Terms read from published copy
The rates below were read from HDFC Bank’s published wording rather than a confirmed rate table, so treat them as indicative.
See where each figure came from →HDFC Bank
Applying takes you to HDFC Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Dining
Shares the card's ₹125 a month ceiling
Groceries
Shares the card's ₹125 a month ceiling
Travel
Shares the card's ₹125 a month ceiling
Entertainment
Shares the card's ₹125 a month ceiling
Online shopping
Shares the card's ₹125 a month ceiling
These rates share one ceiling: ₹125 a month across the card, not per category.
No CashPoints on fuel, wallet loads/reloads, rent payments, insurance premiums, government-related transactions, EMI transactions, cash advances, or card fees & charges All exclusions →
Everything stops at ₹125 a monthThat ceiling covers the card, not each category — the rates do not each get their own. You reach it at about ₹2,500 of spend at the top rate.
₹250 a year unless you spend ₹1,00,000That is about ₹8,333 a month, every month. Miss it and the renewal fee is charged in full.
Some spends never earnNo CashPoints on fuel, wallet loads/reloads, rent payments, insurance premiums, government-related transactions, EMI transactions, cash advances, or card fees & charges EMI-converted purchases don't earn CashPoints; if a purchase is later converted to EMI, any CashPoints already credited for it are reversed; rent transactions attract a 1% fee from the second transaction of the month See the exclusions section for the full list.
One strength and one catch, both taken from the card's own structured terms rather than written as marketing copy.
Key strength
5% on Dining — 5% cashback (as cashpoints) on a choice of any 2 of 5 category packs - dining & entertainment, with no stated cap.
Biggest limitation
EMI-converted purchases don't earn CashPoints; if a purchase is later converted to EMI, any CashPoints already credited for it are reversed; rent transactions attract a 1% fee from the second transaction of the month No CashPoints on fuel…
We do not have a suitability profile recorded for this card. Check the issuer's page before relying on it.
Each benefit with what it is worth, what unlocks it and where it stops — the three things a brochure leaves out.
3% on online shopping
No stated ceiling
All eligible transactions in this category
No cap published — confirm in the issuer’s terms
5% on dining
No stated ceiling
All eligible transactions in this category
No cap published — confirm in the issuer’s terms
5% on groceries
No stated ceiling
All eligible transactions in this category
No cap published — confirm in the issuer’s terms
5% on travel
No stated ceiling
All eligible transactions in this category
No cap published — confirm in the issuer’s terms
5% on entertainment
No stated ceiling
All eligible transactions in this category
No cap published — confirm in the issuer’s terms
Each tier as the issuer publishes it — the rate, the ceiling it stops at, and the minimum transaction it needs.
5%
uncappedDining
5% cashback (as cashpoints) on a choice of any 2 of 5 category packs - dining & entertainment
5%
uncappedGroceries
customisable 5% cashback on your choice of categories cardholders choose any 2 of 5 category packs - dining & entertainment, travel, grocery
5%
uncappedTravel
customisable 5% cashback on your choice of categories cardholders choose any 2 of 5 category packs - dining & entertainment, travel, grocery
5%
uncappedEntertainment
5% cashback (as cashpoints) on a choice of any 2 of 5 category packs - dining & entertainment
3%
uncappedOnline shopping
3% cashback on one chosen e-commerce merchant - amazon
These rates were read from the card's published wording rather than a confirmed rate table, so treat them as indicative.
Priced by the same engine the card finder uses, with caps, minimum transactions and excluded categories all applied.
Your monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
These are different numbers, and CredSpy never mixes them. A welcome benefit lands once; a fee waiver has to be earned again.
Year one
Rewards only
no welcome value is recorded
Every year after
₹1,00,000 a year
is what it takes to keep the ₹250 fee off — about ₹8,333 a month
The conditions that decide what this card is actually worth. None of this is buried in small print here.
Everything we hold from the issuer's schedule. A charge with no row is one we have not recorded, not one that does not exist.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹90 | — |
| Annual / renewal fee | ₹250 | Waived on annual spends of Rs. 1,00,000 or more in the 12 months preceding renewal |
| Add-on card | Not applicable - Pixel Play/Go do not support add-on/supplementary cards; issued only as a primary digital card | — |
| Cash withdrawal | 2.5% | 2.5% of the amount withdrawn or Rs. 500, whichever is higher, billed in the next statement |
| Late payment | Rs. 100 to Rs. 1,300 depending on total amount due (Rs. 100 for dues up to Rs. 100; up to Rs. 1,300 for dues above Rs. 50,000) | — |
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Each block says yes, no, or that we do not know — the three are different answers.
Not available
1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 250 per statement cycle
Linkable to UPI.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
We do not have redemption details recorded for this card. Check the issuer's page before relying on it.
The criteria the issuer publishes. Meeting them is not approval — that decision is the bank's.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
Every catch on this card in one list, ordered by how much it matters.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Compare any of these against this card on your own spending.
The same facts side by side. Which one wins depends on where your money actually goes.
| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| HDFC Pixel Credit Card BK · this card | ₹250 | 5% dining | No |
| Swiggy BLCK HDFC Bank Credit Card | ₹1,000 | Up to 10% cashback | No |
| HDFC Bank Shoppers Stop Black Credit Card | ₹4,500 | See card | Included |
| HDFC Biz First Credit Card | See card | See card | No |
| IRCTC HDFC Bank Credit Card | ₹500 | Up to 5% cashback | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹250 plus GST, waived on ₹1,00,000 of annual spend.
The strongest published rate is 5% on dining, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes.
No CashPoints on fuel, wallet loads/reloads, rent payments, insurance premiums, government-related transactions, EMI transactions, cash advances, or card fees & charges EMI-converted purchases don't earn CashPoints; if a purchase is later converted to EMI, any CashPoints already credited for it are reversed; rent transactions attract a 1% fee from the second transaction of the month
HDFC Bank publishes about ₹25,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.
We do not have redemption details recorded.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
HDFC Pixel Credit Card BK — 5% on dining. ₹250 a year.
