
HDFC Pixel Go Credit Card

Key Highlights of HDFC Pixel Go Credit Card
Following are some of the major HDFC Pixel Go Card benefits:
Joining/Renewal Fee | Rs 250 |
Joining Fee Waiver | HDFC Pixel Go credit card also has the option of joining fee waiver if a card member manages to spend Rs 10,000 in the first 90 days of credit card issuance. |
Renewal Fee Waiver | You have to spend at least Rs 50,000 in the preceding 12 months in order to avail renewal fee waiver for the next year. |
Fuel Surcharge Waiver | Card members can enjoy a 1% fuel surcharge waiver at all refuelling stations across India for transactions between Rs 400 & Rs 5,000. The maximum waiver has been capped at Rs 250 per statement cycle. |
Cashback | Customers can avail 1% unlimited cashback on all eligible retail transactions. |
Forex Markup Fee | 3.50% |
Features & Benefits of HDFC Pixel Go Credit Card
HDFC PIXEL Go Cards Digital Benefits
- PIXEL Go cards can be digitally managed through HDFC Bank’s PayZapp.
- HDFC PIXEL Go credit card allows a card member to customise the benefits according to the lifestyle needs and spend patterns.
- Customers can obtain a digital HDFC PIXEL Go credit card instantly after a seamless digital onboarding via HDFC Bank’s PayZapp mobile application.
- After receiving the digital PIXEL Go credit card, you can customise it with the merchants of your choice to maximise the cashback.
- Not only this, you can choose your own credit card design for PIXEL Go cards and a preferred billing generation date.
- PayZapp also allows access to PIXEL Go features including credit card controls, statements, recent transactions, rewards, repayments, and the ongoing EMIs through the EMI dashboard.
- Furthermore, PIXEL Go credit card members can raise disputes, check for notifications, access HDFC Bank’s help centre, hotlisting, etc through PayZapp.
- With the ease of PayZapp, card members can repay PIXEL Go credit card bills through the PIXEL home page using various payment methods such as UPI, a debit card and net banking.
Cashback on PIXEL Go Credit Cards
- All HDFC PIXEL Go credit card members are eligible for a 1% unlimited cashback on all eligible retail transactions.
- The cashback will be accumulated in the form of PIXEL cashpoints, which can be checked from the rewards section on the homepage of PayZapp mobile application.
- The cashpoints can be redeemed to purchase brand vouchers of your choice only after a minimum threshold of 500 PIXEL cashpoints.
- All accrued cashpoints will remain valid for a period of 2 years from the date of credit into the account.
EMI Dashboard for PIXEL Go Cards:
- With PayZapp’s EMI Dashboard, PIXEL Go credit card customers can enjoy the facility of one-click EMI conversion of PIXEL Go credit card outstanding balance instantly.
- The EMI conversion is 100% digital through PayZapp and it can be done without any documentation, email or calling any HDFC Bank representative.
- You can choose a low-cost EMI structure that suits your earnings and spend patterns. As a card member, you can choose the entire credit card outstanding or a select few transactions for EMI conversion.
Dining Benefits:
- With the Good Food Trail program of HDFC Bank, PIXEL Go credit card members can enjoy discounts on dining up to 25%.
- The discount is available on all your restaurant bill payments via Swiggy Dineout on more than 20,000 listed restaurants.
- The discounts on dining can be only availed through payments done via Swiggy application.
Fees & Charges of HDFC Pixel Go Credit Card
Following are the annual fee, joining fee and other HDFC Pixel Go credit card charges:
Joining/Renewal Fee | Rs 250 + GST |
Cash Advance Fee | 2.5% or Rs 500, whichever is higher |
Finance Charges | 3.60% p.m. or 43.20% p.a. |
Smart EMI Charges | Rs 199 + GST, 3% of principal outstanding is charged as a fee for preclosure. |
Dynamic Currency Conversion Mark-Up | 1% |
Overlimit Charges | 2.5%, subject to a minimum of Rs 550 + GST |
Bill Payment via Cash | Rs 100 |
Cash Withdrawal Limit | 40% of the free credit limit |
Penalty For Default or Delayed Payment | Nil for balances less than Rs 100 |
Rs 100 for balances between Rs 100 & Rs 500 | |
Rs 500 for balances between Rs 501 & Rs 5,000 | |
Rs 600 for balances between Rs 5,001 & Rs 10,000 | |
Rs 800 for balances between Rs 10,001 & 25,000 | |
Rs 1,100 for balances between Rs 25,001 & Rs 50,000 | |
Rs 1,300 for balances above Rs 50,000 | |
Payment Return Charges | 2%, subject to a minimum of Rs 450 + GST |
Reward Redemption Fee | Rs 99 + GST |
Railway Ticket Booking Charge | 1% + GST |
Balance Transfer Processing Charge | 1% or Rs 250 + GST |
Processing Fee (Insta Loan, Jumbo Loan, Smart EMI) | Up to Rs 999 + GST |
Easy EMI Processing Fee | Up to Rs 299 + GST |
Loan Pre-Closure Charges | 3% of principal outstanding |
Outstation Cheque Processing Charges | Rs 25 for cheque value up to Rs 5,000 and Rs 50 for cheques above Rs 5,000. |
Rent Pay Transaction Charge | 1% + GST |
Credit Card Re-issuance Charge | Rs 100 |
Duplication Physical Statement | Rs 10 |
HDFC Pixel Go Credit Card Eligibility
Following are the Pixel Go Credit Card eligibility criteria in detail:
Eligibility for Salaried:
- The applicant should be an Indian citizen.
- The minimum age of the applicant should be 21 years and the maximum up to 60 years.
- The net monthly income of the applicant should be above Rs. 12,000.
Eligibility for Self-employed:
- The applicant should be an Indian citizen.
- The minimum age of the applicant should be 21 years and the maximum up to 65 years.
- The Income Tax Return (ITR) of the applicant should be above Rs. 6 Lakhs per annum.
Also Read: HDFC Bank Virtual Credit Card
HDFC Pixel Go Credit Card Document Required
If you want Pixel Go HDFC Credit Card apply online with the following documents:
- Passport size photographs.
- A user is mandatorily required to submit a copy of PAN. Those who don’t possess a PAN can provide a copy of Form 60.
- For verifying the identity, credit card applicants can submit a passport, or a Voter’s ID card, or an Aadhaar card, or a copy of driving licence.
- For verifying the address, users can submit a passport, or a Voter’s ID card, or an Aadhaar card.
- Additionally, the bank may ask for latest salary slips and bank statements, or Form 16 to verify the earnings and source of income.
How to Apply for an HDFC Pixel Go Credit Card?
If you want to get a Pixel Go Card apply online through our website by following the steps given below:
- Click on the ‘Credit Cards’ on the homepage of our website.
- From the dropdown menu, choose ‘HDFC’ and then click on the ‘Apply Now’ button.
- Enter all the required details including your name, mobile number, email address, employment information, income details, and so on
- Verify your mobile number with an OTP.
- You will get a call from our credit cards expert soon to help you complete the credit card application process.
HDFC Pixel Go Credit Card FAQs
HDFC PIXEL Go is an entry-level credit card offered by HDFC Bank under PIXEL Collection.
The validity of cashpoints in PIXEL credit cards is 2 years.
PIXEL Play credit card allows you to choose various merchants to maximise the value of cashback to the tune of 5% and 3%, while PIXEL Go credit card offers an unlimited 1% cashback on all retail spends by default.
Yes. You can add your digital credit cards on GPay to pay via NFC (Near Field Communication) technology.
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