HDFC
HDFC Bank PIXEL Play Credit Card
Mid-tier card · No lounge access · fee waiver achievable around ₹1L annual spend · 3.5% forex markup.
The HDFC Bank PIXEL Play Credit Card is issued by HDFC. Use this page to compare key benefits, fees & charges, lounge access, rewards, and forex markup — then compare with similar cards.
High forex No lounge access High rewards Low annual fee No UPI support
- High rewards 5% on Selected categories + 3% on General spend
- Low annual fee ₹500 annual fee
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~₹1,500/month (base rewards)
- ~₹18,000/year back · net +₹17,500 after ₹500 fee
- Fee waiver achievable at this spend
- Forex cost ~₹1,750 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Annual fee
₹500
Lounge
No lounge access (domestic)
Reward rate
3 pts/₹100
Above median base earn (3% vs ~1%).
Confidence: High
Verify with issuer (opens in new tab)Card snapshot
| Annual fee | ₹500 |
|---|---|
| Joining fee | ₹500 |
| Forex fee | 3.5% What is this? |
| Lounge access | No lounge access |
| Reward rate | 3% base cashback (on eligible spend) |
Real-world usage examples
- Less suited to international transactions because forex markup is 3.5%.
- Competitive for day-to-day rewards with an estimated base return around 3.0%.
Annual fee break-even math
At base earn rates, you need roughly ₹17K in yearly spend to offset the ₹500 annual fee.
Key Benefits
Lounge Access
- Domestic visits
- No lounge access
- International visits
- Not available in current snapshot
Rewards
- Points per ₹100
- 3 pts
- Effective earn
- 3% cashback
Fees & Charges
Fees
- Annual fee
- ₹500
- Joining fee
- ₹500
- Fee waiver spend
- ₹1,00,000 Below catalog median waiver (₹3,00,000 vs ₹1,00,000).
International Use
- Forex markup
- 3.5%
- Product tier
- Mid-tier
Best For
- High rewards
- Low annual fee
Explore: best credit cards in India · low forex cards · zero forex cards · forex markup (learn) · reward rate (learn) · lounge access cards
Drawbacks
- High forex markup (3.5%)
- No domestic lounge access
Compare with similar cards
Open the closest side-by-side options in this tier before you apply.
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- ICICI Bank HPCL Super Saver Side-by-side compare ICICI Bank HPCL Super Saver vs HDFC Bank PIXEL Play
Latest update
- Snapshot refreshed on 25 April 2026 (today).
- Annual fee on file: ₹500.
- Forex markup currently listed at 3.5%.
- No lounge access is on file in the latest refinery snapshot.