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HDFC Bank PIXEL Times Rush Credit Card
RuPay
HDFC Bank PIXEL Times Rush Credit Card
PIXEL Times Rush is the richer of HDFC Bank's two Times-branded PIXEL RuPay cards, launched alongside the Move variant to widen HDFC's entry-level, UPI-linked lineup. It pairs a modest annual fee with stronger reward rates on shopping, dining and RuPay UPI spends than the Move card.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
1%
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: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
2% reward rate (capped ₹2,500/monthly)
- 🛍️ Shopping
3% reward rate (capped ₹2,500/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- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period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 2,000 bonus reward points per month on eligible RuPay UPI transactions.
- Up to Rs 350 off on movie tickets via BookMyShow.
- 1% fuel surcharge waiver at fuel stations across India.
Pros
- + Stronger reward rate than the Move variant across everyday categories
- + Bonus points specifically for UPI transactions on the RuPay rail
- + Easy fee waiver on Rs 1 lakh annual spend
- + App-based customisation through the PIXEL platform
Cons
- − Higher annual fee than PIXEL Times Move for a similar core feature set
- − No lounge access, insurance or travel benefits