Annual Fee
₹250
Rewards/₹100 ⓘ
₹1.00
Interest Rate
45.00%
Credit Score
700+
Key Benefits
1% cashback, 5% SmartBuy, UPI rewards, dining perks
Lounge Access
No lounge access available
Eligibility
Min income Rs. 8,000/month, age 21-60, CIBIL 700+
The HDFC Pixel Go Credit Card is a solid entry-level cashback card for beginners. With its low Rs. 250 annual fee, 1% unlimited cashback, and easy fee waiver conditions, it provides good value for everyday spends. The digital-first approach via PayZapp and FD-backed option make it accessible even for those new to credit. However, it falls short on premium features like lounge access and international benefits.
Best For
First-time credit card users, students, and beginners looking for a simple cashback card with low fees and digital-first experience via PayZapp
Not Ideal For
Frequent travellers needing lounge access, premium card seekers, users wanting high reward rates on specific categories, or those who prefer physical card management
All Spends
Online
UPI Spends (RuPay only)
Dining
Insurance Spends
Partner
Partner
Partner
Partner
Redeem your points for cashback, travel, and more
PayZapp Wallet
Minimum 500 CashPoints required. CashPoints transferred to PayZapp CashPoints balance for brand voucher purchases.
SmartBuy
Use CashPoints via PayZapp for SmartBuy travel bookings including flights, hotels, buses, rail
PayZapp Brand Vouchers
Redeem CashPoints to PayZapp wallet and purchase brand vouchers of your choice within PayZapp
Joining fee of Rs. 250 waived on spending Rs. 10,000 within 90 days of card issuance
Spend ₹10,000 within 90 days
value
Annual renewal fee of Rs. 250 waived on spending Rs. 50,000 or more in the preceding 12 months before renewal date
Spend ₹50,000 within 365 days
value
Note: Joining fee will be charged if card is closed within 90 days of issuance, regardless of any waiver offer
value
Dining
10.00% off
Save 10% on restaurant bill payments via Swiggy Dineout at 20,000+ restaurants
See how this card performs in different spending categories compared to other cards.
The HDFC Pixel Go Credit Card is a digital-first entry-level credit card designed for beginners and first-time cardholders. Launched exclusively through the HDFC Bank PayZapp app, it offers a fully digital onboarding experience with instant virtual card issuance upon approval.
With a low annual fee of just Rs. 250 and a straightforward 1% unlimited cashback on all eligible spends, the Pixel Go card provides a simple and rewarding way to start your credit card journey. It is part of HDFC Bank's Pixel credit card lineup, positioned as the more affordable option alongside the Pixel Play card.
The HDFC Pixel Go Credit Card is a digital credit card issued by HDFC Bank, available exclusively through the PayZapp mobile app. Key highlights include:
Earn 1% unlimited cashback on all eligible spends in the form of PIXEL CashPoints. Each CashPoint is worth Rs. 1 and can be redeemed via the PayZapp app. There is no monthly cap on the base 1% cashback earning.
Get 5% cashback on transactions through the HDFC SmartBuy platform, including flights, hotels, bus and rail bookings, instant vouchers, and Apple Imagine Tresor. SmartBuy cashback is capped at 500 CashPoints per calendar month.
Earn 1% cashback on UPI transactions made using the Pixel Go RuPay credit card. UPI cashback is capped at 500 CashPoints per calendar month. Link your card to third-party UPI apps like GPay, PhonePe, and Paytm.
Save up to 10% on restaurant bill payments via Swiggy Dineout at over 20,000 partner restaurants across India.
1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, with a maximum waiver of Rs. 250 per statement cycle.
Instantly convert purchases into flexible EMIs via PayZapp with the Pay-in-Parts feature. Choose from multiple tenure options with a 100% digital process.
Excluded transactions for fee waiver calculation include cash withdrawals. All other eligible card spends count toward the waiver threshold.
The HDFC Pixel Go Credit Card does not offer any complimentary domestic or international airport lounge access. It also does not provide railway lounge access or Priority Pass membership.
If lounge access is important to you, consider higher-tier HDFC Bank credit cards such as the Regalia, Infinia, or Diners Club cards.
The HDFC Pixel Go uses a CashPoints system where 1 CashPoint = Rs. 1. Cashback is earned as a percentage of eligible transaction amounts.
Fuel, wallet loads, gift card purchases, rent payments, government transactions, EMI, cash advances, and transactions below Rs. 100 do not earn CashPoints.
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 250 + GST (waivable on Rs. 10,000 spend in 90 days) |
| Annual Renewal Fee | Rs. 250 + GST (waivable on Rs. 50,000 annual spend) |
| Cash Advance Fee | 2.5% or Rs. 500, whichever is higher |
| Finance Charges | 3.75% per month (45% p.a.) |
| Late Payment Charges | Rs. 0 to Rs. 1,300 (based on outstanding balance) |
| Forex Markup | 3.5% of transaction value |
| DCC Markup | 1% on INR transactions at international locations |
| Over-Limit Fee | 2.5%, minimum Rs. 550 + GST |
| Card Replacement | Rs. 100 |
| Payment Return Charges | 2%, minimum Rs. 450 |
| Railway Booking | 1% + GST |
| Rent Payment | 1% per month, capped at Rs. 4,999/transaction |
| SmartEMI Processing | Rs. 199 + GST |
| EasyEMI Processing | Up to Rs. 299 |
| EMI Pre-Closure | 3% of balance principal outstanding |
| Reward Redemption | Rs. 99 + GST |
| Fuel (above Rs. 15,000) | 1%, capped at Rs. 4,999/transaction |
| Utility (above Rs. 50,000/month) | 1%, capped at Rs. 4,999/month |
No credit score or income proof required. Apply via the PayZapp app with a Fixed Deposit. Get up to 90% of your FD value as credit limit while earning interest on your FD.
A CIBIL score of 700 or above is recommended for smooth approval, though HDFC Bank does not disclose a specific minimum for this card.
No income proof documents required. An existing or new Fixed Deposit with HDFC Bank is needed.
The HDFC Pixel Go Credit Card is an excellent choice for beginners and first-time credit card users who want a simple, low-cost cashback card. Its standout features include the 1% unlimited cashback on all eligible spends, the easy fee waiver conditions (just Rs. 50,000 annual spend), and the fully digital experience via PayZapp.
The card is particularly appealing for those who use HDFC SmartBuy regularly, as the 5% cashback on that platform adds significant value. The RuPay UPI functionality is a bonus for users who prefer making payments via QR codes and UPI apps. However, the card lacks premium features like lounge access, travel insurance, and concierge services, making it unsuitable for frequent travellers or those seeking a premium experience. The high forex markup of 3.5% also makes it a poor choice for international transactions. Overall, for its Rs. 250 price point, the HDFC Pixel Go delivers solid value as a starter credit card.
Last updated: 31 January 2026
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