HDFC Bank
VISA•••• •••• •••• 4242
HDFC Bank PIXEL Go Credit Card
HDFC Bank PIXEL Go Credit Card
HDFC Bank
Annual Fee
FREE
Effective Rate
1.00%
Network
VISA
Point Value
₹1.00/pt
About HDFC Bank PIXEL Go Credit Card
1% cashback on eligible txns; 5% SmartBuy cashback; 1% UPI. Fee waiver: ₹10K/90d (1st yr); ₹50K annual. Income from ₹12K/month. FD-backed option available. Dineout 10% off.
Best For
Pros & Cons
thumb_upPros
- check_circleLifetime free — no annual fee ever
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelForeign transaction fee applies on overseas spends
Reward Earning Structure
Each point is worth ₹1.00 — an effective return of 1.00% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 5% | 500 pts≈ ₹500 |
| All other spends | 1% | 100 pts≈ ₹100 |
Cashback is credited directly to your statement, reducing your outstanding balance. No redemption required.
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹10,000 (LIFETIME)
First year fee waived on ₹10,000 spend in 90 days.
Spend ₹50,000 (ANNUAL)
Renewal fee waived on ₹50,000 annual spend.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the HDFC Bank website.
| Annual Fee | Lifetime Free |
| Forex Markup | As per issuer schedule |
| Min. Income Required | ₹1,44,000 per year |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: ₹1,44,000
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about HDFC Bank PIXEL Go Credit Card.
Ready to apply for HDFC Bank PIXEL Go Credit Card?
Apply directly on the HDFC Bank website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.