HDFC Bank has launched two digital credit cards on the PayZapp app, the Pixel Play and Go credit cards. Unlike the other credit cards issued by HDFC Bank, the Pixel credit cards are sourced only through the PayZapp app. The HDFC Bank Pixel Go credit card is the lower variant and comes with an annual fee of Rs 250. Read on to find more about the HDFC Bank Pixel Go credit card and if it is a good addition to your wallet.
Fees
| HDFC Bank Pixel Go Credit Card | |
|---|---|
| Joining Fee | Rs 250+GST or Zero |
| Joining Fee Waiver | Spend Rs 10,000 within 90 days |
| Welcome Benefit | None |
| Annual Fee | Rs 250+GST |
| Renewal Benefit | None |
| Annual Fee Waiver Spends | Rs 50,000 in a membership year |
Split Limit for existing HDFC Bank credit card customers
If you already hold another HDFC Bank credit card, then you will need to split your credit limit during the application process. Unlike other HDFC Bank credit cards, this does not get issued with a credit limit.
Rewards
- 1% cashback on spends
- 1% cashback on UPI spends with RuPay card up to 500 CashPoints/month
- No cashback on fuel, wallet, rent payment, government transactions
- Cashback is not applicable on transactions of less than Rs 100
- Cashback for insurance spends is capped at 2000 CashPoints/day
- 1 CashPoint is equal to Rs 1. This means we earn between 1% to 5% cashback on spends with the Pixel Go credit card.
HDFC SmartBuy Rewards for Pixel Go Credit Card
HDFC Bank Pixel Go credit card is also eligible for SmartBuy platform. Cashback on SmartBuy transactions is capped at Rs 1000/calendar month.
| Shopping Category | Cashback |
|---|---|
| IGP.com | 10% |
| Flights | 5% |
| Hotels | 5% |
| IRCTC | 1% |
| RedBus | 5% |
| Instant Voucher | 5% |
| Apple Imagine Tresor | 5% |
| Zoom Car | 5% |
| Nykaa | 5% |
| Myntra | 5% |
| Jockey | 10% |
| MMT Holiday Packages | 5% |
| Pharmeasy | 10% |
Benefits
- 10% cashback on dining spends with Pixel RuPay credit card scan & pay
- The maximum CashPoints that can be earned per transaction is Rs 250.
- Maximum of 500 CashPoints can be earned in a calendar month.
- 10% Cashback is not applicable on transactions less than Rs 250.
- 1% fuel surcharge waiver at all fuel stations across India
- Applicable on a minimum transaction of Rs 400 and a maximum transaction of Rs 5000
- Maximum waiver of Rs 250 per statement cycle
CashPoints Redemption on the HDFC Bank Pixel Go Credit Card
Each CashPoint is equivalent Rs 1 for the Pixel Go credit cad. We can redeem these on the PayZapp app. The minimum CashPoints balance required for redemption is 1000 CashPoints. Unredeemed CashPoints will expire/lapse after 2 years of accumulation.
Airport Lounge Access
- Domestic Airport Lounge Access: Not Available
- International Airport Lounge Access: Not Available
Final Thoughts
The HDFC Bank Pixel Go credit card is an entry-level offering. But considering the requirement of split limit, we would not suggest getting this card. The reward rate at 1% is not high and we can get the same with other cashback credit cards.
Frequently Asked Questions
No, there is no complimentary railway lounge access on the Pixel Go credit card.
Yes, we get a physical card for the Pixel Play credit card as well.
HDFC Bank Pixel Go Credit Card
