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Credit Cards · India

HDFC Bank PIXEL Go Credit Card

Updated 3 Jul 2026Source-linked

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.

HDFC Bank logo
HDFC Bank PIXEL Go Credit Card
RuPay logo
  • Joining Fee₹250
  • Annual Fee₹250
  • Best Suited ForCashback
  • Reward TypeCashback
Rewards Rate
  • 5% on smartbuy (cap 500 cashback inr / monthly)
  • 1% on upi spends (cap 500 cashback inr / monthly)
  • Base 1.00% on other spends
Welcome Benefits
  • Joining fee waiver
HDFC Bank logoHDFCRuPay logoentry
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Rewards and Benefits

Rewards Rate
5% on smartbuy (cap 500 cashback inr / monthly)
1% on upi spends (cap 500 cashback inr / monthly)
Base 1.00% on other spends.
Reward Redemption
Redeem at ₹1 per unit.
Welcome Benefits
Joining fee waiver
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
Up to 25% off via Dineout Pay
Golf
N/A
Insurance Benefits
N/A
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).

Fees & Charges

Spend-Based Waiver
₹50,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000, capped at ₹250 per statement.
Cash Advance Charges
N/A

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

Pros
  • Annual fee waivable on ₹50,000 spend.
  • Accelerated earn worth ≈5.0% on smartbuy.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Welcome benefit

  • Joining fee waiver
    Spend ₹10,000 within 90 days of issuance
    Window: 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

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.

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