HDFC Bank Pixel Go Credit Card – Benefits, Fees & Eligibility

HDFC Bank Pixel Go Credit Card

Introduction

The HDFC Bank Pixel Go Credit Card is designed for the digitally-native generation, offering a seamless and fully digital credit card experience. It allows users to build a good credit score through everyday purchases and is managed entirely through the PayZapp application. This entry-level card features a straightforward 1% unlimited cashback on eligible transactions, along with accelerated cashback on Smartbuy and UPI spends, making it a suitable choice for individuals new to credit cards.

Welcome Benefits

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

Fees

• Joining/Renewal Membership Fee: ₹250/- + Applicable Taxes.
• Spend-Based Waiver:
  • Joining fee waiver by spending ₹10,000 within 90 days of issuance.
  • Renewal membership fee waived off for the next year by spending ₹50,000 or more in the preceding 12 months.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 3.5%
• Interest Rates:
  • 3.60% Monthly
  • 43.20% Yearly
• Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India.
  • Applicable on minimum transactions of ₹400 and maximum transactions of ₹5,000.
  • Maximum waiver of ₹250 per statement cycle.
• Cash Advance Charges: 2.5%

Rewards

• Cashback on Spends:
  • 1% unlimited cashback on all eligible transactions.
  • 5% Cashback on Smartbuy.
  • 1% Cashback on all UPI Spends (Applicable only on PIXEL RuPay Credit Card).
• Dining Benefits:
  • Flat 10% Savings for HDFC Bank PIXEL Credit card payments via Swiggy Dineout.
  • 25% Dining Discount via Swiggy Dineout, up to Rs. 300 per month.
• Cashback Exclusions: Cashback is not applicable on Fuel Spends, Wallet Spends, Rent Payments, Government Related transactions, EMI Transactions, Purchases Converted to EMI Post Facto, Cash Advances, Payment of Outstanding Balances, Payment of Card Fees and Other Charges.

Rewards Redemption Guide

• Cashback will be credited in the form of PIXEL CashPoints.
• PIXEL CashPoints can be easily managed under the rewards section of the Pixel Homepage in PayZapp.
• Upon the accumulation of 500 PIXEL CashPoints, they can be redeemed easily to the PayZapp Wallet.
• Redeemed CashPoints can be used to purchase brand vouchers within PayZapp digitally.
• 1 PIXEL CashPoint = ₹1 PayZapp CashPoint.
• Pixel CashPoints are valid for 2 years from the date of accumulation.
• There is no limit on cashpoint earning each statement cycle.

Card Eligibility Criteria

For Salaried

• Age: Minimum 21 years & Maximum 60 years.
• Income: Gross Monthly Income > ₹8,000.

For Self Employed

• Age: Minimum 21 years & Maximum 65 years.
• Income: ITR > ₹6.0 Lakhs per annum.

Card Review

The HDFC Bank Pixel Go Credit Card is an excellent choice for individuals seeking their first credit card, especially those with a digital-first lifestyle. Its reasonable fee structure, coupled with easy waiver conditions, makes it accessible. The card offers a decent 1% unlimited cashback on most spends, with boosted rates for Smartbuy and UPI transactions, providing value across common spending categories. The integration with PayZapp for seamless digital onboarding, management, and redemption of rewards further enhances its appeal.

Pros

• Reasonable joining and renewal fees (₹250 + GST).
• Joining fee can be waived by spending ₹10,000 within the first 90 days.
• Renewal fee can be waived by spending ₹50,000 in a year.
• Unlimited 1% cashback on all eligible transactions.
• Accelerated 5% cashback on Smartbuy transactions.
• 1% cashback on UPI spends (for RuPay variant).
• Attractive dining discounts via Swiggy Dineout (Flat 10% savings / 25% discount up to ₹300 per month).
• Seamless digital onboarding and management through the PayZapp application.
• Flexibility to convert outstanding balance or select transactions into low-cost EMIs digitally.
• Zero lost card liability for fraudulent transactions if reported immediately.
• Up to 50 days of interest-free credit period.

Cons

• The primary cashback rate is only 1% across most categories, which might be lower compared to some specialized cards for higher spenders.
• Specific categories like fuel, wallet, rent, government transactions, and EMI-related spends are excluded from cashback earnings.
• No explicit mention of other premium benefits like lounge access, golf, or comprehensive insurance beyond lost card liability.

