HDFC Pixel Credit Card – Detailed Overview (2025)
The HDFC Pixel Credit Card is a newly introduced offering from HDFC Bank that caters to the lifestyle and digital needs of modern-day customers. This card blends the benefits of rewards, travel, and premium experiences, making it ideal for individuals who frequently shop online, travel, and dine out. It’s designed with a tech-forward approach, offering flexibility and convenience.
Main Features and Advantages
Welcome Gift
When you start using the HDFC Pixel Credit Card, you are welcomed with reward points worth 2,500, provided you spend ₹1,00,000 within the first three months. You may also get a complimentary membership to services like Zomato Gold or other partner lifestyle brands, depending on ongoing promotions.
Reward Points System
Cardholders earn five reward points for every ₹150 spent on most purchases, except specific transactions like fuel, insurance payments, rent, and wallet reloads. Additionally, there are opportunities to earn accelerated rewards—up to 10X—when spending through HDFC’s partner merchants like Swiggy, Flipkart, Uber, and Zomato.
Airport Lounge Access
Frequent flyers benefit from complimentary access to domestic and international airport lounges. The card allows eight free entries to domestic lounges and three complimentary visits to international lounges annually through Priority Pass.
Fuel Benefits
Using this card for fuel purchases brings a 1% waiver on fuel surcharge, applicable to transactions ranging between ₹400 and ₹5,000. This is particularly useful for regular commuters.
SmartBuy Perks
The SmartBuy portal, a dedicated platform by HDFC, offers extra value. When you use this card on SmartBuy for booking hotels, flights, or shopping, you can earn significantly more reward points—up to 10X—depending on the offer.
Dining Discounts
HDFC Pixel users enjoy up to 20% savings at select restaurants across India. The card is a part of the Good Food Trail Dining Program, ensuring you get exclusive benefits at premium dining locations.
Annual Spending Milestones
To reward loyal users, the card includes annual milestone bonuses. Spending ₹5 lakh in a year earns you 5,000 bonus reward points, while spending ₹8 lakh gets you an additional 10,000 points, adding great value if you use your card regularly.
Security & Protection
If your card is lost or stolen, you are protected from liability as long as the loss is reported promptly. HDFC provides complete fraud protection for reported cases.
Fees and Charges Summary
The HDFC Pixel Credit Card carries an annual fee of ₹1,500 plus taxes. This fee is waived if your total annual spending crosses ₹3 lakh. The card has an interest rate of 3.6% per month on outstanding balances. For international usage, a 2% foreign currency markup applies. Cash withdrawals come with a charge of 2.5% or ₹500, whichever is higher. Late payments incur penalties based on the unpaid balance.
Who is Eligible?
To apply for the HDFC Pixel Credit Card, applicants must be between 21 and 60 years old if salaried, or up to 65 years if self-employed. A stable income and a strong credit history, preferably with a credit score above 750, increase the chances of approval. Existing HDFC customers may enjoy a smoother application process.
Top 10 Frequently Asked Questions (FAQs)
1. Is this card ideal for travelers?
Yes, it offers lounge access and travel booking rewards through SmartBuy, making it traveler-friendly.
2. Can the annual fee be waived?
Yes, the annual fee is waived if you spend ₹3 lakh or more in a year.
3. How are reward points calculated?
You earn five points per ₹150 spent, with up to 10X points on select partners.
4. Can points be used for travel bookings?
Yes, you can redeem points for flights and hotels via the SmartBuy platform.
5. Is there any benefit for fuel spending?
Yes, you get a 1% fuel surcharge waiver on eligible fuel transactions.
6. Are there airport lounge benefits?
Yes, the card provides access to both domestic and international airport lounges.
7. What is the interest rate on outstanding dues?
The monthly interest rate is 3.6% if dues are not paid in full.
8. How can I apply for the card?
Applications can be made online through HDFC’s website or at a branch.
9. Can I get add-on cards?
Yes, you can request free add-on cards for your immediate family members.
10. Is it a lifetime free card?
No, but you can avoid the annual fee by reaching the minimum annual spend requirement.
