Explore Benefits of HDFC BankPixel GoCredit Card

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HDFC Bank

Explore Pixel Go Credit Card

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Basic Information

Welcome Benefits ₹10,000 spend within first 90 days → joining fee waiver

Card Details Card Name: HDFC Bank PIXEL Go Credit Card; Bank Name: HDFC Bank; Card Type: Credit Card; Network: Visa + RuPay; Network Variant: Visa / RuPay; PayZapp application में Visa, RuPay या Both चुनने का option; standard issuance में RuPay digital + Visa physical card

Card Category Entry Level

Payment Network visa, rupay

Eligibility Salaried: Indian, age 21–60 years, monthly income ₹12,000; Self-employed: Indian, age 21–65 years, ITR > ₹6 lakh/year

Rewards Program

Reward Points PIXEL CashPoints; eligible spends पर 1% cashback; CashPoints की validity 2 years

Cashback 1% cashback on eligible spends — unlimited; 5% cashback on eligible SmartBuy transactions — maximum 500 CashPoints/month; 1% UPI cashback on RuPay — maximum 500 CashPoints/month

Redemption 500 CashPoints जमा होने पर PayZapp Wallet में redeem; PayZapp में brand vouchers खरीदने के लिए उपयोग किया जा सकता है

Travel Benefits

Travel Offers SmartBuy के eligible Flights, Hotels, Bus, Rail transactions पर 5% cashback; maximum 500 CashPoints/month

Shopping Benefits

Online Shopping SmartBuy eligible transactions पर 5% cashback; maximum 500 CashPoints/month

Brand Offers PayZapp में earned CashPoints से brand vouchers purchase किए जा सकते हैं

Fuel Benefits

Fuel Savings 1% fuel surcharge waiver; ₹400–₹5,000 transaction; maximum ₹250 waiver per statement cycle

Dining & Entertainment

Dining Swiggy Dineout के माध्यम से restaurant bill payments पर 10% तक savings

Insurance & Protection

Card Security Card security features including card blocking/control through digital card-management facilities

Digital Features

Payments Contactless Tap & Pay: supported; RuPay UPI: Scan & Pay at merchant UPI QR

Mobile Wallet PayZapp support; PIXEL card management through PayZapp

Banking Features PayZapp से Online, Contactless और International usage को enable/disable तथा usage limits control कर सकते हैं

Add-on Features

EMI Features PayZapp से one-click instant EMI conversion; EMI Dashboard से live EMIs manage कर सकते हैं

Bill Payments PayZapp/BBPS-enabled apps के माध्यम से repayment; UPI, Debit Card आदि से payment

Fees & Charges

Joining Charges ₹250 + applicable taxes

Annual Charges ₹250 + applicable taxes; ₹50,000 spend in preceding 12 months → renewal fee waiver

Finance Charges Interest Rate: 3.75% per month / 45% per annum; Interest-Free Period: Up to 50 days

Cash Advance Charges Cash withdrawal charges applicable as per HDFC Bank credit-card schedule

EMI Charges PayZapp के माध्यम से eligible purchases/outstanding को EMI में convert कर सकते हैं; flexible tenure options

Forex Charges Forex Markup Fee: 3.5%

Other Charges Other applicable card charges as per HDFC Bank MITC

Customer Support

Service 24-hour call centre; lost card report करने पर zero lost-card liability

Emergency Services Lost card को immediately report करने पर fraudulent transactions पर zero liability

Performance & Ratings

Best Usage Cashback, SmartBuy, UPI (RuPay), Fuel, Dining, Digital EMI

Advantages 1% unlimited eligible-spend cashback; 5% SmartBuy cashback; RuPay UPI cashback; fuel surcharge waiver; Swiggy Dineout savings; PayZapp digital management; EMI conversion; up to 50-day interest-free period

Instant Check Eligibility | Pixel Go Credit Card

Instant Check Eligibility

Frequently Asked Questions About Pixel Go Credit Card

How can I apply for an HDFC Bank PIXEL Go Credit Card online in India?

You can apply for the HDFC PIXEL Go Credit Card through the HDFC Bank PayZapp mobile application. Download or update PayZapp, log in with your registered mobile number, and select the PIXEL Credit Card application option. Complete the required details and verification process. Depending on your application, document submission or Video KYC may also be required.

