HDFC

HDFC Pixel Go Credit Card

This is an invite only card

Apply and get ₹1100 Rewards

Top Benefits

Enjoy up to 10% Savings on Restaurant Bill

payments across India through Swiggy Dineout

Get 5% Cashback on Shopping, Vouchers

and more through HDFC SmartBuy, plus 1% unlimited cashback on all other eligible

Best For

Shopping

Dining

UPI

Expert Review

Joining / Annual Fee

Joining Fees

₹295 ( ₹250 + GST )

logo The ₹250 + GST joining fee is waived on spends of ₹10,000 within the first 90 days of card issuance

Annual Fees

₹295 ( ₹250 + GST )

logo The annual fee is waived if you spend ₹50 thousand or more in a year on your card, as per bank policy

Eligibility

Age
Criteria*

21-60 years

Salary
Criteria*

1.44LPA

Credit
Rating*

720+

New to credit
allowed

Yes

Existing Bank
Customer Allowed

See if you are eligible for this card

All Card Benefits

Earn 1% unlimited cashback on eligible everyday spends
5% cashback on HDFC SmartBuy, and 1% cashback on UPI spends RuPay variant, capped at 500 CashPoints month
Also available as an FD-backed card credit limit up to 90% of FD value no income proof
interest-free period up to 50 days

How to Redeem Rewards & Cashback?

Rewards Conversion Rate

N/A

Redemption Options

PayZapp Mobile App

To check redemption catalogue

N/A

Gift card - Key Terms

Once you apply, we will start tracking your application

Generally takes 2-72 hrs

Once the bank confirms us of your successful card activation, we will process your rewards

Generally takes 7-75 days

You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards

Generally takes 7-75 days

Note: If you currently hold or have ever held an HDFC Credit Card, you are not eligible for CashKaro Rewards.

Rewards Related

If you currently hold or have ever held an HDFC Credit Card, you are not eligible for Gift Card
A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
Please use Aadhaar linked mobile number to fill the application
If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards

Also, Remember

Resume your application only via Great.Cards to avoid losing Rewards
If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card

Bank Exclusions

You will not earn points / cashback on spends in the following categories

For Points / Cashback Earnings

Fuel

EMI

Rent

E-Wallet Loading

Government Transactions

For Spends Waiver

Fuel

EMI

Rent

E-Wallet Loading

Government Transactions

Bank Fee Structure

Structure	Details
Forex Markups 3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500	3.5%
APR Fees Finance charges of 3.60% per month (43.20% per annum) apply on unpaid outstanding balances until the amount is fully repaid	3.60%
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable	2.5%
Reward Redemption Fees No fee is charged when redeeming reward points on this card	Not Applicable
Link for all T&Cs	Click Here
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets	1%
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card	1%
cheque Payment Fees A fee of 2% of the payment amount subject to a minimum of ₹450 is levied for cheque return, cheque dishonour, or auto-debit reversal	2%
Cash Payment Fees ₹100 cash payment fee per deposit	₹100

Late Payment Fees	Amount Due
₹0 - ₹100	₹0
₹101 - ₹500	₹100
₹501 - ₹1,000	₹500
₹1,001 - ₹5000	₹600
₹5001 - ₹10,000	₹750
₹10,001 - ₹25,000	₹900
₹25,001 - ₹50,000	₹1100
₹50,001 and above	₹1300