HDFC BankPIXEL Go
HDFC Bank ·
PIXEL Go
Joining ₹250 · Annual ₹250 · Waived on ₹50,000 of annual spends
Fee break-even: ≈₹25,000/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns CashPoints. PIXEL CashPoints redeem 1 to 1 against the statement inside PayZapp
Verified 13 Aug 2026Forex markup3.5%
EMI₹99 to ₹699 plus GST at a merchant, up to ₹849 plus GST converting a statement balance processing fee · HDFC's fee follows the merchant and the scheme rather than your card. Cancelling inside 7 days is free, after that pre closing costs 3% of the principal left plus GST.
Fuel surcharge1% waived between ₹400 and ₹5,000, capped ₹250 a cycle
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 1% | Base rate |
| Amazon | 1% | Base rate |
| Flipkart | 1% | Base rate |
| Subscriptions & OTT | 1% | Base rate |
| Offline spend | 1% | Base rate |
| UPI spending | 0% | No RuPay variant is published, so UPI linking is unavailable |
| Dining | 1% | Base rate |
| Swiggy | 1% | Base rate |
| Zomato | 1% | Base rate |
| Groceries | 1% | Base rate |
| Quick commerce | 1% | Base rate |
| Swiggy Instamart | 1% | Base rate |
| Blinkit | 1% | Base rate |
| BigBasket | 1% | Base rate |
| Movies & shows | 1% | Base rate |
| BookMyShow | 1% | Base rate |
| PVR INOX | 1% | Base rate |
| Fuel | 0% | Fuel earns nothing, a surcharge waiver stands in |
| Travel (general) | 5% | 5% on SmartBuy bookings, HDFC's usual monthly SmartBuy caps apply |
| Flights | 5% | Uses its travel rate |
| Hotels | 5% | Uses its travel rate |
| MakeMyTrip | 5% | Uses its travel rate |
| IRCTC rail | 5% | Uses its travel rate |
| International | −2.5% | 1% reward − 3.5% forex markup |
| Utilities & bills | 1% | Base rate |
| Rent | 0% | Rent earns nothing |
| Education fees | 1% | Base rate |
| Insurance premiums | 1% | Base rate |
| Government & tax | 0% | Government payments earn nothing |
| Wallet loads | 0% | Wallet loads earn nothing |
| Anything else | 1% | Base rate |
| Jewellery | 1% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- Digital onboarding, controls and statements all live in PayZapp
What we liked
- A flat 1% with none of the point conversion games
- ₹250 with a soft ₹50,000 waiver
- Fully digital onboarding and control through PayZapp
What to mind
- 1% is the ceiling outside SmartBuy
- Living inside PayZapp is the whole experience, love it or leave it
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.
- https://www.hdfc.bank.in/credit-cards/pixel-go-credit-card
- https://www.hdfc.bank.in/credit-cards/pixel-go-credit-card/fees-and-charges