HDFC Bank PIXEL Go Credit Card

HDFC Bank · Open to apply

HDFC's entry-level digital cashback card, run from the PayZapp app: 1% CashPoints on eligible spends, 5% on SmartBuy and 1% on UPI for the RuPay card, with a ₹250 fee waived at ₹10,000 in 90 days and ₹50,000 a year. The lower-income sibling of PIXEL Play, without the choice of 5% and 3% brand tiers.

Annual fee
₹250 + GST a year
Joining fee
₹250 + GST
Fee waiver
Annual fee waived on ₹50,000 spend per card year
Base rate
1% on all other spends: 1 PIXEL CashPoints per ₹100 (about 1% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • SmartBuy flights, hotels, bus, rail and instant vouchers, 5%: 5 PIXEL CashPoints per ₹100 (about 5% at cash value)
  • SmartBuy at IGP and Apple (Imagine Tresor), 5%: 5 PIXEL CashPoints per ₹100 (about 5% at cash value)

Earns nothing on

  • No CashPoints on fuel
  • No CashPoints on wallet loads, gift or prepaid card loads and voucher purchases (MCC 6540)
  • No CashPoints on rent or government-related payments
  • No CashPoints on EMI, including purchases converted to EMI later
  • No CashPoints on online skill-based gaming (from 1 October 2025)

Where the sources disagree

  • joining and annual fee: The product page banner says "Enjoy your card Lifetime Free", while the page's Fees & Charges section and FAQ and the PIXEL MITC give ₹250 + GST with a waiver on ₹10,000 in 90 days and ₹50,000 a year. The ₹250 with waivers is used.
  • cap on the 1% category: The Go T&C (22 December 2025) and the microsite say the 1% category is unlimited; the PIXEL MITC ("Fair Usage Policy as of Oct'25") caps it at 15,000 CashPoints a month for PIXEL Play and PIXEL Go. The cap is used.
  • insurance cap period: The Go T&C says insurance CashPoints are capped at 2,000 "per day"; the PIXEL MITC says 2,000 a month from 1 October 2025. The MITC is used.
  • Dineout offer: The Go T&C describes a "save up to 25% via Dineout Pay, ₹300 a month" offer valid till 31 December 2024; the product page and microsite describe up to 10% via Swiggy Dineout, valid to 31 December 2026.

Terms the calculator does not value

  • CashPoints are worth ₹1 only inside PayZapp (wallet and brand vouchers); there is no statement-credit or travel redemption. The minimum balance to redeem is 500 CashPoints.
  • The FD-backed version of this card (no income proof, credit limit 90% of an FD of ₹15,000 to ₹55,000) earns the same rewards; the calculator values the unsecured card.
  • Groceries, utilities and telecom: the general MITC's monthly caps (clause m, "Reward Points earned on Grocery transactions will be capped per month to ... 1000 reward points for the rest of the cards", from 1 January 2023; clause n, utility and telecom "capped at 2000 Reward Points per calendar month", from 1 September 2024) are not applied. The PIXEL cards have their own "KEY FACT STATEMENT CUM MOST IMPORTANT TERMS & CONDITIONS FOR PIXEL CREDIT CARDS" (s3; also printed in MITC v4.15), whose Reward Points section caps only insurance ("W.e.f 1st Oct 2025 CashPoints / Reward points accrued for insurance transactions will have a maximum cap of 2000 per month") and the 1% category (Fair Usage Policy, 15,000 CashPoints a month), with no grocery, utility or telecom cap; and clauses m and n speak of "Reward Points" only, where the MITC writes "Reward Points/CashPoints" when it means both. Grocery, utility and telecom spend earn the base 1% inside the 15,000 cap.

Sources

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