How can I apply for the PIXEL Go Credit Card?

You can apply digitally via PayZapp and get instant approval.

What cashback benefits does the card offer?

Earn 1% unlimited cashback on transactions, 5% on Smartbuy, and 1% on UPI spends (RuPay variant).

Can I convert purchases into EMIs?

You can instantly convert transactions into EMIs via PayZapp with flexible tenure options.

Is there a way to waive the joining and renewal fees?

Spend ₹10,000 in 90 days for a joining fee waiver and ₹50,000 annually for a renewal fee waiver.

How does contactless payment work?

You can Tap & Pay at stores, Swipe to Pay online, and Scan & Pay via UPI (RuPay variant).

LifestyleEntryVisaRuPay

PIXEL Go Credit Card

Cashback on every purchase, zero annual fee

Annual fee₹250Waived on ₹0.5L spend

Rewards1%Cashback

Forex markup3.5%3.5% on all foreign currency transactions

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Welcome benefits

worth ₹250

Joining fee waiver on spending ₹10,000 within 90 days

Type: Fee Waiver
Trigger: Spend ₹10,000 within 90 days

Rewards

Base earn rate

1% CashBack on eligible transactions

PIXEL CashPoints

Category	Rate	Cap
SmartBuy Portal	5 PIXEL CashPoint/₹100	—
Upi	1 PIXEL CashPoint/₹100	—

Redemption value

payzapp_wallet: —

• PIXEL CashPoints are valid for 2 years from the date of accumulation
• Minimum redemption: 500 points
• Redemption fee: ₹99

Milestone benefits

Threshold —→ Joining fee waiver
Threshold —→ Renewal membership fee waived off for next year

Fees & charges

Joining fee: ₹250/- + Applicable Taxes
Annual / renewal fee: ₹250/- + Applicable Taxes
Annual fee waiver: Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off
Interest rate: Revolving Credit: Available at a nominal interest rate on your HDFC Bank PIXEL Go Credit Card
Interest-free period: 50 days
Cash advance fee: Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.
Overlimit fee: 2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).
Payment dishonour: 2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹400–₹5000 txns, max ₹250/cycle

Late payment

Outstanding amount	Late fee
Up to ₹100	Nil
₹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	₹1,100
More than ₹50,000	₹1,300

View official MITC →

Insurance covers

Fraud liability

Zero lost card liability: In the unfortunate event of losing your HDFC Bank PIXEL Go Credit Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card.

Eligibility

Income (salaried): Salaried: Income (Monthly) - ₹12,000. Self-Employed: Annual ITR > ₹6,00,000
Income (self-employed): ₹6L/year
Age: 21–60 years

Employment types

SalariedSelf-Employed

Required documents