HDFC Pixel Go Credit Card
MyRupaya Ratings
Product Details
Credit Card Name :
HDFC Pixel Go Credit Card
Bank Name :
HDFC Bank
Type :
Cashback Credit Card
Interest Rate :
3.6% per month (i.e., 43.2% per annum)
Eligibility :
For Salaried
Age: Min 21 yrs & Max 60 Yrs.
Income: Gross Monthly Income > ₹8,000.
For Self Employed
Age: Min 21 yrs & Max 65 Yrs.
Income: ITR > ₹6.0 Lakhs per annum.
Pros
Welcome Benefit: Users can get a joining fee waiver by spending ₹10,000 within 90 days of issuance.
Reward System: 1% unlimited cashback on all eligible transactions.
Other Benefits: Exclusive dining offers, Upto 25% discount on partner restaurants via Swiggy Dineout.
Cons
Low cashback rate: Compared to other credit cards, 1% cashback is a relatively low reward rate. Frequent spenders might find better deals elsewhere.
Limited benefits: This card lacks features like travel insurance, airport lounge access, or reward points multiplication on specific categories.
Dependence on PayZapp app: Managing the card entirely through PayZapp might be inconvenient for those who don't use the app regularly.
Pros & Cons
Welcome Benefits
Users can get a joining fee waiver by spending ₹10,000 within 90 days of issuance.
Rewards System
Reward System: 1% unlimited cashback on all eligible transactions.
International Forex Markup
3.5%
Welcome Benefits and Reward System
Special Features
Users can get up to 25% savings off on all your restaurant bill payments via Swiggy Dineout.
Eligibility Criteria
For Salaried
Age: Min 21 yrs & Max 60 Yrs.
Income: Gross Monthly Income > ₹8,000.
For Self Employed
Age: Min 21 yrs & Max 65 Yrs.
Income: ITR > ₹6.0 Lakhs per annum.
Benefits
Unlimited cashback.
Dining offers.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Step 1: Download or update the PayZapp app from the Google Play Store for Android or the App Store for iOS
Step 2: Click on the 'Apply Now for PIXEL CREDIT CARD' banner on the PayZapp homepage.
Contact Details
Account Opening and Procedure
Recommended Credit Cards
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: Users can get a joining fee waiver by spending ₹10,000 within 90 days of issuance.
Reward System: 1% unlimited cashback on all eligible transactions.
Other Benefits: Exclusive dining offers, Upto 25% discount on partner restaurants via Swiggy Dineout.
Low cashback rate: Compared to other credit cards, 1% cashback is a relatively low reward rate. Frequent spenders might find better deals elsewhere.
Limited benefits: This card lacks features like travel insurance, airport lounge access, or reward points multiplication on specific categories.
Dependence on PayZapp app: Managing the card entirely through PayZapp might be inconvenient for those who don't use the app regularly.
The HDFC Pixel Go Credit Card is a good option for those who:
Primarily shop online or prefer contactless payments.
Want a customizable cashback program on their frequent spending categories.
Are comfortable managing their finances entirely through a mobile app.
However, if you need a physical card for certain transactions, prioritize rewards on a wider range of spending categories, or desire airport lounge access, other HDFC credit cards or cards from different issuers might be a better fit.
HDFC Pixel Go Credit Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
Product Review
Fees & Charges
Joining Fees: INR 250
Interest Rate: 3.6% per month (i.e., 43.2% per annum)
Cash Advance Charges: 2.5% or ₹500 whichever is higher.
Late Payment Charges: Ranges from INR 0 to INR 1300.
Foreign Currency Mark-up Fees: 3.5%
Fuel Surcharge
1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹250 per statement cycle).
Billing Cycle
30 Days