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HDFC Pixel Go Credit Card

Product Details
Credit Card Name : 

HDFC Pixel Go Credit Card

Bank Name :

HDFC Bank

Type :

Cashback Credit Card

Interest Rate : 

3.6% per month (i.e., 43.2% per annum)

Eligibility :

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

HDFC Pixel Go Credit Card
Pros
  • Joining Benefit: Get a joining fee waiver by spending ₹10,000 within 90 days of issuance

  • Reward System: 1% unlimited cashback on all eligible transactions.

  • Other Benefits: Exclusive dining offers, Upto 25% discount on partner restaurants via Swiggy Dineout. 

Cons
  • Low Cashback Rate: Compared to other credit cards, 1% cashback is a relatively low reward rate. Frequent spenders might find better deals elsewhere.

  • Limited Benefits:  This card lacks features like travel insurance, airport lounge access, or reward points multiplication on specific categories.

  • Dependence on PayZapp App:  Managing the card entirely through PayZapp might be inconvenient for those who don't use the app regularly.

Pros & Cons
Welcome Benefits

Get a joining fee waiver by spending ₹10,000 within 90 days of issuance. 

Rewards System

Reward System: 1% unlimited cashback on all eligible transactions. 

International Forex Markup

3.5%

Welcome Benefits and Reward System
Special Features

Get up to 25% savings off on all your restaurant bill payments via Swiggy Dineout (Swiggy Dineout Logo)

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

Benefits
  • Unlimited Cashback 

  • Dining Offers 

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
HDFC Pixel Go Credit Card

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

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

Product Review
Fees & Charges
  • Joining Fees: INR 250 

  • Interest Rate: 3.6% per month (i.e., 43.2% per annum)

  • Cash Advance Charges: 2.5% or ₹500 whichever is higher. 

  • Late Payment Charges: Ranges from INR 0 to INR 1300. 

  • Foreign Currency Mark-up Fees: 3.5%

Fuel Surcharge

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle). 

Billing Cycle

30 Days

Fees & Charges
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