HDFC Bank PIXEL Go Credit Card
The HDFC Bank PIXEL Go Credit Card is a entry credit card from HDFC Bank, with a joining fee of ₹250 + GST.
It earns up to 5% on smartbuy spends in the form of cashback.
Welcome benefit: Joining fee waiver.
- Joining Fee₹250
- Annual Fee₹250
- Best Suited ForCashback
- Reward TypeCashback
- 5% on smartbuy (cap 500 cashback inr / monthly)
- 1% on upi spends (cap 500 cashback inr / monthly)
- Base 1.00% on other spends
- Joining fee waiver
HDFCentryRewards and Benefits
- Digital-first card — Fully digital onboarding and management via PayZapp; EMI conversion, EMI dashboard and rewards in one app. Contactless Tap & Pay, Swipe to Pay (OTP-free online) and Scan & Pay (UPI, RuPay variant).
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 1.0% = ₹150/mo
Online shopping — earns base; accelerated rate needs booking via smartbuy
- Groceries₹8,000 · 1.0% = ₹80/mo
- Dining & food delivery₹8,000 · 1.0% = ₹80/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 1.0% = ₹100/mo
- Utilities & bills₹5,000 · 1.0% = ₹50/mo
₹5,520 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- entry card issued by HDFC Bank.
- Joining / annual fee of ₹250 + GST, waived on annual spends of ₹50,000.
- Available on the RuPay network.
Pros & Cons
- Annual fee waivable on ₹50,000 spend.
- Accelerated earn worth ≈5.0% on smartbuy.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Welcome benefit
- Joining fee waiverSpend ₹10,000 within 90 days of issuanceWindow: 90 days from issuance.
Accelerated rewards
- 5% on smartbuy (cap 500 cashback inr / monthly)5% CashBack on eligible transactions via HDFC SmartBuy. Capped at 500 CashPoints per calendar month.
- 1% on upi spends (cap 500 cashback inr / monthly)1% Cashback on UPI spends (RuPay variant). Capped at 500 CashPoints per calendar month.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- emi
- insurance premiums
- government
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Other benefits
- Digital-first card. Fully digital onboarding and management via PayZapp; EMI conversion, EMI dashboard and rewards in one app. Contactless Tap & Pay, Swipe to Pay (OTP-free online) and Scan & Pay (UPI, RuPay variant).
Sources
- : www.hdfc.bank.in · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 700+
- Income (salaried)
- ₹1,44,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.
Salaried: Indian, age 21-60, monthly income ₹12,000. Self-employed: Indian, age 21-65, annual ITR > ₹6,00,000. An FD-backed variant is available with no credit score/income proof.