HDFC Bank PIXEL Play Credit Card

Charge

• Cash advance fee: 2.5% or ₹500 whichever is higher.
• Finance charge (revolving credit & cash advances): 3.75% per month (45% p.a.), w.e.f 1st Oct'25.
• Railway ticket purchase fee: 1% of transaction amount + GST.
• Payment return charges: 2% of payment amount, minimum ₹450.
• SmartEMI processing fee: ₹199 + GST.
• SmartEMI pre-closure charges: 3% of balance principal outstanding.
• EasyEMI processing fee: up to ₹299.
• Rent Pay transactions (w.e.f 1st Oct 2025): 1% fee, capped at ₹4999 per transaction.
• Reissue of lost/stolen/damaged card: ₹199 + GST.
• Fuel charges (w.e.f 1st Oct 2025): 1% on fuel transactions exceeding ₹15,000, capped at ₹4999 per transaction.
• Utility charges (w.e.f 1st Oct 2025): 1% on utility spends exceeding ₹50,000 per calendar month, capped at ₹4999 per month.
• Education charges (w.e.f 1st Oct 2025): 1% on education via third party apps (CRED, Nobroker, Cheq etc.), capped at ₹4999 per transaction.
• Wallet loading excl PayZapp (w.e.f 1st Oct 2025): 1% on wallet loading exceeding ₹10,000 per calendar month, capped at ₹4999 per month.
• Online skill based gaming (w.e.f 1st Oct 2025): 1% on spends exceeding ₹10,000 per calendar month, capped at ₹4999 per month.
• Dynamic currency conversion markup fee (w.e.f 20th May 2026): 1.75% on transactions in Indian currency at international location or at India-located merchants registered overseas.
• Late payment charges (w.e.f 1st Oct 2025): Nil up to ₹100.
• ₹100 for ₹101-500.
• ₹500 for ₹501-1000.
• ₹600 for ₹1001-5000.
• ₹750 for ₹5001-10000.
• ₹900 for ₹10001-25000.
• ₹1100 for ₹25001-50000.
• ₹1300 for more than ₹50,000.
• Cash withdrawal limit: 40% of credit limit.

Verified · Key Fact Statement cum MITC (English) - PIXEL Play · 2026-07-28 · source

Interest-free period

• Interest free (grace) period ranges from 20 to 50 days.
• For HDFC Bank Pixel Card up to 50 days.
• Not applicable if previous month's balance is not cleared in full or if cash has been availed from ATM.

Verified · Key Fact Statement cum MITC (English) - PIXEL Play · 2026-07-28 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver, capped at ₹250 per billing cycle.
• Waiver capped at 1% of eligible fuel transaction amount, applicable for transactions between ₹400 and ₹5,000 (GST on fuel surcharge not reversed).

Verified · Key Fact Statement cum MITC (English) - PIXEL Play · 2026-07-28 · source

Redemption value

• CashPoints redeemed via PayZapp Mobile App, transferred to PayZapp CashPoints balance.
• Negative CashPoints balance carried >60 days debited at 1 CashPoint = ₹1.
• Reward Points valid for 2 years from date of accumulation.
• CashPoints nullified if card not used for more than 365 days.

Verified · Key Fact Statement cum MITC (English) - PIXEL Play · 2026-07-28 · source

Reward cap

• Maximum cashback under '1% unlimited Cashback across all other spends' is ₹15000 per calendar month.
• W.e.f 1st Oct 2025 CashPoints for insurance transactions capped at 2000 per month.
• RuPay UPI-mode purchases earn max 500 points per calendar month.

Verified · Key Fact Statement cum MITC (English) - PIXEL Play · 2026-07-28 · source

Reward exclusion

Verified · Key Fact Statement cum MITC (English) - PIXEL Play · 2026-07-28 · source

Eligibility

• FD Backed Cards: Customers cannot close the Fixed Deposit while the card is Live.
• Lien on the FD removed only after card closure subject to outstanding in the Pixel Credit Card being cleared.
• Bank carries out KYC due diligence before opening any Pixel Credit Card account.

Verified · Key Fact Statement cum MITC (English) - PIXEL Play · 2026-07-28 · source

Official terms

https://www.hdfc.bank.in/credit-cards/pixel-play-credit-card.

Verified · PIXEL Play Credit Card product page · 2026-07-28 · source