Welcome Benefit: Users can get a joining fee waiver by spending INR 0,000 within 90 days of issuance.
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HDFC Pixel Go Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users can get a joining fee waiver by spending INR 0,000 within 90 days of issuance.
Milestone Benefits
Annual fee waiver on spending INR 50,000 in a calendar year.
Cashback Rate
Reward System: 1% unlimited cashback on all eligible transactions excluding fuel, wallet recharge, etc.
5% cashback on Smartbuy.
1% cashback on all UPI transactions (for the Rupay Variant).
Movie Benefits
None.
Dining Benefits
Upto 20% discount on partner restaurants via Swiggy Dineout.
Other Benefits
Annual fee waiver on spending INR 50,000 in a calendar year.
Lounge Access
None.
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users can get a joining fee waiver by spending INR 0,000 within 90 days of issuance.
Milestone Benefits
Annual fee waiver on spending INR 50,000 in a calendar year.
Cashback Rate
Reward System: 1% unlimited cashback on all eligible transactions excluding fuel, wallet recharge, etc.
5% cashback on Smartbuy.
1% cashback on all UPI transactions (for the Rupay Variant).
Movie Benefits
None.
Dining Benefits
Upto 20% discount on partner restaurants via Swiggy Dineout.
Other Benefits
Annual fee waiver on spending INR 50,000 in a calendar year.
Lounge Access
None.
Fees & Charges
Joining Fee
INR 250
Annual Fee
INR 250
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.6% per month (i.e., 43.2% per annum)
Late Payment Fee
Late Payment Charges: Ranges from INR 0 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%
Other Fees
Cash Advance Charges: 2.5% or ₹500 whichever is higher.
Fees & Charges
Joining Fee
INR 250
Annual Fee
INR 250
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: 3.6% per month (i.e., 43.2% per annum)
Late Payment Fee
Late Payment Charges: Ranges from INR 0 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%
Other Fees
Cash Advance Charges: 2.5% or ₹500 whichever is higher.
Special Features
Users can get up to 25% savings off on all your restaurant bill payments via Swiggy Dineout.
Eligibility Criteria
For Salaried
Age: Min 21 yrs & Max 60 Yrs.
Income: Gross Monthly Income > ₹8,000.
For Self Employed
Age: Min 21 yrs & Max 65 Yrs.
Income: ITR > ₹6.0 Lakhs per annum.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Step 1: Download or update the PayZapp app from the Google Play Store for Android or the App Store for iOS
Step 2: Click on the 'Apply Now for PIXEL CREDIT CARD' banner on the PayZapp homepage.
Contact Details
Account Opening and Procedure
The HDFC Pixel Go Credit Card is a good option for those who:
Primarily shop online or prefer contactless payments.
Want a customizable cashback program on their frequent spending categories.
Are comfortable managing their finances entirely through a mobile app.
However, if you need a physical card for certain transactions, prioritize rewards on a wider range of spending categories, or desire airport lounge access, other HDFC credit cards or cards from different issuers might be a better fit.
The HDFC Pixel Go Credit Card is a good option for those who:
Primarily shop online or prefer contactless payments.
Want a customizable cashback program on their frequent spending categories.
Are comfortable managing their finances entirely through a mobile app.
However, if you need a physical card for certain transactions, prioritize rewards on a wider range of spending categories, or desire airport lounge access, other HDFC credit cards or cards from different issuers might be a better fit.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai