HDFC Bank Pixel Go Credit Card
A truly digital credit card designed for personalization, control, and automated daily rewards.
Overview
The HDFC Bank Pixel Go Credit Card is a fully digital-first card operated entirely via the PayZapp mobile app. Positioned as an entry-level card, it allows users to customize their card look and statement billing cycle with a single click. It is highly accessible, even offering an FD-backed version for applicants looking to secure a card without traditional income proof.
Features & Benefits
Joining & Renewal Benefits
The card focuses on low-barrier entry; achieving the joining fee waiver threshold of ₹10,000 spend in 90 days acts as the primary onboarding incentive. Instant virtual card issuance inside PayZapp post-approval.
Renewal fee of ₹250 + GST is waived on annual spends of ₹50,000 or more.
Cashback & Rewards
- • 1 PIXEL CashPoint = ₹1.
- • RuPay variant: 1% cashback on merchant UPI scan-and-pay transactions, capped at 500 CashPoints/month.
- • SmartBuy: 5% cashback on eligible travel and retail vouchers, capped at 500 CashPoints/month.
- • CashPoints are valid for 2 years from the date of accumulation.
- • Minimum 500 CashPoints required to initiate redemption.
CashPoints accumulate inside the Pixel homepage layout on the PayZapp App. Redeemed points are transferred directly to your PayZapp Wallet balance to purchase your choice of digital brand vouchers.
Lifestyle Benefits
- • Instant issuance of the Virtual Card inside PayZapp post-approval.
- • Build Your Own Card lets users pick specific digital card designs/colors.
- • Users can select their preferred statement billing cycle date directly via the app dashboard.
- • Dining via Swiggy Dineout offers up to 10% to 25% savings on restaurant bill payments, capped at ₹300/month.
- • Pay in Parts allows users to convert large transactions or outstanding statement balances into flexible EMIs.
1% fuel surcharge waiver across all Indian fuel pumps on bills between ₹400 and ₹5,000, capped at maximum ₹250 per statement cycle.
3.5% on international transactions. Finance charges are 3.60% per month / 43.20% per annum.
Fees & Charges
- • Extremely affordable fee setup of ₹250 with low waiver targets.
- • 1% flat cashback rate on UPI spends makes the RuPay variant profitable for daily scanning.
- • FD-backed structure makes approval easier for beginners with no income proof or poor credit history.
- • Advanced digital card management controls including billing date and design customization in PayZapp.
- • Minimum redemption block of 500 points means users may need significant eligible spends before first redemption.
- • Lacks premium lifestyle additions like complimentary airport lounge entry.
- • Excludes popular high-value areas like wallet loads, EMIs, and rent from rewards.
- • Fuel transactions do not earn cashback.
- • Wallet loads do not earn cashback.
- • Rent payments do not earn cashback and 1% + GST fee applies.
- • Government, tax, and fine payments do not earn cashback.
- • EMI transactions including post-facto conversions do not earn cashback.
Facility available under PayZapp/HDFC structural rules.
- • Age: 21–60 years.
- • Indian Resident.
- • Requires HDFC Bank PayZapp app installed for end-to-end processing.
- • Salaried: ₹12,000 monthly income.
- • Self-Employed: ITR > ₹6,00,000 per annum.
- • FD-backed option available with minimum Fixed Deposit of ₹15,000.