HDFC Pixel Go — Rewards, Fees & Eligibility
A digital everyday card from HDFC Bank — 1% cashback on eligible spends, 5% on SmartBuy, and 1% on UPI with the RuPay variant. Managed entirely in PayZapp, with a secured FD-backed option for applicants who are new to credit.
Soft check — comparing won't affect your credit score.
The HDFC Pixel Go at a glance
Best for
Everyday spends
Joining fee
₹250 + GST
Annual fee
₹250 + GST
First-year fee
Waived on ₹10,000 spends in 90 days
Fees, rewards and eligibility are set by the issuing bank and can change. Approval, credit limit and card issuance are entirely the bank’s decision — RupeeQuik is a marketplace and does not lend. See our editorial policy.
Why choose HDFC Pixel Go?
Who can apply for the HDFC Pixel Go
- Salaried: 21–60 years, monthly income from ₹10,000
- Self-employed: 21–65 years, annual ITR above ₹6,00,000
- FD-backed variant: 18–65 years, salaried or self-employed
- The FD-backed variant is open to applicants new to credit or with a low CIBIL score
How to apply via RupeeQuik
1. Compare
See your eligible credit card offers with a soft check.
2. Choose
Pick the best-fit offer by total cost, not just the headline rate.
3. Apply
Finish on the lender’s page — your verified details carry over.
What this card costs you
- Pay in full and you pay no interest. Settle the total amount due by the due date and the interest-free period applies.
- Carry a balance and finance charges apply. If you pay less than the total due, interest is charged on the outstanding balance — and on new purchases from the transaction date, because the interest-free period is lost for that cycle.
- Cash withdrawals cost from day one. They carry a transaction fee and attract interest immediately, with no interest-free period.
- Late payment has its own fee, separate from interest, and missed payments are reported to the credit bureaus.
The applicable finance charge, fees and interest-free period are set by HDFC Bank, not by RupeeQuik, and can change. Read the card’s Most Important Terms and Conditions (MITC) and the schedule of charges on the issuer’s website before you apply — those documents, not this page, are the authority on what you will be charged.
Disclosure
HDFC Pixel Go and its associated marks are trademarks of HDFC Bank Limited. RupeeQuik is an independent marketplace. We are not a bank or an NBFC, we do not issue this card, and we do not approve applications — HDFC Bank Limited alone decides approval, the credit limit and whether a card is issued at all.
RupeeQuik earns a referral fee from its banking and NBFC partners when a customer successfully takes a product. This never changes what you pay, and it does not affect the terms HDFC Bank Limited offers you. See our editorial policy for how we keep that relationship out of our recommendations.
HDFC Pixel Go Credit Card — FAQs
What does the HDFC Pixel Go cost?+
A joining fee of ₹250 plus GST, and the same as an annual fee. The joining fee is waived if you spend ₹10,000 within the first 90 days, and the annual fee is waived at ₹50,000 of annual spends. The secured FD-backed variant is lifetime free.
Can I get it with no credit history?+
Yes — through the secured variant, backed by a fixed deposit from ₹11,000. Your credit limit is 90% of the FD and the deposit continues to earn HDFC Bank’s normal FD rate. HDFC states this route is open to applicants who are new to credit or have a low CIBIL score.
How much cashback does it actually pay?+
1% on eligible spends, 5% on eligible SmartBuy spends, and 1% on UPI transactions if you take the RuPay variant. One CashPoint equals ₹1. Category caps and exclusions are set by HDFC Bank.
Does applying through RupeeQuik affect my credit score?+
Checking your eligibility with us is a soft check and does not affect your score. A hard enquiry only happens if you choose to proceed and HDFC Bank processes a full application.
