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HDFC Bank PIXEL Times Move Credit Card
RuPay
HDFC Bank PIXEL Times Move Credit Card
PIXEL Times Move is the lighter of HDFC Bank's two new Times-branded PIXEL RuPay cards, aimed at UPI-first spenders who want a customisable, low-fee card without the higher fee of the Rush variant. It leans on everyday e-commerce and dining categories rather than travel or premium perks.
Annual fee
₹500
Joining fee
₹500
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Up to ₹350 off on movie tickets via BookMyShow
- Rewards rate: 0.5% base rate
Benefits by category
- 🍽️ Dining & food delivery
1% reward rate (capped ₹2,000/monthly)
- 🛍️ Shopping
2% reward rate (capped ₹2,000/monthly)
- ⛽ Fuel
1% fuel surcharge waiver at fuel stations across India.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹8,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Rewards redemption fee: Points redeemable as statement credit at no cost
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- Up to 10X reward points on Amazon, Flipkart, Swiggy and other partner merchants.
- Up to Rs 350 off on movie tickets via BookMyShow.
- Reward points on RuPay UPI transactions made through the linked app.
- 1% fuel surcharge waiver at fuel stations across India.
Pros
- + Low annual fee with an easy Rs 1 lakh spend waiver
- + Rewards on RuPay UPI transactions, not just card swipes
- + Decent accelerated rewards on Amazon, Flipkart and Swiggy
- + Customisable PIXEL card design and limits via the app
Cons
- − No lounge access or travel benefits
- − Reward point value is modest versus HDFC's premium cards