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Independent card analysis

HDFC Bank PIXEL Go Credit Card

HDFC Bank · Visa + RuPay · Entry card

A low-cost, app-managed card with simple cashback and an accessible fee waiver.

Best suited to

Digital-first users seeking a low-fee HDFC card with optional RuPay UPI support.

Authored and reviewed by GainFair
Terms checked 23 Sept 2026
Annual fee
₹250 + GST
Joining fee
₹250 + GST
Base reward rate
1%
Forex markup
3.5%

Reward rates by spending category

Published catalogue rates before caps and merchant-category exclusions.

CategoryRecorded rate
Online shopping
1%
Groceries & essentials
1%
Dining & delivery
1%
Travel & hotels
1%
Bills & utilities
1%
Beauty & wellness
1%
Entertainment & movies
1%
Education & family
1%
Healthcare & pharmacy
1%
Subscriptions & streaming
1%
Offline store shopping
1%
International spending
1%
Gold & jewellery
1%
Insurance premiums
1%
Other miscellaneous
1%
Fuel & commute
0%
House rent
0%

Caps and fee waiver

Reward caps
SmartBuy CashPoints: ₹500/month · RuPay UPI CashPoints: ₹500/month · Ordinary CashPoints: ₹15,000/month
Annual fee waiver
At ₹50,000 annual spending
Monthly income requirement
Approx. ₹12,000/month salaried · ₹50,000/month self-employed

Airport lounge access

No complimentary airport lounge access recorded

Benefit details

Benefits & conditions

Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.

Rewards and cashback · 5 items

  • Eligible SmartBuy cashback

    Usage-based value

    5% CashPoints on eligible IGP, flight, hotel, bus, rail, instant-voucher and authorised Apple-reseller SmartBuy purchases.

    Conditions: 5% CashPoints on eligible IGP, flight, hotel, bus, rail, instant-voucher and authorised Apple-reseller SmartBuy purchases.

    Status: verifiedReviewed: 2026-09-23Official source ↗

  • RuPay merchant-UPI cashback

    Usage-based value

    1% CashPoints on eligible RuPay merchant-UPI transactions of at least ₹100.

    Conditions: 1% CashPoints on eligible RuPay merchant-UPI transactions of at least ₹100.

    Status: verifiedReviewed: 2026-09-23Official source ↗

  • Other eligible cashback

    Usage-based value

    1% CashPoints on other eligible purchases of at least ₹100.

    Conditions: 1% CashPoints on other eligible purchases of at least ₹100.

    Status: verifiedReviewed: 2026-09-23Official source ↗

  • 1% cashback on eligible card and RuPay merchant-UPI purchases

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗

  • 5% cashback on eligible SmartBuy categories, capped at ₹500 monthly

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗
Fees · 2 items

  • Annual card fee

    Cost ₹250

    ₹250 annual fee before applicable tax.

    Status: verifiedReviewed: 2026-09-23Official source ↗

  • Joining fee

    Cost ₹250

    ₹250 one-time joining fee before applicable tax.

    Status: verifiedReviewed: 2026-09-23Official source ↗
Fee waiver · 1 item

  • Annual fee waiver

    Usage-based · up to ₹250

    Annual fee may be waived after ₹50,000 of eligible annual spending.

    Conditions: Reach ₹50,000 eligible annual spending

    Status: verifiedReviewed: 2026-09-23Official source ↗
Dining · 1 item

  • Up to 10% current Swiggy Dineout savings under offer terms

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗
Foreign-currency charges · 1 item

  • Foreign-currency markup

    Usage-based value

    3.5% foreign-currency markup before applicable tax.

    Conditions: Applies to eligible foreign-currency transactions

    Status: verifiedReviewed: 2026-09-23Official source ↗
Eligibility and availability · 1 item

  • Application eligibility

    Shown without a cash value

    Application availability: open. Published minimum monthly income: ₹12,000. Self-employed applicants need annual ITR above ₹6 lakh.

    Status: verifiedReviewed: 2026-09-23Official source ↗
Other benefits · 3 items

  • 1% fuel-surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250 per statement cycle

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗

  • Joining-fee waiver at ₹10,000 in 90 days and renewal waiver at ₹50,000

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗

  • Low ₹12,000 salaried monthly-income threshold

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-23Official source ↗
Other categories (11)

These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.

What stands out

  • ✓ 1% cashback on eligible card and RuPay merchant-UPI purchases
  • ✓ 5% cashback on eligible SmartBuy categories, capped at ₹500 monthly
  • ✓ Joining-fee waiver at ₹10,000 in 90 days and renewal waiver at ₹50,000
  • ✓ Low ₹12,000 salaried monthly-income threshold

What to watch

SmartBuy and UPI each have separate ₹500 monthly caps; ordinary cashback has a ₹15,000 monthly ceiling. Transactions below ₹100 and multiple regulated categories earn nothing.

Recorded exclusions

Fuel Commute · Rent · Wallet load · Gift cards · Prepaid cards · Vouchers · Government payments · Emi · Cash withdrawal · Balance transfer · Fees charges

How GainFair evaluates this card

The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.

Ask the advisorApply ↗Read the methodology

Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.

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Issuer sources

Open the sources used for this card's product details, rewards, fees and eligibility.

Product, Eligibility ↗Rewards ↗Fees ↗

Sources checked 23 Sept 2026