HDFC Bank PIXEL Times Credit Card (Rush Variant)

HDFC Bank · Open to apply

The ₹1,000 Rush variant of HDFC and Times Internet's entertainment card on PayZapp. Reward points are worth ₹0.25 each: 2 per ₹200 on everything, 10X on two chosen brand packs and 5X on SmartBuy, with streaming, PUMA, movie and event benefits. The ₹1,000 fee is waived at ₹1 lakh a year. The ₹500 Move variant, with 5X on the packs, is hdfc-pixel-times-move.

Annual fee
₹1,000 + GST a year
Joining fee
₹1,000 + GST
Fee waiver
Annual fee waived on ₹1,00,000 spend per card year
Base rate
2 points per ₹200 on all other spends: 2 Reward Points per ₹200 (about 0.25% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 10X at Swiggy and Zepto (Rush, Food & Grocery pack, if chosen): 20 Reward Points per ₹200 (about 2.5% at cash value)
  • 10X at Cleartrip and Uber (Rush, Travel pack, if chosen): 20 Reward Points per ₹200 (about 2.5% at cash value)
  • 10X at Decathlon and Urban Company (Rush, Lifestyle pack, if chosen): 20 Reward Points per ₹200 (about 2.5% at cash value)
  • 10X at Amazon and Flipkart (Rush, E-Commerce pack, if chosen): 20 Reward Points per ₹200 (about 2.5% at cash value)
  • SmartBuy flights, hotels, bus, rail and instant vouchers, 5X: 10 Reward Points per ₹200 (about 1.25% at cash value)

Earns nothing on

  • No Reward Points on fuel
  • No Reward Points on wallet loads, gift or prepaid card loads and voucher purchases (MCC 6540)
  • No Reward Points on rent or government-related payments
  • No Reward Points on EMI (even if pre-closed), including Smart EMI, Dial an EMI and purchases converted to EMI later
  • No Reward Points on online skill-based gaming (MCC 5816)

Where the sources disagree

  • monthly limit on the base category: The Times Internet T&C says Reward Points on "2 Reward Points per ₹200 on other spends" are capped at 2,000 a month; the PIXEL MITC "Fair Usage Policy as of Oct'25" says the maximum for PIXEL Times (Rush and Move) under "2 Reward points for every Rs. 200 spends across all other spends" is 20,000 Reward Points a month. A third-party launch report (Card Insider, 3 September 2026) also gives 20,000. The MITC is used.
  • document date against launch date: The T&C is dated 22 December 2025 (PDF last modified 15 April 2026) and calls the card "PIXEL X Times", while Card Insider described the card as upcoming on 3 September 2026 and the first live sightings are in October 2026. The T&C text is the only card-specific document found and is used as written.

Terms the calculator does not value

  • Brand packs can be changed every 90 days; the calculator values the single best pick for a whole year. Zepto, Cleartrip, Decathlon and Urban Company have no spend line of their own in the calculator. At ₹0.25 a point, the 2,000-point monthly limit on the packs is worth at most ₹500 a month (reached at ₹20,000 of pack spend).
  • Pack earn depends on HDFC having the merchant's terminal and merchant IDs; transactions from IDs not on HDFC's list earn only the base rate.
  • The welcome benefits and the movie offer are time-limited promotions with fixed end dates (31 December 2026 for Spotify, PUMA and the "apply and activate by" movie offer) and are not valued in rupees by HDFC. The calculator does not count them.
  • Reward Points can only be redeemed into PayZapp Wallet at ₹0.25 each, with a 2,000-point minimum; there is no travel or statement-credit route.
  • Groceries, utilities and telecom: the general MITC's monthly caps (clause m, "Reward Points earned on Grocery transactions will be capped per month to ... 1000 reward points for the rest of the cards", from 1 January 2023; clause n, utility and telecom "capped at 2000 Reward Points per calendar month", from 1 September 2024) are not applied. The PIXEL cards have their own "KEY FACT STATEMENT CUM MOST IMPORTANT TERMS & CONDITIONS FOR PIXEL CREDIT CARDS" (s3; also printed in MITC v4.15), whose Reward Points section caps only insurance ("W.e.f 1st Oct 2025 CashPoints / Reward points accrued for insurance transactions will have a maximum cap of 2000 per month", its own date, where the general clause e says 1 July 2025) and the base category (Fair Usage Policy, 20,000 Reward Points a month), with no grocery, utility or telecom cap; the Times T&C has none either. Grocery, utility and telecom spend earn the base 2 points per ₹200 (or the Food & Grocery pack at Swiggy and Zepto). Whether the general clauses also bind the PIXEL cards is not stated anywhere; at ₹0.25 a point, a 2,000-point utility cap would only bind above ₹2 lakh of utility spend a month.

Sources

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