HDFC BankHDFC PIXEL Go
Earn rewards and benefits with HDFC PIXEL Go.
Top Category Performance
Cashback (95/100)
Joining Fee
₹250
Annual Fee
₹250
Reward Rate (%)
1 – 5
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
24/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
HDFC PIXEL Go Benefits
HDFC PIXEL Go Rewards
How you earn back on every swipe
cashback
Reward type
1% – 5%
Earn rate
1
Points / ₹100
₹1
Per point
24 months
Point expiry
HDFC PIXEL Go Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Things to Keep in Mind
- foreign currency and cash withdrawals excluded from waiver calculations
- cash withdrawal transactions excluded from fee-waiver spend
- fuel surcharge waiver excludes GST reversal
Card Features
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹4,167/mo (₹50,004/yr), your ₹250 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
HDFC PIXEL Go Eligibility
Employment type
Pros & Cons
- Very low annual fee
- Easy annual fee waiver at ₹50,000 spends
- Unlimited 1% cashback on eligible retail spends
- 5% cashback on SmartBuy purchases
- Cashback on UPI spends with the RuPay variant
- Simple cashback structure with no category selection
- Fully digital card management via PayZapp
- Good entry-level card for first-time credit card users
- No airport lounge access
- High forex markup of 3.5%
- Accelerated cashback limited to SmartBuy
- Cashback is earned as CashPoints and managed through PayZapp
- No travel, golf, or premium lifestyle benefits
- No milestone spend rewards
- Rent, wallet loads, fuel, and several other transactions are excluded from cashback
- Better cashback cards are available for users seeking higher category-specific rewards
Quick Links
Data last updated 14 Aug 2026
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Calculate your exact earnings with HDFC PIXEL Go
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your guaranteed net return after annual fees.