HDFC Pixel Go
Annual Fee
₹250
Rewards/₹100 ⓘ
₹1.00 - ₹3.00
Interest Rate
42.00%
Credit Score
650+
Quick Details
Reward Structure
SmartBuy
UPI Spends (RuPay only)
All Spends
Reward Calculator
Milestone Benefits
Joining fee waiver on Rs 20,000 spend within 90 days
Spend ₹20,000 within 90 days
value
Insurance Coverage
Lost Card
₹0
Zero liability.
Fraud
₹0
Zero liability.
Lifestyle Perks
Dining
1% fuel surcharge waiver on Rs 400-5000, capped at Rs 250/cycle
Category Rankings
See how this card performs in different spending categories compared to other cards.
Quick Analysis
HDFC Pixel Go is a simple entry-level digital credit card for beginners. With low fees and 1% unlimited cashback, it is perfect for first-time credit card users looking for simplicity.
Pros
- 5% cashback on SmartBuy
- 1% unlimited cashback on all other spends
- 1% on UPI spends (RuPay variant)
- Very low annual fee of Rs 250
- Fee waiver at Rs 1L spend
- Digital-first card via PayZapp app
- Instant digital card issuance
- Up to 25% off via Swiggy Dineout
- 1% fuel surcharge waiver (capped Rs 250/cycle)
- One-click EMI conversion from PayZapp
- Low income requirement (Rs 12K/month)
Cons
- Lower reward rates than Pixel Play
- 5% only on SmartBuy platform
- No airport lounge access
- Higher forex markup of 3.5%
- No rewards on fuel, rent, EMI, wallet, govt spends
- Min 500 CashPoints for redemption
- No rewards on transactions below Rs 100
Best For
First-time card users, beginners, low-income earners
Not Ideal For
High spenders, travelers, those seeking premium rewards
Frequently Asked Questions
What are the fees for HDFC Pixel Go Credit Card?
What is the eligibility criteria for HDFC Pixel Go Credit Card?
What rewards does HDFC Pixel Go Credit Card offer?
Does HDFC Pixel Go Credit Card offer airport lounge access?
How can I apply for HDFC Pixel Go Credit Card?
User Reviews
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