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HDFC Bank
HDFC PIXEL Play FD Credit Card
Fd-backed
Rewards
1st Year Fee: ₹ 0
Cashback
Up to 5% back on all spends
Travel
5% cashback on travel spends
Dining
5% cashback on dining spends
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About HDFC Pixel Play FD Credit Card
HDFC Pixel Play Against FD Credit Card is the secured version of the HDFC Pixel Credit Card and is issued against a fixed deposit of Rs. 56,000. The card offers up to 90% of the FD amount as the credit limit, making it suitable for consumers who want to build or improve their credit profile. It comes with customizable cashback benefits, including 5% cashback on selected spend packs such as dining, travel, grocery, electronics, and fashion, along with 3% cashback on a chosen e-commerce platform like Amazon or Flipkart. Cardholders can also get 1% cashback on eligible UPI spends through the RuPay variant and unlimited 1% cashback on other spends. Additional features include a fuel surcharge waiver, flexible billing date selection, and custom card color options.
HDFC Bank has launched a FIFA-themed design for the HDFC PIXEL Play Visa Credit Card. Existing users can switch to it via the Pixel app for Rs. 100, while new users can select it during card setup.
Cashback Structure
Cashback Benefits1
- 5% cashback on your choice of two packs including, Dining & Entertainment – BookMyShow & Zomato, Travel – MakeMyTrip & Uber, Grocery – Blinkit & Reliance Smart Bazaar, Electronics – Croma & Reliance Digital, Fashion – Nykaa & Myntra, capped at 500 points monthly
- 5% cashback on spends at Smartbuy, capped at 500 points monthly
- 3% cashback on the choice of any one E-commerce merchant- Amazon/Flipkart/PayZapp, capped at 500 points monthly
- 1% cashback on UPI Spends on RuPay variants, capped at 500 points every month
- 1% unlimited cashback across all other categories
Other Features & Benefits
Joining Benefit
- Joining fee will be waived off on spending Rs. 20,000 within 90 days of card activation
Fuel Surcharge Waiver
- 1% fuel surcharge waiver on fuel stations in India on transactions between Rs. 400 and Rs. 5,000
Other Benefits
- Choose your billing date and card color as per your preferences
- Up to 90% credit limit of the FD amount
HDFC Pixel Play FD Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||||||||
| Annual Fee | Nil | ||||||||||||||||||
| Forex Markup Fee | 3.5% | ||||||||||||||||||
| Finance Charges | 3.60% per month | 43.2% per annum | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You are looking for a card that is backed by an FD amount to start your credit journey
You want to avail a credit card that comes with zero joining and annual fee
You frequently spend on any of dining, entertainment, travel, grocery and fashion and want to avail a cashback on any two categories
You want earn cashback on every other categories
Paisabazaar Review
What do we like about this card?
HDFC PIXEL Play Credit Card Against FD is a good option for consumers who want to start building their credit score. It is offered against a fixed deposit of Rs. 56,000 and offers up to 90% of the FD amount as the credit limit. The card offers flexible cashback benefits, including up to 5% cashback on selected categories and 3% cashback on platforms like Amazon or Flipkart. Cardholders can also earn cashback on UPI and regular spends. Features like fuel surcharge waiver and flexible billing dates make the card useful for everyday spending and first-time credit card consumers.
Pros
- 5% cashback on your choice of any two select packs
- 5% cashback on spends at Smartbuy
- 3% cashback on choice of any one E-commerce merchant including Amazon, Flipkart or PayZapp app
Cons
- Do not offer any airport lounge visits
- Rewards can be only redeemed via PayZapp app
- Cashback is capped at 500 points every month
Frequently Asked Questions
Everything you need to know about this credit card
It is a secured credit card issued against a fixed deposit of Rs. 56,000. The card helps consumers to build or improve their credit score while availing cashback benefits on shopping, travel, dining, grocery, and UPI transactions.
The card offers up to 90% of the fixed deposit amount as the credit limit. The exact limit depends on HDFC Bank’s internal policies and the FD value linked to the card application.
Yes, cardholders earn 1% unlimited cashback on eligible spends across categories. Additional cashback of up to 5% is available on selected spending packs and partner merchants chosen through the PIXEL platform.
Consumers can select two preferred packs from categories like dining, travel, grocery, electronics, and fashion. Cashback is applicable on partner brands such as Zomato, Myntra, Uber, Blinkit, and Croma, subject to monthly caps.
Yes, cardholders can choose one preferred e-commerce platform like Amazon, Flipkart, or PayZapp and earn 3% cashback on eligible spends, capped at 500 reward points per month.
RuPay variant of the card offers 1% cashback on eligible UPI transactions. This makes the card useful for everyday QR-code payments while still earning rewards on routine spending.
Footnotes
- Exclusions: Fuel spends, wallet spends, rent payments, government related transactions, EMI transactions, purchases converted to EMI post facto, cash advances, payment of outstanding balances, payment of card fees and other charges.
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Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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