HDFC Pixel Go Credit Card
HDFC Bank
Last updated: Oct 27, 2025
₹0
₹0
Free
No lounge access
Contents
HDFC Pixel Go is a fully digital credit card, offering unlimited cashback, smart EMI, and seamless control via the PayZapp app.
Features of HDFC Pixel Go Credit Card which makes it unique
Smart EMI
Convert purchases into low-cost EMIs instantly
Flexible monthly payments
Faster and easier than peers
Expense Tracker
Categorize monthly spend inside PayZapp
Better budgeting and insight
AI-driven spend analytics
Rewards Structure of HDFC Pixel Go Credit Card
all spends
baseall eligible transactions
Earn 1% on all eligible spends
SmartBuy
acceleratedvia HDFC SmartBuy platform
Extra benefit via SmartBuy
UPI spends
acceleratedusing UPI (via Pixel RuPay card)
Cashback on UPI spends
Milestones of HDFC Pixel Go Credit Card
Quarterly Milestone
₹50,000 : ₹250 bonus credit
Annual Milestone
₹2,00,000 : ₹1,000 bonus credit
Fees & Charges of HDFC Pixel Go Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:No renewal fee
Fee Explanation Standard bank fees apply when applicable; check monthly statements for details.
Insurance Coverage with HDFC Pixel Go Credit Card
purchase protection
₹25,000Within 60 days of purchase
Additional Features of HDFC Pixel Go Credit Card
Contactless Payments
Tap to pay supported
Add-on Cards
Up to 2 free add-on cards
Welcome Bonus with HDFC Pixel Go Credit Card
Welcome Bonus: ₹500 instant credit
Bonus Conditions: Valid for new customers only, first transaction within 30 days
Application Process for HDFC Pixel Go Credit Card
Processing Time
Instant (digital approval)
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Open PayZapp app and select Pixel Go
Fill KYC & personal details
Verification within minutes
Card activated digitally immediately
Required Documents for HDFC Pixel Go Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
HDFC Pixel Go Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India
International Acceptance
Limited (RuPay network may restrict some foreign merchants)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for HDFC Pixel Go Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Must have valid PAN and Aadhaar. Must apply via PayZapp app.
How Approval Is Decided
- Indian resident with valid PAN & Aadhaar
- Minimum age 18
- Credit score ≥ 650
Pros of HDFC Pixel Go Credit Card
- No joining or annual fee
- Simple unlimited cashback model
- Digital experience and app control
Cons of HDFC Pixel Go Credit Card
- No lounge access
- Limited premium features compared to high-end cards
- Rewards mostly via CashPoints which tie into PayZapp ecosystem
Frequently Asked Questions about HDFC Pixel Go Credit Card
Is there a joining fee?
No, there is no joining fee for HDFC Pixel Go.
What is the annual fee?
There is no annual fee; the card is free forever.
What is the cashback rate?
1% unlimited cashback on all eligible spends, plus up to 5% via SmartBuy.
How do I apply for this card?
You can apply through the PayZapp app for instant digital issuance.
Can I convert purchases into EMI?
Yes, via Smart EMI feature, you can convert eligible spends to flexible EMIs.
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