HDFC Bank • Build your own cashback card inside PayZapp
By Deepak • Co-founder, Credwiser
Figures checked against the issuer's official MITC • Last verified 21 October 2026 • How we score
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Pixel Play is HDFC Bank's digital first card, issued instantly and managed fully inside the PayZapp app. Instead of fixed reward categories, you choose any 2 brand packs (for example Zomato and BookMyShow for dining and entertainment, MakeMyTrip and Uber for travel, or Blinkit and Reliance Smart for groceries) for 5% cashback, and 1 e-commerce merchant from PayZapp, Amazon or Flipkart for 3% cashback. Everything else earns 1% unlimited cashback, and you can also choose your card design and billing date. The fee is Rs 500, with the joining fee waived on Rs 20,000 of spends in the first 90 days and the renewal fee waived on Rs 1 lakh of annual spends. The monthly caps of Rs 500 on each accelerated bucket keep this a card for moderate spenders, and there is no lounge access. A RuPay variant is available and earns 1% cashback on UPI spends.
Cashback is paid as PIXEL CashPoints (1 CashPoint = Rs 1) and you need at least 1,000 CashPoints to redeem in PayZapp. The 5% pack cashback is capped at Rs 500 per month and the 3% merchant cashback at Rs 500 per month. No CashPoints are earned on fuel spends, wallet loads, gift or prepaid card loads, rent payments, government transactions, EMI transactions and cash advances. The card is applied for and managed only through the PayZapp app.
Last verified against MITC: 21 October 2026 • View official MITC →
Joining and renewal fees are Rs 500 plus GST each. The joining fee is waived on Rs 20,000 of spends in the first 90 days and the renewal fee on Rs 1,00,000 of annual spends.
Up to Rs 500 a month from your 2 chosen brand packs at 5% and up to Rs 500 a month from your chosen e-commerce merchant at 3%. All other eligible spends earn 1% without a cap.
Yes, the RuPay variant can be linked to UPI apps and earns 1% cashback on UPI spends.
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