HDFC Bank PIXEL Go Credit Card

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.

Verified · PIXEL Go Credit Card product page · 2026-08-02 · source

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• Not applicable if previous month's balance not cleared in full or if cash withdrawn from ATM.

Verified · harvested from product page · 2026-08-02 · source

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.

Verified · harvested from product page · 2026-08-02 · source

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.

Verified · Terms & Conditions / Rewards T&C – HDFC Bank PIXEL Go Credit Card (CashPoints Proposition) · 2026-08-02 · source

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.

Verified · Terms & Conditions / Rewards T&C – HDFC Bank PIXEL Go Credit Card (CashPoints Proposition) · 2026-08-02 · source

Reward exclusion

Verified · Terms & Conditions / Rewards T&C – HDFC Bank PIXEL Go Credit Card (CashPoints Proposition) · 2026-08-02 · source