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