HDFC Bank Pixel Go Credit Card benefits
- Rewards1%
cashback on eligible spends
with no monthly limit
- Rewards5%
cashback on SmartBuy
up to 500 CashPoints a month
- Rewards1%
cashback on UPI spends
up to 500 CashPoints a month
- Fees
Renewal fee waived on spends of ₹50,000 in a year
- Fuel1%
fuel surcharge waiver
up to ₹250 per statement cycle
Good to know
- Joining fee waived on spends of ₹10,000 in the first 90 days
HDFC Bank Pixel Go Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Online shopping5% cashback on HDFC Bank SmartBuy, up to 500 CashPoints a month. Left out of the maths because it applies only on SmartBuy. | 5% back | None |
| Everything else | 1% back | None |
No rewards on: Fuel and other spends listed in HDFC Bank's terms, such as wallet loads and rent.
All reward rules
- 1% cashback on all eligible spends, with no monthly limit, paid as CashPoints.
- Once you have 500 CashPoints, you can redeem them to the PayZapp wallet and buy brand vouchers there. CashPoints are valid for 2 years.
- 1% cashback on UPI spends, up to 500 CashPoints a month.
What the HDFC Bank Pixel Go Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 1% | ₹360 |
| Dining and food delivery | ₹2,000 | 1% | ₹240 |
| Online shopping | ₹18,000 | 1% | ₹2,160 |
| Travel | ₹1,000 | 1% | ₹120 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 1% | ₹240 |
| Everything else | ₹3,000 | 1% | ₹360 |
| Total | ₹30,000 | ₹3,480 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹3,480* |
HDFC Bank Pixel Go Credit Card annual fee and charges
- Joining fee
- ₹250
- Annual fee
- ₹250
- Fee waiver
- ₹50,000 a year
The joining fee is waived if you spend ₹10,000 in the first 90 days. The renewal fee is waived if you spend ₹50,000 or more in a year before renewal. Fees are before GST. The foreign currency markup is not shown here.
Fuel surcharge: 1% fuel surcharge waiver on transactions of ₹400 to ₹5,000, up to ₹250 per statement cycle.
HDFC Bank Pixel Go Credit Card eligibility
We could not confirm age and income limits from HDFC Bank's card page. HDFC Bank also offers Pixel cards against a fixed deposit, where it says no income proof is needed.
The bank alone decides approval and your credit limit.
HDFC Bank Pixel Go Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the HDFC Bank Pixel Go Credit Card right for you?
A card with a ₹250 fee that spending can waive, paying an above-average 1% on most spends.
Worth its fee if you spend about ₹3,000 a month or more. Below that, the ₹250 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend ₹50,000 a year or more (about ₹4,200 a month), so the ₹250 renewal fee is waived.
- It is your first credit card: the terms are simple and the fee is low or nil.
- You pay by UPI: it is a RuPay card you can link to UPI apps and use at shop QR codes.
Not for you if
- You spend less than about ₹4,200 a month: you would pay ₹295 a year with GST.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to HDFC Bank Pixel Go Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| HDFC Bank Pixel Go Credit Card | ₹250 | 5% | ₹3,240* |
| IDFC FIRST Hello Cashback Credit Card | ₹1,000 | 3% | ₹5,160* |
| slice UPI Credit Card | Free | 1% | ₹3,240* |
If most of your spending looks like the example above, the IDFC FIRST Hello Cashback Credit Card may suit you better: it would leave you ₹7,800 a year, against ₹3,480 with the HDFC Bank Pixel Go Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the HDFC Pixel Go Credit Card?
The joining and renewal fee is ₹250 before GST. The joining fee is waived on spends of ₹10,000 in 90 days, and the renewal fee on spends of ₹50,000 in a year.
Is the HDFC Pixel Go Credit Card lifetime free?
No. It has a ₹250 fee, which can be waived on the spends above.
How much cashback does the HDFC Pixel Go Credit Card give?
It gives 1% on eligible spends with no monthly limit, and 5% on SmartBuy up to 500 CashPoints a month.
How do I use Pixel Go cashback?
Once you have 500 CashPoints, you can redeem them to the PayZapp wallet and buy brand vouchers there.