Terms & Conditions – HDFC Bank Pixel Go Credit Card

CashPoints Proposition

• CashPoints will be awarded in the customer’s rewards account under the reward points scheme.
• The CashPoints will be processed as per the following table:

Spends on CashPoints Maximum CashPoints per cycle

• * CashPoints will not be accrued for the following spends/transactions on the card,
o Fuel Spends
o Wallet Spends
o Rent payments
o Government related transactions
o EMI Transactions
o Purchases converted to EMI post facto
o Cash Advances
o Payment of Outstanding Balances
o Payment of card fees and other charges

• **Offer is valid on successful transactions completed on SmartBuy under categories IGP, Flights, Hotels, Bus,
Rail, Instant Vouchers, Apple Imagine Tresor.

• For eg: If the cardholder spends ₹20,000 in calendar month cycle with following break up of spends.

o Spends eligible for CashPoints: ₹15,000 | Excluded Spends: ₹1,000 | Fuel Spends: ₹3,000 | EMI
Purchase: ₹1,000
o Out of these Fuel spends won’t be rewarded with CashPoints. But the Cardholder will get 1% Fuel
surcharge waiver for the eligible transactions.
o Thus, the total spends eligible for CashPoints would be only ₹15,000

The CashPoints earned for the month in the above example would be calculated as follows:

1% CashPoints of ₹15,000 = 150

1% Unlimited CashPoints – Terms & Conditions

• The CashPoints will be posted in the reward points balance once the merchant settles the transaction.
• The transaction settled from the merchant will be eligible for CashPoints, and the settlement/Posting date of
the transaction will be considered for points calculation.
• CashPoints will not be accrued for the following spends/transactions on the card,
o Fuel Spends
o Wallet Spends/ Gift or Prepaid Card load/ Voucher purchase**
o Rent payments
o Government related transactions
o EMI Transactions
o Purchases converted to EMI post facto
o Cash Advances
 o Payment of Outstanding Balances, card fees and other charges

• CashPoints will be calculated and posted on the lowest rounded integer. For example, Rs 140 transaction will
get calculated as (140*1% = 1.4 CashPoints = 1 CashPoint (rounding down towards the lowest integer).
Fractional CashPoints will not get accrued.
• CashPoints is not applicable on transactions less than ₹100.
• The CashPoints for Insurance Spends will be capped at 2,000 CashPoints per day.
• In case the purchase/ transaction is returned/ cancelled/ reversed. Then, the CashPoints accrued on those
transactions will be reduced from the overall points balance.
• In case of conversion of a transaction to EMI at a later date, CashPoints earned on such transaction will be
reversed from the available CashPoints balance.
• In case the available CashPoints balance is negative for two consecutive statement months. Then, the negative
CashPoints will be charged back into the card account at 1 CashPoint = ₹1.
• A cardholder will not be eligible for CashPoints on the prepaid card/gift Card/ wallet load and voucher
purchases. i.e., the transactions carried out through the Merchant Category Code (MCC) of 6540 (as defined
by card networks Visa) will not be considered.
• The following MCCs have been excluded from CashPoints eligibility (fuel, rental payments, Government
related, or any such payments made through following MCCs): 1361, 5172, 5541, 5542, 5983,9752, 6513,
7349, 9211, 9222, 9223, 9311, 9399, 9402, 9405, 9950.
• The promised CashPoints in the app indicate the tentative points earned for the unsettled transaction. Actual
eligible CashPoints will be added to the rewards balance post-settlement of the transaction.

Other Benefits –Terms & Conditions

• 1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000
& Maximum waiver of ₹250 per statement cycle). The surcharge rate may vary depending on the fuel station
and their acquiring Bank. Taxes as applicable shall apply further. In any case, the Bank shall only give a
maximum waiver of 1%.
• Save up to 25% on restaurant bills using the HDFC Bank Pixel Go credit card via Dineout Pay. The Cardholder
can earn a maximum of ₹300 per month. The stated offer is valid till 31st December 2024.

SmartBuy Spends- Terms & Conditions

• A cardholder will be eligible for 5% Cashback if he/she does a transaction through SmartBuy
(Maximum ₹500 Cashback can be earned in a calendar month). All other existing SmartBuy Terms and
conditions will be applicable.
• Offer is valid on Successful Transactions completed on SmartBuy under categories IGP, Flights, Hotels, Bus,
Rail, Instant Vouchers, Apple Imagine Tresor in SmartBuy. This Offer is not valid on offers given by individual
merchants under offers section.
• Applicable for Full payment across all categories (on Flights / Hotels / Bus / Rail/ Instant Vouchers / Apple
Imagine Tresor in SmartBuy)
• Cashback will be awarded in the customer’s credit card account under the cashpoints scheme.
• SmartBuy cashback cannot be clubbed up with the 1% merchant cashbacks being offered on the card.
• Customer will not be eligible for SmartBuy benefit in case of loan pre-closure
• No two programs can be combined or benefits of two programs are combined at any point in time, for
transactions done on the SmartBuy website or pages thereof, associated with the program.
• Card Holder/s whose account has been classified as delinquent before or during the Program will not be
eligible for cashback.
• Cashback is applicable only if HDFC Bank Pixel Go Credit card is used to complete payment. Wallet load using
HDFC card or Cash on Delivery options are not eligible under this offer.
• Returned purchases, disputed or unauthorized/fraudulent transactions, Smart EMI’s and Card Account Fees
will not be considered.
• This offer is non-encashable, not extendable and non-negotiable.
• If a card member has more than 1 (one) HDFC Bank Credit Card, spends on the cards cannot be clubbed by the
card member in order to qualify for the said offer.
• HDFC Bank is not liable for any delay, non-delivery or shortfall or deficiency or unsatisfactory service/product
provided by any participating parties/sponsors.
• Pictures in the communication are representative and the actual product may differ.
• This offer is non-transferable to any other person.
• Any Government levies/taxes like Sales Tax, TDS, gift tax, road tax, any Local Tax, etc. arising out of the same
will be borne by the Pixel Go Credit card customer.

CashPoints Redemption –Terms & Conditions

• The redemption of the CashPoints will be at the rate of 1 CashPoint = ₹1 PayZapp Cash points
• The CashPoints will be transferred to the PayZapp Cashpoints account post placing the redemption request in
the app.
• The minimum CashPoints balance required for redemption is 500 CashPoints.
• Unredeemed CashPoints will expire/lapse after two years of accumulation.

For more/ latest product information, Most Important Terms & Conditions & Card Member Agreement, always
refer to the product page on the bank website www.hdfcbank.com.

• For quick access to Most Important Terms & Condition, please click here
• For quick access to Card Member Agreement, please click here

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