HDFC Bank Pixel Go Credit Card
Cashback
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1st Year Fee: ₹250* Plus Applicable Taxes
Entry-level
Low annual fee of Rs. 250
Cashback
5% back on Smartbuy
Dining
Up to 25% savings
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About HDFC Bank Pixel Go Credit Card
HDFC Bank Pixel Go Credit Card is a digital card that offers cashback benefits at a low annual fee of Rs. 250. This card is a basic variant of the HDFC Pixel Cards, the other one being Pixel Play. In comparison to the Play variant that offers customizable multi-brand benefits, this card comes with a straightforward cashback structure. However, unlike most cashback credit cards in the market that offer accelerated returns on a particular category or brand, here the 5% cashback is restricted to the bank’s own platform—Smartbuy. For other spends, users earn a decent 1% flat rate. For Smartbuy loyalists and existing HDFC customers, who are familiar with the platform, this card can be a suitable option to maximize benefits across multiple categories like shopping, dining, travel, and more. Additionally, cardholders can take advantage of the multi-brand partnerships with popular brands like Bata, Myntra, BlinkIt, Croma, Reliance Digital, MakeMyTrip, Zoomcar, Yatra, EaseMyTrip, etc.
Furthermore, note that though the card is a good choice for such benefits on Smartbuy, it cannot be the only consideration to own the card. If you are willing to pay a comparatively high annual fee, you can earn accelerated benefits on Smartbuy spends along with benefits on travel and lifestyle on many other HDFC Bank credit cards as well. However, if you want such benefits at a low fee and you are satisfied with limited benefits on this card, you can stick to the HDFC Bank Pixel Go Credit Card.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.
Cashback Benefits:
- 1% unlimited cashback on all eligible transactions1-4
- 5% cashback on Smartbuy (500 points per month)
Eligible spends- IGP, Flights, Hotels, Bus,Rail, Instant Vouchers, Apple Imagine Tresor - 1% cashback on all UPI Spends (with RuPay variant- capped at 500 points per month)
- Cashback5 is credited in the form of PIXEL Cashpoints in the Payzapp wallet that can be used for the purchase of brand vouchers, at the rate of 1 CashPoint = Rs. 1 PayZapp Cash point
Other Features & Benefits:
- Up to 25% discount on partner restaurants via Swiggy Dineout
- 1% fuel surcharge waiver6 at all fuel stations across India (on minimum transaction of Rs. 400 & maximum transaction of Rs. 5,000 up to Rs. 250 per month)
- Joining fee waiver on spending Rs. 10,000 within 90 days of card issuance
- Annual fee waiver on spending Rs. 50,000 or more in the previous year
HDFC Bank Pixel Go : Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 250 | ||||||||||||||||||
| Annual Fee | Rs. 250 | ||||||||||||||||||
| Forex Markup | 3.5% | ||||||||||||||||||
| Finance Charges | 3.60% per month | 43.2% per annum | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You are a beginner
You want a low annual fee card
You are new to credit and want to build your credit score
You are comfortable maximizing rewards on Smartbuy
Eligibility Requirements:
Age: Min 21 yrs & Max 60 Yrs (65 for self employed)
Income for Salaried: Minimum Rs. 8,000
Income for Self-employed: ITR > Rs. 6 Lakhs per annum
Paisabazaar Review
What do we like about this card?
At a very low annual fee of Rs. 250, the card competes with an equivalent base cashback rate of 1% like popular cashback cards in the market—Cashback SBI, HDFC Millennia, Amazon Pay ICICI, and Flipkart Axis, among others. Though the accelerated benefits on the card are limited to Smartbuy, those who are familiar with the portal and do not mind sticking to it can well utilize the multi-dimensional benefits covering everyday brands and categories. In addition to a low annual fee, the waiver criteria on the card is also less at Rs. 50,000, making it a suitable option for beginners.
Pros
- Low annual fee
- Accelerated benefits on Smartbuy
- Decent base cashback rate
- UPI linked benefits on RuPay variant
Cons
- Benefits on Smartbuy can be restrictive for some users
- No basic travel benefits
- Redemption circled around PayZapp app
- Capping on cashback earning
Frequently Asked Questions
Everything you need to know about this credit card
You can apply for the HDFC Bank Pixel Go credit card through the PayZapp app.
Yes, you can earn cashback on insurance payments as per the base rate of 1% on the card. However, cashpoints on insurance transactions are capped at 2,000 per day.
The card offers a dining discount of up to 25% via Swiggy Dineout, capped at Rs. 300 per month.
Though UPI transactions fetch a 1% value back there are certain exemptions, such as P2P, P2PM, digital account opening, lending platform, cash withdrawal at merchant, cash withdrawal at ATM, ERUPI, IPO, Foreign Inward Remittances and Mutual Funds payments.
Yes, you can link your HDFC Bank Pixel Go RuPay credit card to third-party apps like Gpay, PhonePe, Paytm, etc for UPI linked credit card benefits.
Footnotes
- Exclusions from rewards program- fuel, wallet reload, rent, Government related transactions, EMI Transactions, Cash Advances and payment of fees & charges and outstanding balance.
- Minimum 500 PIXEL cashpoints are required for redemption.
- Pixel CashPoints are valid for 2 years from the date of accumulation.
- CashPoints are not applicable on transactions less than Rs. 100.
- The CashPoints earning on Insurance Spends will be capped at 2,000 CashPoints per day.
- Fuel surcharge waiver is not applicable on UPI payments.
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