HDFC Bank PIXEL Go Credit Card
HDFC Bank
Annual / renewal fee
₹250 (annual membership fee for PIXEL Go).
Verifiedharvested from product page2 Aug 2026, 10:50 AM ISTHDFC Bank
Earn rate
- 1% unlimited CashPoints on all spends.
- 5% cashback on SmartBuy platform (max 500 points/month) for IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor.
- 1% cashback on UPI spends (RuPay variant only, max 500 points/month).
- CashPoints calculated on lowest rounded integer.
- Not applicable on transactions below ₹100.
VerifiedTerms & Conditions / Rewards T&C – HDFC Bank PIXEL Go Credit Card (CashPoints Proposition)2 Aug 2026, 10:50 AM ISTHDFC Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at hdfc.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
PIXEL Go Credit Card by HDFC Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Annual / renewal fee
₹250 (annual membership fee for PIXEL Go).
Verifiedharvested from product page2 Aug 2026, 10:50 AM ISTHDFC Bank
Fee waiver
Confirm on the official page
Official source not yet captured
Renewal fee
- ₹250 + GST.
- Renewal fee waived on spending ₹50,000 in the year.
Verifiedharvested from product page2 Aug 2026, 10:50 AM ISTHDFC Bank
Rewards
- 1% unlimited CashPoints on all spends.
- 5% cashback on SmartBuy platform (max 500 points/month) for IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor.
- 1% cashback on UPI spends (RuPay variant only, max 500 points/month).
- CashPoints calculated on lowest rounded integer.
- Not applicable on transactions below ₹100.
VerifiedTerms & Conditions / Rewards T&C – HDFC Bank PIXEL Go Credit Card (CashPoints Proposition)2 Aug 2026, 10:50 AM IST
Redemption value
- Redemption at 1 CashPoint = ₹1 PayZapp Cash points.
- CashPoints transferred to PayZapp Cashpoints account after redemption request.
- Minimum 500 CashPoints required for redemption.
- Unredeemed CashPoints expire/lapse after 2 years of accumulation.
VerifiedTerms & Conditions / Rewards T&C – HDFC Bank PIXEL Go Credit Card (CashPoints Proposition)2 Aug 2026, 10:50 AM ISTHDFC Bank
Reward cap
- 1% unlimited cashback across all other spends capped at ₹15,000 per calendar month.
- SmartBuy 5% capped at 500 CashPoints/month.
- UPI 1% capped at 500 CashPoints/month.
- Insurance spends capped at 2,000 CashPoints per day.
- CashPoints nullified if card not used for more than 365 days.
VerifiedTerms & Conditions / Rewards T&C – HDFC Bank PIXEL Go Credit Card (CashPoints Proposition)2 Aug 2026, 10:50 AM ISTHDFC Bank
Reward exclusion
VerifiedTerms & Conditions / Rewards T&C – HDFC Bank PIXEL Go Credit Card (CashPoints Proposition)2 Aug 2026, 10:50 AM ISTHDFC Bank
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Official source not yet captured
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Foreign currency markup: 3.5% of transaction value.
Verifiedharvested from product page2 Aug 2026, 10:50 AM ISTHDFC Bank
Charge
- Cash advance fee: 2.5% or ₹500 whichever higher.
- Railway Ticket Purchase Fee: 1% of transaction amount + GST.
- Payment Return Charges: 2% of payment amount subject to min ₹450.
- SmartEMI/Pay-in-Parts Processing Fee: ₹199 + GST.
- Pre-Closure Charges: 3% of balance principal outstanding.
- EasyEMI Processing Fee: up to ₹299.
- Rent Pay Transactions (w.e.f 1st Oct 2025): 1% fee on rental transactions, capped ₹4999 per transaction.
- Reissue of Lost/Stolen/Damaged Card: ₹199 + Applicable GST.
- Fuel charges (w.e.f 1st Oct 2025): 1% fee on fuel transaction exceeding ₹15,000, capped ₹4999 per transaction.
- Utility charges (w.e.f 1st Oct 2025): 1% fee on utility spends exceeding ₹50,000 per calendar month, capped ₹4999 per month.
- Education charges (w.e.f 1st Oct 2025): 1% fee on education transactions via third party apps (CRED, Nobroker, Cheq etc), capped ₹4999 per transaction.
- Wallet Loading excl PayZapp (w.e.f 1st Oct 2025): 1% fee on wallet loading exceeding ₹10,000 per calendar month, capped ₹4999 per month.
- Online Skill based Gaming (w.e.f 1st Oct 2025): 1% fee on spends exceeding ₹10,000 per calendar month, capped ₹4999 per month.
- Dynamic Currency Conversion Markup Fee (w.e.f 20th May 2026): 1.75% on transactions in INR at international location or overseas-registered merchants.
- Late Payment Charges (w.e.f 1st Oct 2025): Nil up to ₹100.
- ₹101-500=₹100.
- ₹501-1,000=₹500.
- ₹1,001-5,000=₹600.
- ₹5,001-10,000=₹750.
- ₹10,001-25,000=₹900.
- ₹25,001-50,000=₹1100.
- Over ₹50,000=₹1300.
VerifiedPIXEL Go Credit Card product page2 Aug 2026, 10:50 AM ISTHDFC Bank
Fuel surcharge waiver
- 1% fuel surcharge waiver on fuel transactions (min transaction ₹400, max transaction ₹5,000, max waiver ₹250 per statement cycle).
- GST on fuel surcharge not reversed.
Verifiedharvested from product page2 Aug 2026, 10:50 AM ISTHDFC Bank
Interest-free period
- Up to 50 days interest-free credit period (ranges 20 to 50 days).
- Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.
Verifiedharvested from product page2 Aug 2026, 10:50 AM ISTHDFC Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the PIXEL Go Credit Card?
Officially traced: Rs. 250 (annual membership fee for PIXEL Go).
harvested from product pageWhat is the joining fee on the PIXEL Go Credit Card?
Officially traced: Rs. 250 + GST.
harvested from product pageHow does the PIXEL Go Credit Card earn rewards?
1% unlimited CashPoints on all spends; 5% cashback on SmartBuy platform (max 500 points/month) for IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor; 1% cashback on UPI spends (RuPay variant only, max 500 points/month).
Terms & Conditions / Rewards T&C – HDFC Bank PIXEL Go Credit Card (CashPoints Proposition)What are the transfer ratios for PIXEL Go Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/personal-banking/discover-products/cards/credit-cards/indian-oil-hdfc-bank-credit-card/part-i-key-fact-statement-cum-most-important-terms-and-conditions-for-credit-cards.pdf.
VerifiedPIXEL Go Credit Card (fleet document) — governing document (side-door search)15 Aug 2026, 11:08 AM ISTHDFC Bank
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.