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Learn about the HDFC Bank PIXEL Go Credit Card, including its rewards programme, key benefits, fees, charges, eligibility criteria, and application process.
Last updated on: Oct 06, 2026
The HDFC Bank PIXEL Go Credit Card is a 100% digital, entry-level credit card designed for first-time credit card users and individuals seeking a simple cashback card. With a low joining fee, cashback on eligible spends, and instant digital onboarding via PayZapp, it aims to simplify card ownership and management.
The PIXEL Go Credit Card is the entry-level card in HDFC Bank's all-digital PIXEL series (alongside the more customisable PIXEL Play). It offers 1% cashback on eligible retail spends, 5% cashback on SmartBuy transactions, dining discounts via Swiggy Dineout, and a fuel surcharge waiver offering a lower minimum income eligibility requirement than several HDFC Bank credit cards. The card is issued and managed entirely through the HDFC Bank PayZapp app, with no physical paperwork required for approval. An FD-backed variant is also available for applicants without income proof or an existing credit history.
The table below summarises the key features and charges of the HDFC Bank PIXEL Go Credit Card:
| Features | Details |
|---|---|
Joining Fee |
Nil |
Renewal Fee |
Nil |
Best Suited For |
First-time credit card users |
Key Feature |
1% cashback on all eligible transactions |
Card Network |
Visa (physical) and RuPay (virtual, UPI-enabled) |
Application Mode |
100% digital, via the HDFC Bank PayZapp app |
The table below provides an overview of the key benefits and rewards offered by the HDFC Bank PIXEL Go Credit Card:
| Benefit Category | Key Benefits | Value/Offer |
|---|---|---|
Cashback Programme |
Cashback on all eligible retail spends, credited as PIXEL CashPoints |
1% cashback |
SmartBuy Rewards |
Accelerated cashback on transactions via HDFC SmartBuy |
5% cashback on SmartBuy spends |
UPI Rewards (RuPay variant) |
Cashback on UPI payments made using the RuPay variant |
1% cashback on eligible UPI transactions made using the RuPay variant. |
Joining Fee Waiver |
Nil |
Life-time free |
Renewal Fee Waiver |
Nil |
Life-time free |
Dining Benefits |
Savings on restaurant bills via Swiggy Dineout |
Up to 10% savings on restaurant bill payments |
Fuel Benefits |
Surcharge waiver on fuel transactions across India |
1% waiver on ₹400–₹5,000 transactions, capped at ₹250 per statement cycle |
Interest-free Period |
Credit-free window on purchases from the transaction date |
Up to 50 days |
EMI Conversion |
One-click conversion of purchases or outstanding balance into EMIs |
Available via PayZapp, flexible tenures |
Revolving Credit |
Access to ongoing credit at a nominal interest rate |
Available on outstanding balances |
Card Protection |
Coverage against unauthorised card usage after the card is reported lost |
Protection against fraudulent use after the card is reported as lost |
CashPoints Validity |
Accumulated cashback points do not expire quickly |
Valid for 2 years from the date of accumulation |
FD-backed Option |
Secured card variant for applicants without income proof or credit history |
Credit limit up to 90% of the linked Fixed Deposit |
Note: These benefits are subject to eligibility, spending thresholds, and issuer terms and conditions, and may be revised from time to time. Please refer to the issuer's official terms and conditions for the latest details.
The following table outlines the key fees and charges associated with the HDFC Bank PIXEL Go Credit Card:
| Fee Type | Details |
|---|---|
Joining Fee |
Nil |
Renewal/Annual Fee |
Nil |
Fuel Surcharge |
1% waiver on transactions between ₹400–₹5,000; maximum waiver of ₹250 per statement cycle |
CashPoints Redemption |
Minimum 500 CashPoints required; redeemable as PayZapp wallet balance/brand vouchers (1 CashPoint = ₹1) |
Interest-Free Period |
Up to 50 days from the date of purchase, subject to timely submission of the charge by the merchant |
Revolving Credit |
Available at a nominal interest rate; refer to the official Fees and Charges page for current rates |
Disclaimer: Fees and charges are indicative and may change at the issuer's discretion. Refer to the latest official schedule of charges and applicable terms before applying.
