Starter cashback
HDFC Pixel Go Credit Card
HDFC’s entry digital card: 1% back on almost everything including UPI, 5% on SmartBuy, and an easy fee waiver.
Joining fee₹250 + GST
Annual fee₹250 + GST
Fee waiverOn ₹50,000 spend a year
Top reward5% on SmartBuy
LoungeNone
Forex markup3.5%
Best for: First-time card users who want a simple 1% card that also works on UPI.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| HDFC SmartBuy (flights, hotels, vouchers and more) | 5% as CashPoints | 500 CashPoints a month |
| UPI on the RuPay card | 1% | 500 CashPoints a month |
| Other spends (₹100 or more) | 1% as CashPoints | No cap |
| Fuel, rent, wallet loads, government, EMI, gift cards, online gaming | Nothing | – |
- 1 CashPoint = ₹1 when moved to PayZapp (minimum 500).
- CashPoints are valid for 2 years.
Benefits
Welcome benefit
- Joining fee refunded on ₹10,000 spend in the first 90 days.
Milestones
- Renewal fee waived on ₹50,000 yearly spend.
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver on ₹400 to ₹5,000, up to ₹250 a cycle.
- Forex markup 3.5%, plus 1.75% on rupee payments to foreign merchants.
Other perks
- Managed fully in the PayZapp app
- RuPay card works on UPI
Fees and charges
| Joining fee | ₹250 + GST (₹295), refunded on ₹10,000 spend in 90 days |
|---|---|
| Annual fee | ₹250 + GST, waived on ₹50,000 yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 21 to 60, ₹12,000 a month
- Self-employed: age 21 to 65
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Very low fee and easy waiver
- 1% on UPI
- CashPoints worth ₹1
Watch out for
- UPI and SmartBuy capped at 500 a month
- No lounge or travel perks
- No statement credit option
Recent changes
- 15 May 2026Currency conversion fee on rupee payments abroad raised from 1% to 1.75%.
- 1 Jul 2025Online gaming stopped earning; new fees on rent, large wallet loads and utilities.
Frequently asked questions
Pixel Go or Pixel Play?
Pixel Play costs ₹500 and gives 5% on two chosen categories; Pixel Go costs ₹250 and gives a flat 1%. Pick Go if you mainly want a cheap starter card.
Ready to apply for the HDFC Pixel Go Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.