CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

HDFC Pixel Go Credit Card

45
Ranked #39 of 170 in credit
creditVisa/RuPay (RuPay needed for UPI cashback)Entry-level digital

Fully digital HDFC entry-level cashback card via PayZapp, offering genuinely unlimited 1% cashback on all eligible spends plus 5% on SmartBuy (capped), at one of the lowest fees (Rs 250) in HDFC lineup — also available FD-backed for credit-invisible applicants.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value36/100 · weight 71%
≈ 1.77% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +3.0% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent. Reward score is scaled by ×(1 − 2.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency98/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks1/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹250 + 18% GST
= ₹295 total
Annual fee
₹250 + 18% GST
= ₹295 / year total
Waiver: Joining fee waived on Rs 10,000 spend within first 90 days; annual renewal fee waived on Rs 50,000 spend in previous membership year
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
online_spendscashback3%——
diningcashback3%——
travelcashback1%——
groceriescashback1%——
fuelcashback1%——
all_spendscashback1%—Genuinely unlimited 1% cashback, no monthly cap on this base rate — unusual for HDFC

Welcome offer

No distinct welcome bonus/voucher — benefit is the fee-waiver structure itself

Milestone benefits

Pros

  • Genuinely unlimited 1% cashback with no monthly cap (rare — most flat-cashback cards cap this), very low Rs 250 fee with easy waivers, FD-backed variant needs no income proof/credit history, fully digital via PayZapp with instant issuance, works well as a gap-filler alongside a category-specific primary card, UPI-eligible on RuPay variant

Cons

  • 5% accelerated rate locked to HDFC SmartBuy only and capped at 500 CashPoints/month, no lounge access or premium perks, standard HDFC exclusions (fuel, wallet reload, rent, government, EMI, cash advances) earn nothing, insurance spends capped at 2,000 points/day

What's inside

More benefits

  • Swiggy Dineout discount

    ₹0

    Up to 25% off at 20,000+ listed restaurants via Good Food Trail

    unlimited.

Insurance cover

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₹NaN

Eligibility

text
Age 21-60 (salaried) / 21-65 (self-employed), income Rs 12,000/month+ or ITR Rs 3 lakh+/year (one source cites Rs 3L); also available as FD-backed secured card (FD from Rs 15,000, limit up to 90% of FD, no income proof needed)

Small print

Fuel surcharge:1% fuel surcharge waiver, Rs 400-5,000 transactions, capped Rs 250/statement cycle; not applicable on UPI payments