboarding via PayZapp โ€” instant issuance
  • Cashback auto-credited
  • Low โ‚น500 annual fee
โŒ Cons
  • Requires active monthly customisation via PayZapp app
  • Cashback caps apply per category
  • No airport lounge access
  • High forex markup 3.5%
  • Virtual-first โ€” may not suit those who prefer physical cards
  • Managed only via PayZapp โ€” not via HDFC MyCards or iMobile

๐ŸŽ Rewards & Benefits

Reward Type
Customisable Cashback โ€” choose your preferred cashback merchants from a list; auto-credited as statement credit
Welcome Benefits
Check current welcome offer on HDFC Bank PayZapp app โ€” typically includes bonus cashback on first spends
Reward Rate
Up to 5% cashback on merchant categories you choose (customisable monthly); up to 2% on other online spends; 1% on all other eligible spends; cashback caps apply per category; excludes fuel, EMI, wallet, rent, government
Reward Redemption
Cashback auto-credited as statement credit โ€” no redemption needed
Fuel Surcharge Waiver
1% fuel surcharge waiver
Lounge Access
No complimentary airport lounge access โ€” virtual card focused on digital use
Spend Based Fee Waiver
Annual fee waived on meeting spend threshold
Milestone Benefits
Fee waiver on spend condition; customisable benefits
Other Benefits
Choose your own cashback merchants each month; choose card design; choose billing cycle date; entirely digital onboarding and management via PayZapp app; in-app EMI conversion; exclusive dining discounts via HDFC Dineout; contactless payments; virtual card with option for physical card

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on unauthorized transactions
Add-on Cards
Not applicable โ€” virtual-first card
Concierge Services
Details coming soon
Special Offers
Customisable cashback merchants; choose card design and billing date; managed entirely via PayZapp

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น500 + GST
Annual Fee / Renewal Fee
โ‚น500 + GST
โœ“ Waived on: Annual fee waived on meeting spend condition โ€” check current threshold on HDFC Bank website
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
Not applicable for virtual card
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น550
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Customisable benefits may change monthly โ€” requires active management; cashback caps apply; virtual card โ€” physical card optional; managed only via PayZapp app; verify current customisation options on PayZapp

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; Indian resident; minimum monthly income โ‚น25,000; HDFC Bank customer preferred; apply via PayZapp app
Credit Score Requirement
700+ CIBIL recommended
Credit Limit
Based on income and HDFC Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
In-app EMI conversion via PayZapp
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per HDFC Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via PayZapp app
Instant Fraud Alerts
Real-time alerts via PayZapp
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Virtual-first card โ€” this IS the virtual card; physical card available on request
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 267 6161 (24x7)
Chat / Email Support
Chat via PayZapp app and HDFC website
Mobile App
HDFC Bank PayZapp app: manage card, customise benefits, track cashback, pay bills, EMI
Online Banking
HDFC NetBanking

Last updated: 01-06-2026

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Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:32 PM
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