HDFC Bank
HDFC PIXEL Go Credit Card
Data last verified: 11 October 2026
- Joining fee₹250 + GST
- Annual fee₹250 + GST
- Reward rate1% on most spends; 5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹250 + GST
- Annual fee₹250 + GST
- Fee waiverOn ₹50,000 spend a year
- Forex markup3.5%
- Interest (APR)3.75% a month, 45% a year
Pixel Go keeps it simple. You earn 1% cashback on eligible spends with no category to track, and 5% on bookings through HDFC SmartBuy, capped at Rs 500 a month. It also offers a 25% dining discount through Swiggy Dineout and works on UPI.
The fee is only Rs 250 a year and it is waived at ₹50,000 of annual spend, a little over Rs 4,000 a month. For most users the card is effectively free.
It suits first-time card users, young earners and anyone who wants a low-cost card for daily spends. The catch is that 1% is a flat, modest rate. If you spend a lot on specific apps, a card with higher category cashback will return more.
Best for: First-time credit card users, Young earners, People who want one simple cashback rate.
01HDFC PIXEL Go Credit Card Rewards and Benefits
02HDFC PIXEL Go Credit Card Annual Fee and Charges
- Joining fee
- ₹250 + GST
- Annual fee
- ₹250 + GST
- Spend-based waiver
- Annual fee waived on ₹50,000 spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- 3.75% a month (45% a year)
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping only at HDFC SmartBuy, IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor: 5% back, up to ₹500 a month
- Spending ₹4,167 or more a month: the ₹295 fee is waived
Skip it if…
- you spend less than ₹4,167 a month (₹50,000 a year, rent and wallet loads not counted): the ₹295 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you rarely spend on HDFC SmartBuy, IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine Tresor: the 5% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
- you sometimes pay only the minimum due: interest of 3.75% a month (45% a year) outweighs any reward
04Product Details
- Joining and annual fee: ₹250
- Fee waived on ₹50,000 spend in a year
- 1% cashback on eligible spends
- 5% on HDFC SmartBuy, capped at ₹500 a month
- 25% dining discount through Swiggy Dineout
- UPI enabled
05Pros and Cons
Pros
- Very low fee that is easy to waive
- Flat 1% with nothing to track
- Works on UPI
- Low income requirement
Cons
- No high cashback categories apart from SmartBuy
- No lounge access
- SmartBuy bonus is capped at ₹500 a month
06How HDFC PIXEL Go Credit Card earns Rewards
1% on most spends; 5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate |
| Online shopping | 1% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 5% | ₹500 | Only at: HDFC SmartBuy, IGP, Flights, Hotels, Bus, Rail, Instant Vouchers, Apple Imagine TresorTerms: 5% cashback on SmartBuy purchases, capped 500 CashPoints a month |
| Dining and food delivery | 1% | No cap | The card's normal rate |
| Groceries | 1% | No cap | The card's normal rate |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | No cap | The card's normal rate |
| Rent | Earns nothing | - | earns nothing on this card |
| Insurance premiums | 1% | No cap | The card's normal rateTerms: the base rate's terms cap this category separately; the cap is not counted |
| School and college fees | 1% | No cap | The card's normal rate |
| Wallet top-ups | Earns nothing | - | earns nothing on this card |
| Taxes and government payments | Earns nothing | - | earns nothing on this card |
| Spend abroad or in a foreign currency | 1% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% unlimited cashback on all eligible spends (PIXEL CashPoints, 1 CashPoint = ₹1). No CashPoints below ₹100 a transaction. Insurance spends are capped at 2,000 CashPoints a day.
07HDFC PIXEL Go Credit Card Travel Benefits
Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver.
- Fuel surcharge waiver: 1% fuel surcharge waiver (₹400 to ₹5,000 per txn), capped ₹250/statement cycle
08HDFC PIXEL Go Credit Card Eligibility and Documents
- Age
- 21 to 60 years
- Minimum monthly income
- ₹12,000
09Recent Changes
What HDFC Bank changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 15 May 2026 | Reduced: Dynamic currency conversion markup raised to 1.75%Source: HDFC Bank | 1% markup | 1.75% markup |
| 1 Jul 2025 | Reduced: 1% fee added on rent, wallet loads and online gamingSource: HDFC Bank | No category surcharge on rent, wallet loads or gaming | 1% on rent (cap ₹4,999 per transaction); 1% on wallet loads and on online skill-based gaming above ₹10,000 a calendar month (cap ₹4,999 a month) |
| 1 Jul 2025 | Reduced: 1% fee on utilities above Rs 50,000 and on third-party education paymentsSource: HDFC Bank | No surcharge on utility or education payments | 1% on utility spends above ₹50,000 a calendar month (cap ₹4,999 a month); 1% on education paid through third-party apps |
| 1 Jul 2025 | Reduced: Insurance reward points capped, online gaming stops earningSource: HDFC Bank | Insurance uncapped on most cards; online skill-based gaming earned points | Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing |
| 14 May 2024 | Changed: PIXEL Go launched, entry-level flat-cashback digital cardSource: HDFC Bank | - | - |
See this card's change history → · All card changes in May 2026 →
10Cards Similar to HDFC PIXEL Go Credit Card
HDFC PIXEL Go Credit Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | HDFC PIXEL Go Credit Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹250 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹250 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 1% on most spends; 5% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | Not included | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
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Common Questions
Is the ₹250 fee waived?
Yes, once you spend ₹50,000 in a year. Below that the fee is charged.
How much cashback do I get?
1% on eligible spends and 5% on HDFC SmartBuy, up to ₹500 a month.
Who can apply?
Applicants aged 21 to 60 with a monthly income of about ₹12,000.
What is the joining fee for the HDFC PIXEL Go Credit Card?
The joining fee is ₹250 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the HDFC PIXEL Go Credit Card?
The annual fee is ₹250 + GST.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with HDFC Bank. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →
