HDFC Bank
HDFC Bank Pixel Go Credit Card
Annual Fee
₹295₹250 + GSTBase Reward
1% cashback
Foreign Markup
3.5%
Welcome Benefits
N/A
Product Highlights
- Unlimited 1% Cashback on all eligible transactions
- 25% discount on dining via Swiggy Dineout
- Joining fee waiver on spending ₹10,000 within 90 days
Fee Waiver
On Spends of ₹50,000 in a Year
Merchant-Specific Rewards
smartbuy
5% Cashback on SmartBuy Platform
Reward Calculator
Earns ₹2,705/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
3K
HDFC CashPoints
₹3K
via standard
Effective rate
1.92%
Annual fee
₹295
Year 1 net
+₹2,705
Year 2+ net
+₹2,705
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Excluded from rewards
fuel, wallet, rent, government, emi, cash advance, outstanding balance
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Unlimited 1% Cashback on all eligible transactions. 25% Dining Discount Via Swiggy Dineout.
Redemption
Cashback Against Statement
Benefits & Features
Domestic: N/A International: N/A N/A
Pros & Cons
Pros
- Reasonable fee of ₹250, waived by spending ₹10,000 in the first 90 days
- Unlimited 1% cashback on all eligible spends
Cons
- 1% cashback across all categories with no accelerated rates
- SmartBuy offers cannot be availed with this credit card
Additional Info
Pixel Cashpoints earned are valid for two years from the date of accumulation.
Cashback is not applicable on fuel spends, wallet spends, rent payments, government-related transactions, EMI transactions, and cash advances.
The card can be managed fully via the PayZapp mobile application.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹0.1L+
Self-Emp
₹6.0L+
Networks
Fee Waiver
On Spends of ₹50,000 in a Year