What are the eligibility criteria for getting an HDFC PIXEL Go Credit Card?

To qualify for the HDFC Bank PIXEL Go Credit Card, applicants must be Indian residents and meet the bank's age and income requirements. Salaried applicants should generally be between 21 and 60 years of age, while self-employed applicants should meet the applicable age criteria of 21 to 65 years. The bank also evaluates income, credit history and other eligibility conditions before approving an application.

What is the minimum salary required for an HDFC PIXEL Go Credit Card?

The published eligibility criteria specify a minimum monthly income of ₹12,000 for salaried applicants. Self-employed applicants are required to have an annual ITR exceeding ₹6 lakh. Meeting these income requirements does not guarantee approval, as HDFC Bank may also consider the applicant's credit profile, repayment history and internal lending policies.

What documents are required to apply for the HDFC PIXEL Go Credit Card?

Applicants may need to provide identity and address verification documents, such as a PAN card, Aadhaar card, passport, voter ID or driving licence. Depending on the applicant's profile, HDFC Bank may request additional income-related information or verification through Video KYC. The exact documentation requirements depend on the bank's application assessment.

What are the joining and annual renewal fees of the HDFC PIXEL Go Credit Card?

The HDFC PIXEL Go Credit Card carries a joining membership fee of ₹250 plus applicable taxes and an annual renewal fee of ₹250 plus applicable taxes. Cardholders can get the joining fee waived by spending ₹10,000 within the first 90 days of card issuance. The renewal fee can also be waived by spending ₹50,000 or more during the preceding 12 months before renewal.

How much cashback can I earn using the HDFC PIXEL Go Credit Card?

The HDFC PIXEL Go Credit Card offers 1% cashback on eligible everyday transactions, 5% cashback on eligible SmartBuy purchases and an additional 1% cashback on eligible UPI transactions made using the RuPay variant. SmartBuy and UPI cashback are subject to a maximum of 500 CashPoints per month in their respective categories. Certain transactions, including fuel, rent, wallet loads and EMI transactions, are excluded from cashback.

Can I use the HDFC PIXEL Go RuPay Credit Card for UPI payments?

Yes, the RuPay variant of the HDFC PIXEL Go Credit Card supports eligible UPI merchant payments. After linking your card to a supported UPI application and setting up your UPI PIN, you can scan merchant QR codes and pay directly using your credit card. Eligible UPI transactions can earn 1% CashPoints, subject to the applicable monthly cashback limit and exclusions.

What are PIXEL CashPoints and how can I redeem them?

PIXEL CashPoints are the reward units credited to eligible HDFC PIXEL Go Credit Card transactions. You can track your accumulated CashPoints through the rewards section in PayZapp. Once you accumulate 500 CashPoints, you can redeem them into your PayZapp Wallet and use the balance to purchase available brand vouchers. CashPoints remain valid for two years from their accumulation date.

Does the HDFC PIXEL Go Credit Card offer a fuel surcharge waiver?

Yes, the HDFC PIXEL Go Credit Card provides a 1% fuel surcharge waiver at fuel stations across India on eligible transactions between ₹400 and ₹5,000. The maximum waiver is ₹250 per statement cycle. This benefit can help cardholders reduce eligible fuel transaction charges, subject to the bank's applicable terms and conditions.

Can I convert HDFC PIXEL Go Credit Card purchases into EMI?

Yes, HDFC Bank allows eligible HDFC PIXEL Go Credit Card purchases and outstanding balances to be converted into EMIs through PayZapp. Cardholders can access the EMI dashboard, review available repayment tenures and choose an eligible EMI option. Interest, processing charges and other applicable fees may apply depending on the selected EMI facility.

How can I check my HDFC PIXEL Go Credit Card application status and manage my card?

You can manage your HDFC PIXEL Go Credit Card through the HDFC Bank PayZapp application. The app provides access to card transactions, outstanding balances, digital statements, repayments, reward balances and card controls. You can also use the MyCards platform to view transactions and download statements. For application-related updates, check the notifications or communication received from HDFC Bank using your registered contact details.