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HDFC Bank
Pixel Go
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HDFC Bank

HDFC Pixel Go Credit Card

★ 4.0 / 5 ⓘ How we rate

Simple 1% cashback on everything, including UPI

✅ Verified Oct 2026 from HDFC Bank's official terms →

Joining: ₹250Annual: ₹250🎁 1% – 5% cashback
Apply Now — it's free → 🔒 You'll apply on HDFC Bank's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

♾️
1% unlimitedon all eligible spends
🛒
5% on SmartBuyHDFC's shopping portal
📲
1% on UPIRuPay variant
👤
Perfect for

First-time card users who want easy, no-fuss cashback

Key benefits

  • 1% unlimited cashback on eligible spends
  • 5% cashback on HDFC SmartBuy
  • 1% cashback on UPI spends (RuPay variant)
  • CashPoints worth ₹1 each via PayZapp
  • FD-backed version available if you have no income proof (FD from ₹15,000)
  • 1% fuel surcharge waiver
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • Low fee, easy to waive
  • Works on UPI
  • FD option for new-to-credit users

Good to know

  • SmartBuy and UPI cashback capped at 500 CashPoints/month
  • No category bonuses
  • No lounge access

Quick facts

Fee waiverJoining fee waived on ₹10,000 spend in 90 days; annual fee on ₹50,000 yearly spend
Lounge accessNone
Min. income₹20,000/month (or FD-backed)
Age21 – 60 years
Credit score700+
NetworkRuPay / Visa
Forex markup3.5%
Joining fee₹250 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup3.5%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • No cashback on fuel, rent, wallet loads, government payments
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

Read official bank terms (MITC) ↗

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❓ HDFC Pixel Go — common questions

Is the HDFC Pixel Go Credit Card lifetime free?

No. It has a joining fee of ₹250 and an annual fee of ₹250 (plus 18% GST). Joining fee waived on ₹10,000 spend in 90 days; annual fee on ₹50,000 yearly spend.

What rewards does the HDFC Pixel Go Credit Card give?

1% – 5% cashback. 1% unlimited cashback on eligible spends.

Who is eligible for the HDFC Pixel Go Credit Card?

Minimum income: ₹20,000/month (or FD-backed). Age: 21 – 60 years. Credit score: 700+. Final approval is decided by the bank.

Does the HDFC Pixel Go Credit Card give airport lounge access?

No, this card does not include airport lounge access.

What is the forex markup on the HDFC Pixel Go Credit Card?

3.5% on foreign currency spends (plus GST).

Who should get the HDFC Pixel Go Credit Card?

First-time card users who want easy, no-fuss cashback.

Explore💸 Cashback Cards📲 UPI Credit Cards🌱 First Credit Card🔷 HDFC Bank Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

HDFC Bank Pixel GoApply in ~5 min
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