HDFC Pixel Go Credit Card by HDFC Bank — Credit Card Image
HDFC Bank Review Verified: 2026-08-24

HDFC Pixel Go Credit Card

4.1 / 5.0 Rating
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#digital #rewards

Fees

₹250 + Taxes

Joining & annual

Reward Rate

1% unlimited cashback on all spends, no monthly cap; 5% on HDFC SmartBuy, capped 500 pts/month; 1% on UPI RuPay spends, capped 500 pts/month

Welcome Bonus

500 PayZapp CashPoints on card setup & fee payment

Lounge

No Lounge Access

Overview Perks & Milestones Fees & Interest Insurance Eligibility FAQs Compare

Our Expert Take

The HDFC Pixel Go Credit Card offers flexible EMI conversion via PayZapp, digital card controls, and annual fee of ₹499 + Taxes waived on ₹50,000 spend.

Reward limits

Checked 11 Oct 2026 · Bank terms

  • 5% on HDFC SmartBuy

    Max 500 CashPoints per month

    Reached after about ₹10,000 of spend

  • 1% on all other spends

    No limit

Pros & Cons

Key Advantages

  • 5% cashback on HDFC SmartBuy bookings, capped at 500 points/month
  • Digital card issuance with customizable widget controls in PayZapp
  • Low fee waiver threshold of ₹50,000 annual retail spends
  • 1% fuel surcharge waiver across all fuel stations

Limitations

  • Base rate is 1% uncapped cashback; higher tiers apply only to SmartBuy and UPI RuPay spends
  • No airport lounge access benefits
  • Designed primarily around EMI flexible payments rather than high cashback

Key Perks & Spending Milestones

1% unlimited cashback on all spends, no monthly cap

5% cashback on HDFC SmartBuy bookings, capped at 500 points/month; 1% cashback on UPI RuPay spends, capped at 500 points/month

Digital-first card management, instant card issuance & card locking controls via PayZapp

Up to 50 days of interest-free credit period

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000

Spend milestone

Annual fee waived on retail spends of ₹50,000 in a membership year

Fees & Charges

Joining fee

₹250 + Taxes

Annual fee

₹250 + Taxes

Annual fee waived on ₹50,000 annual retail spends

Interest rate

3.6% per month (43.2% per annum)

Late payment fee

Up to ₹500
Nil
₹501 to ₹1,000
₹500
₹1,001 to ₹5,000
₹600
₹5,001 to ₹10,000
₹750
₹10,001 to ₹25,000
₹900
₹25,001 to ₹50,000
₹1,100
Above ₹50,000
₹1,300

Insurance & Protection Benefits

air accident cover

Nil

lost card liability

Up to ₹50,000

purchase protection

Nil

emergency medical cover

Nil

Eligibility Criteria

salaried minimum income

₹15,000 per month

self employed ITR

₹6 Lakh per annum

age

21 to 60 years

Credit score & income

Good (700+)

Frequently Asked Questions

What's the base cashback rate on HDFC Pixel Go?
1% unlimited cashback on all spends with no monthly cap, plus 5% on HDFC SmartBuy bookings and 1% on UPI RuPay spends, both of the latter capped at 500 points per month.
Is HDFC Pixel Go good for EMI conversion?
Yes, it supports instant PayZapp app-based purchase-to-EMI conversion, making it useful for financing larger purchases.
Does Pixel Go have lounge access?
No, this is a low annual fee digital-first card without lounge benefits.
How low is the fee waiver threshold on Pixel Go?
Just ₹50,000 in annual retail spends — one of the more accessible waiver thresholds among HDFC's cards.

Compare HDFC Pixel Go Credit Card With Similar Cards

Card Annual Fee Reward Rate Lounge Access Rating
HDFC Pixel Go Credit Card This Card ₹250 + Taxes 1% unlimited cashback on all spends, no monthly cap; 5% on HDFC... No Lounge Access 4.1/5
Tata Neu Infinity SBI Card ₹1,499 + Taxes 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr 4.7/5
American Express Membership Rewards® Credit Card ₹1,000 + Taxes 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... No Lounge Access 4.6/5
IDFC FIRST Business Multiplier Credit Card ₹2,999 + Taxes 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... 8/yr Domestic + International (₹20K Spend) 4.6/5

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