Important Product Details

• Cashback-focused credit card with 1% unlimited cashback on eligible transactions.
• Accelerated cashback of 5% on Smartbuy and 1% on UPI spends (RuPay variant).
• Joining and Renewal Fee of ₹250 + applicable taxes, easily waived through spend-based conditions (₹10,000 in 90 days for joining, ₹50,000 annually for renewal).
• Earns PIXEL CashPoints, redeemable to PayZapp Wallet for brand vouchers, with 1 CashPoint = ₹1.
• Digital onboarding and comprehensive card management via the PayZapp app.
• Offers flexible EMI conversion options for purchases and outstanding balances.
• Provides a 1% fuel surcharge waiver (capped at ₹250 per cycle).
• Includes a 25% dining discount via Swiggy Dineout (up to ₹300/month) and flat 10% savings via Swiggy Dineout.

Other Details

• Digital Onboarding & Management:
  • Experience seamless digital onboarding via PayZapp and receive an instant digital credit card.
  • Manage your PIXEL Go credit card entirely from the PayZapp app, accessing features such as Card Controls, Rewards, EMI Dashboard, Statements, Repayments, Recent Transactions, Disputes, Hotlisting, Help Center, and Notifications.
• Pay in Parts (EMI Conversion):
  • Enjoy hassle-free, one-click instant conversion of the PIXEL Go credit card outstanding balance or select transactions to EMIs from your PayZapp.
  • Manage all live EMIs within the EMI dashboard from PayZapp.
  • Choose low-cost and flexible tenures.
  • 100% Digital process with no documentation, email, or calling required.
• Lost Card Liability: In the unfortunate event of losing your HDFC Bank Pixel Go Credit Card, upon reporting it immediately to the 24-hour call centre, you have zero liability on any fraudulent transactions.
• Interest Free Credit Period: Up to 50 days of interest-free period from the date of purchase (subject to the submission of the charge by the Merchant).
• Revolving Credit: Available at a nominal interest rate.
• Contactless Payment:
  • Swipe to Pay: Make E-commerce transactions effortlessly without the need for a one-time password (OTP) sent via SMS.
  • Tap & Pay: Facilitates fast, convenient, and secure payments at retail outlets by tapping with your phone or physical card.
  • Scan and Pay: Through the Pixel RuPay credit card, customers can make payments to merchants by scanning QR codes for Unified Payment Interface (UPI) Payments.
• Statement & Repayments:
  • Easily view and download digital statements in the PayZapp app.
  • View current outstanding on the card and make repayments within the Pixel Home page using payment methods like UPI, Debit card, and Netbanking.
• Servicing via Help Center:
  • Refer to FAQs by clicking on "?" in the app screen for answers to your questions.
  • Raise a query ticket within the app by clicking "Raise a Ticket" if you need more help, and the service team will respond in the app.
  • To Raise a Ticket: Tap "?" on the Pixel Play Credit Card Home Page, choose the relevant category and query, or select "My query is not listed".
• How to Apply:
  • 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.
  • Upon approval, complete the card setup process in PayZapp to ensure timely delivery.
  • Customers applying via PayZapp get the option to choose network (Visa/RuPay/Both) for up to 3 days post-approval. After 3 days, both RuPay (Digital Card) and Visa (physical plastic card) will be issued to your registered postal address, with a single consolidated PIXEL statement generated for both cards.
• How to Activate your PIXEL Credit Card:
  • Download HDFC Bank PayZapp.
  • Sign up using your mobile number (must match the one used for your PIXEL Card application).
  • Access PIXEL Go via the in-app nudge or notification on the PayZapp Home Page.
  • Set it up by selecting your billing cycle date.
  • Activate & Go: Verify your email ID and click "Activate & Proceed".
  • Your PIXEL Go Credit Card is instantly activated and ready for use.
• How to Set up UPI PIN:
  • Open PayZapp and tap on "View PIXEL Home" on the home screen.
  • Navigate to Settings > "Set RuPay UPI".
  • Verify your OTP and set your card PIN.
• How to Enable Scan&Pay Payments (within PayZapp):
  • Open PayZapp and tap the menu bar on the top left corner.
  • Go to "UPI Accounts" under Account Management.
  • Under Credit Cards, tap "Add New" and select HDFC Bank Credit Card.
  • Enter the last 6 digits of your card and its expiry date, then proceed.
  • Verify with OTP, enter your credit card PIN, and create your UPI PIN.
• How to Enable Scan&Pay Payments for Third Party Apps:
  • Open the third-party app and go to Payment Methods.
  • Select "Add RuPay Credit Card on UPI", choose HDFC Bank, and continue.
  • When the "Add HDFC Bank RuPay Credit Card" prompt appears, tap Continue.