The HDFC Pixel Credit Card is gaining popularity for its smart cashback, mobile-first features, and tie-up with Google. But did you know you can also get pre-approved for this credit card? In this post, we’ll walk you through the exact steps to check and get pre-approved for HDFC Pixel Credit Card easily.
What Does “Pre-Approved” Mean?
A pre-approved credit card offer means that HDFC Bank has already checked your eligibility based on your past banking relationship, credit score, or income profile. It usually means:
- Faster approval
- Minimal documentation
- No hard credit inquiry upfront
Benefits of Getting Pre-Approved
- No paperwork – Apply online in minutes
- Higher chance of approval – Pre-screened by HDFC
- Instant virtual card – Start using it immediately
- Possible fee waivers – Depending on your profile
Step-by-Step Guide to Get Pre-Approved HDFC Pixel Credit Card
Step 1: Visit HDFC Bank’s Official Website
Go to the HDFC Bank credit card page and look for the Pixel Credit Card section. You can also check for offers using the HDFC MyCards portal or net banking if you are an existing customer.
Step 2: Check “Pre-Approved Offers”
Under the credit cards section, click on “Check Pre-Approved Offers.” Enter your registered mobile number or customer ID.
Step 3: Enter OTP for Verification
You’ll receive a One Time Password (OTP) on your registered mobile number. Enter it to proceed.
Step 4: View Your Offer
If you're eligible, you’ll see a pre-approved offer for the Pixel Credit Card or other cards. Review the card details, benefits, and charges.
Step 5: Complete KYC (Know Your Customer)
Click on “Apply Now” and complete a quick KYC process. You may be asked to:
- Upload Aadhaar and PAN
- Verify address with OTP
- Complete a short video KYC call
Step 6: Get Instant Digital Card
Once approved, your Pixel Credit Card will be generated instantly in digital form. You can start using it right away for online purchases or add it to Google Pay.
Who is Eligible for Pre-Approval?
You are more likely to get pre-approved if:
- You already hold a HDFC savings account or credit card
- You have a high credit score (700+)
- You have a stable monthly income
- You receive salary in an HDFC account
Tips to Improve Your Chances of Pre-Approval
- Keep your credit score clean
- Pay all your EMIs and credit card bills on time
- Maintain a good average monthly balance in your HDFC account
- Avoid multiple credit card applications at the same time
Frequently Asked Questions (FAQ)
1. Is pre-approval guaranteed approval?
No. It means you have high chances, but final approval depends on your KYC and verification.
2. Does pre-approval affect my credit score?
Not usually. HDFC uses a soft check that does not impact your credit score.
3. Can I get the Pixel Credit Card without pre-approval?
Yes, you can apply directly, but pre-approval increases your chances and speeds up the process.
4. How will I receive the card?
You get a virtual card instantly, and a physical card will be delivered in a few days.
5. What if I don’t get a pre-approved offer?
You can still apply manually on the HDFC website. You might be asked to submit income proof or additional documents.
Final Thoughts
Getting a pre-approved HDFC Pixel Credit Card is quick, easy, and convenient. It saves time, reduces paperwork, and helps you start using the card almost instantly. If you're eligible, take advantage of the offer and enjoy cashback, smart rewards, and a digital-first experience.
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