HDFC Bank Pixel Go Credit Card: Features & Apply

Table of Contents

Summary

The HDFC Bank Pixel Go Credit Card is the latest digital-first credit card launched to cater to people who seek flexibility, convenience, and cashback benefits. The Credit card stands out as it provides customized subscription plans wherein people can choose to have a monthly plan (starting from ₹49) or a yearly plan (₹499) as per their usage needs. In the event of new subscribers, the first 3 months of subscription is free, thus becoming even more appealing.

One of the biggest strengths of the Pixel Go card is its reward aspect. The members earn 1% unlimited cashback on all transactions and 5% cashback (up to a maximum of 500 points per month) on purchases made using HDFC SmartBuy. However, purchases for fuel, wallet recharges, government transactions, and EMIs are not covered under cashback.

This card also offers lifestyle benefits such as up to 25% discount on dining with Swiggy Dineout, online control using the PayZapp app, and easy EMI for heavy purchases. The card comes in a small and vibrant appearance with the facility of contactless payment, giving it a modern and tech-savvy appeal.

Introduction

In the present digital age, credit cards are an integral part of our lives. Online purchases, bill payments, and travel tickets all become convenient and rewarding with a credit card. With so many players in the industry, HDFC Bank has introduced a new and unique credit card known as the HDFC Bank Pixel Go Credit Card. This card is created for young, tech-savvy customers who spend a lot of money online and want the best rewards for their day-to-day spending.

The HDFC Pixel Go Credit Card is an excellent choice for someone seeking ease, simplicity, and high-value benefits. It is a digital credit card only, which means the entire experience—from application to usage—is easy and paperless. It is made keeping the current generation in view who prefer doing all their work from their smartphones. The card offers lucrative cashback, reward points, and other facilities that are extremely useful for those who prefer shopping a lot online or on digital platforms.

With this card, you can earn cashback on all spending, especially on categories like ordering food, OTT subscriptions, booking travel, and shopping. It also offers milestone rewards, i.e., the more you shop, the more you receive. It is also globally accepted, so you don’t have to worry about using it during trips abroad. In addition, it comes with strong security features such as instantaneous card locking/unlocking, spending limits, and real-time transaction alerts to protect your money.

What is the HDFC Bank Pixel Go Credit Card?

For people who value digital services, HDFC Bank Pixel Go Credit Card is a fresh and creative credit card. You apply, use, and manage this totally digital credit card on your mobile phone using the HDFC Bank app. Online buying, meal ordering, transport booking, and many other daily expenses are best suited for it.

It pays you redeemable cashback or reward points on your purchases. You can even choose your subscription plan depending on your personal needs for spend and reward. It is also handy, safe, and lets you take command through your cell phone, much as you can limit expenditure, freeze the card, or modify settings at any moment. This credit card is generally helpful for those who value convenience, control, and rewards without the effort and in a digital method.

What is the design of the HDFC Bank Pixel Go Credit Card?

The HDFC Bank Pixel Go Credit Card has a cutting-edge and stylish appearance that says a lot about its digital-first approach. The card itself is available in an array of bright, cheerful colors so that users can choose a design based on their personality.

The Credit card further has a minimalist design with minimal details like the number of the card, cardholder name, and the expiry date presented in a simple and structured format. The card is further contactless, and this is evident from the contactless symbol on the front, which facilitates easy and secure transactions through a mere touch.

What are the benefits of the HDFC Bank Pixel Go Credit Card?

The HDFC Bank Pixel Go Credit Card offers a slew of rewards targeted towards tech-oriented customers:

Cashback Rewards: Enjoy 1% unlimited cashback on day-to-day transactions, excluding categories like fuel, taxes, and government transactions. Furthermore, enjoy 5% cashback (500 points per billing cycle) on transactions made using HDFC’s Smart Buy App.

Dining Offers: Avail up to 25% instant discount on restaurant bills via Swiggy Dineout, up to ₹300 monthly.

Digital Management: Digital management of your card using PayZapp enables you to track spending, redeem reward points, and configure card settings at your convenience.

Flexible EMIs: Experience low-cost and flexible EMI options, which enable you to easily manage higher purchases.

Low Fees: Joining fee for the card is ₹250 plus taxes, which can be waived by spending ₹10,000 within the first 90 days.

What are the fees for the HDFC Bank Pixel Go Credit Card?

Here is a simple HDFC Bank Pixel Go Credit Card fee breakup.

Joining Fee	₹250 plus GST
Annual Fee	₹250 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.6% per month (43.2% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank Pixel Go Credit Card?

1. Age Requirement:

You should be between 18 to 65 years of age.

2. Income Requirement:

Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have a valid address proof.

What documents are required to get an HDFC Bank Pixel Go Credit Card?

The documents that you will have to submit to Get an HDFC Bank Pixel Go Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank Pixel Go Credit Card be used?

Here is the list of places where you can use it:

With the HDFC Bank Pixel Go Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your HDFC Pixel Go Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The HDFC Pixel Go Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank Pixel Go Credit Card?

The credit limit of the HDFC Pixel Go Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for an HDFC Bank Pixel Go Credit Card?

Apply it through both these modes:

Online Application Process

Visit the official website of HDFC Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Pixel Go Credit Card.

Just hover your cursor on the HDFC Pixel Go Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

You can walk into the nearest HDFC Bank branch to apply for the HDFC Pixel Go Credit Card.

Request for the credit card application form for the HDFC Bank Pixel Go Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the HDFC Bank Pixel Go Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank Pixel Go Credit Card in 2025 be right?

Yes, the HDFC Pixel Go Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

The HDFC Bank Pixel Go Credit Card is a smart and modern credit card meant for people who live a life that is full of digital living. It is a fresh and innovative way of living, making the user get rewards, cashback, and reward points that are easy to understand and use. If you like shopping online, ordering food, or making ticket reservations for trips, this card makes you earn on your everyday spends.

The positive aspect of this Credit card is its subscription plan. Instead of the fixed annual fee, you can go for monthly or yearly subscription based on usage and requirement. This implies that you only pay for those benefits that you end up using, which gives you full control over expenses. If you are not an excessive user, then you can go for the month-by-month subscription. If you purchase in bulk, the yearly plan is more beneficial.

Along with up to 5% cashback under HDFC SmartBuy, the card offers 1% unlimited cashback on regular purchases. With HDFC apps and PayZapp, you also have dining rewards, quick EMIs, and a digital experience. From registering for the card to running it online, everything is simple and hassle-free. It also boasts strong security elements to protect your money.