For Salaried Individuals
Age: 21 to 60 years
Minimum Monthly income: ₹12,000
Should be an Indian resident
For Self-Employed Individuals
Age: 21 to 65 years
Annual income (as per ITR): Above ₹6 lakh
Should be an Indian resident
FD-Backed Variant
No income proof or credit history required
Available exclusively via the HDFC Bank PayZapp mobile app against a linked Fixed Deposit
Keeping the necessary documents handy can help speed up the credit card application process. The following table outlines the commonly accepted proofs. Additional documents may be requested by HDFC Bank during verification.
| Identity Proof | Address Proof | Income Proof |
|---|---|---|
Passport |
Utility bill (electricity, water, gas, or telephone) |
Latest salary slips |
Aadhaar card |
Rental agreement |
Bank statements (last 3 months) |
Voter ID |
Passport |
Form 16 (if applicable) |
Driving licence |
Aadhaar card |
— |
PAN card |
Voter ID |
— |
Passport-size photograph |
— |
— |
Note: For the FD-backed variant, a linked Fixed Deposit substitutes the need for income documentation.
You can apply for the HDFC Bank PIXEL Go Credit Card online through Bajaj Markets by following these steps:
Click here to begin your application.
Enter the required details, such as your date of birth, mobile number, and occupation.
Verify your mobile number by entering the One-Time Password (OTP) sent to your registered number.
Review the pre-filled details, including your PAN, residential PIN code, email address, and income information.
Select the HDFC Bank PIXEL Go Credit Card from the available card options.
Click ‘Submit’ to complete and send your application for processing.
Card holders can understand how rewards are earned, tracked, and redeemed across different types of eligible transactions:
Eligible retail transactions earn 1% cashback in the form of PIXEL CashPoints. The reward rate applies without the need to select specific spending categories, subject to the card’s terms and exclusions.
Eligible transactions completed through the HDFC SmartBuy platform, including flights, hotels, and vouchers, may earn 5% cashback. The applicable reward rate and qualifying transactions are subject to the issuer’s terms.
Cardholders using the RuPay variant can earn 1% cashback on eligible UPI transactions. This allows UPI-based payments to qualify for applicable rewards.
PIXEL CashPoints can be viewed and redeemed through the Rewards section on the PIXEL homepage within the PayZapp app. A minimum balance of 500 CashPoints is required for redemption. The available points may be used to purchase eligible brand vouchers through the app.
PIXEL CashPoints remain valid for 2 years from the date of credit. Unredeemed points may expire after the applicable validity period.
Cardholders could receive up to 10% savings on eligible restaurant bills through Swiggy Dineout. The card also offers a 1% fuel surcharge waiver of up to ₹250 per statement cycle at eligible fuel stations across India, subject to the card’s terms and transaction conditions.
Disclaimer
Reviewer
Yes. The HDFC Bank PIXEL Go Credit Card is a lifetime free credit card.
For salaried applicants, the minimum gross monthly income requirement is ₹12,000. Self-employed applicants are required to have an annual Income Tax Return (ITR) of more than ₹6 Lakhs. Card approval is subject to the issuer's eligibility assessment and internal policies.
The PIXEL Go Credit Card offers a straightforward cashback structure, while the PIXEL Play Credit Card provides additional customisation features and category-based reward options, subject to applicable terms and conditions.
Yes. HDFC Bank offers an FD-backed variant of the HDFC Bank PIXEL Go Credit Card. Under this option, the credit limit is linked to an eligible Fixed Deposit, and income proof or prior credit history may not be required, subject to the lender’s eligibility criteria.
PIXEL CashPoints can be redeemed through the Rewards section on the PIXEL homepage in the PayZapp app. A minimum balance of 500 CashPoints is required for redemption. Eligible points can be redeemed for available brand vouchers, with 1 CashPoint equivalent to ₹1.
No. The HDFC Bank PIXEL Go Credit Card does not include complimentary airport or railway lounge access.
Yes. The card offers a 1% fuel surcharge waiver on eligible fuel transactions between ₹400 and ₹5,000 at fuel stations across India. The waiver is capped at ₹250 per statement cycle and is subject to the issuer's applicable terms.
Yes. Eligible purchases or the outstanding card balance may be converted into EMIs through the PayZapp app, subject to HDFC Bank's eligibility criteria, applicable charges, and terms.
If your card is lost or stolen, you can report it to HDFC Bank immediately through its customer support channels. Once the loss is reported, protection against unauthorised transactions may apply in accordance with the bank's lost card liability policy.
The HDFC Bank PIXEL Go Credit Card is available on the Visa network for the physical card and the RuPay network for the UPI-enabled virtual card, enabling eligible card transactions across supported payment channels.
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