HDFC Pixel Play Credit Card Review
The HDFC Pixel Play Credit card offers 5% cashback on 2 selected categories by users as per their need, 3% cashback on 1 among Flipkart, Amazon and PayZapp, 5% on SmartBuy, 1% on UPI spend, 1% on other spends make this card one of the best among cashback cards on which platforms you want.
But the maximum limit of cashback is very low, which is the biggest drawback of this card, apart from the fact that it has no airport lounge access, cashback only on selected platforms and many other things that you must know before applying for this caredit card.
So, in this review, we discuss everything from its eligibility, rewards and benefits, pros and cons, to my verdict, so read this review completely.
HDFC Pixel Play Credit Card Features
| Feature | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Lifetime Free) |
| Base Reward Rate | 5% |
| Best Reward Categories | online_shopping, general_spending |
| Forex Markup | 3.5% |
HDFC Pixel Play Credit Card Eligibility Criteria
| Criteria | Details |
|---|---|
| Minimum Income | ₹25,000 / month |
| Employment Type | Salaried & Self Employed |
| Age Requirement | 21-65 Years |
This card is available for both salaried and self-employed. if yo’re a salaried person, then your salary should be more than ₹25,000/ Month and self-employed persons need a ₹6 Lakh income in a year.
This card is also available against FD without income proof. In that case, you’ll get a limit of 90% of your FD amount, so if your salary or Credit score is low, then you can also get this card against your FD while applying.
HDFC Pixel Play Credit Card Rewards & Benefits
| Reward Type | Details |
|---|---|
| Welcome Bonus | Welcome Bonus on 1st Transaction. |
| Bonus Categories | Cashback, HDFC Card |
| Reward Structure |
|
| Reward Exclusions | No cashback on Wallet loads, EMI, rent, govt. services, etc. |
| Reward Expiry | 2 Years |
Now, understand exactly the reward structure of this card to use it for maximum benefits. This card has a different percentage of cashback, so let me explain –
5% Cashback Category (You can choose any 2 categories for 5% category, which you will spend mostly)
- Dining & Entertainment (BookMyShow and Zomato)
- Travel (MakeMyTrip and Uber)
- Electronics (Croma and Reliance Digital)
- Fashion (Myntra and Nykaa)
- Grocery (Blinkit and Reliance Smart Bazar)
After choosing the above 2 categories (can be changed after 3 months) for 5% cashback now, there are other categories to give you more benefits-
- 5% Cashback on Smartbuy (HDFC’s shopping portal, which lists almost all major platforms) when spending.
- 3% Cashback on any 1 among (Amazon/Flipkart/ PayZapp), you can choose any one.
- 1% Cashback on UPI Spend on the Rupay card variant.
- 1% Unlimited Cashback on other spending.
- 10% discount on Swiggy Dineout (Maximum ₹200 / Month)
Now, there is a limit of a maximum of ₹500 (500 Cashpoints) on each category, for example, 500 on travel, 500 on Grocery and likewise. The same 500 limit on 3% category also.
This card gives cash rewards, which are equal in value to rupees, and once the total exceeds ₹1,000, you can easily redeem them through the PayZapp wallet.
How to Apply for HDFC Pixel Play Credit Card
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Check Eligibility
If your monthly income is ₹25,000 or more , your age falls within 21-65 Years , and you are a Salaried or Self-Employed applicant , and you meet other basic requirements, you can apply for the HDFC Pixel Play Credit Card by following the steps below.
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Click Apply Now
Click the apply button below to visit the official application page. The process is secure, fully online, and can be completed in just a few minutes.
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Fill Application Form
Enter your personal, employment, and income details accurately as per your official documents.
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Submit Documents
Upload PAN, Aadhaar, address proof, and income proof if requested during the application.
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Approval & Delivery
Once approved, your credit card will be dispatched and delivered to your registered address.
Pros & Cons
Pros
- 5% Cashback on platforms which you select.
- Currently this card is available Lifetime free.
- Available against FD also for easy approval.
- Fuel surcharge waive & UPI cashback.
Cons
- Maximum limit is too low.
- To Redeem minimum required ₹1,000
- No Lounge access.
Our Verdict
The HDFC Pixel Play card is good for low spending users in particular categories, for which they choose to get cashback. Any 2 categories in 5% category, 1 platform for 3% category, along with 1% UPI cashback on the Rupee variant and 1% Cashback on other spending and also 5% cashback on the SmartBuy portal, make this card perfectly suitable for beginners or low spending users.
This card also comes against FD, so if your salary is not fixed or your credit score is not good, then you can also get approval for this card against your FD while applying.
So, decide for yourself if it suits your spending pattern and you’ll get maximum benefit out of it, then you can apply; otherwise, if you want a higher cashback limit or higher spending limit, then you can go for other Cashback Credit cards.
