PIXEL Go Credit Card
A digital card run from PayZapp paying 1% CashPoints on eligible spends and on UPI (UPI capped at 500 a month), plus 5% on SmartBuy; CashPoints are spent in PayZapp; ₹250 fee waived on ₹50,000 of spend. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹250 plus GST Fee schedule |
|---|---|
| Annual fee | ₹250 plus GST Fee schedule |
| Annual fee waiver | On ₹50,000 of spend in the year Fee schedule |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| The joining fee is waived on ₹10,000 of spend in the first 90 days. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| UPI on the RuPay card | 1% cashback Product page | up to ₹500 a month Terms |
| Insurance | 1% cashback MITC | up to ₹2,000 a month MITC |
| All eligible spends | 1% cashback MITC | up to ₹15,000 a month MITC |
Paid as PIXEL CashPoints (1 CashPoint = 1 PayZapp CashPoint), moved to PayZapp from 500 points and spent on brand vouchers in PayZapp.
No rewards on
- Fuel, wallet loads, rent, government payments and EMI Terms
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹250 a statement cycle Product page
Also on this card
Quoted from HDFC Bank; not counted in the net value.
- 5% cashback on SmartBuy, up to 500 CashPoints a month Product page
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Salaried: monthly income of ₹12,000 Product page
- Self-employed: income tax return above ₹6 lakh a year Product page
Where HDFC Bank’s documents differ, and what is used
- Fee: the product page banner says "Enjoy your card Lifetime Free" and the HDFC listing tags it "Lifetime Free", but the fees page and the PIXEL MITC (7 Sep 2026) give ₹250 a year (joining fee waived on ₹10,000 in 90 days). ₹250 is used.
- Cap on the 1% category: the card terms (22 Dec 2025) say "Unlimited"; the PIXEL MITC (7 Sep 2026) caps it at 15,000 CashPoints a calendar month, which is used.
- Insurance cap: the card terms say 2,000 CashPoints a day; the PIXEL MITC says 2,000 a month from 1 Oct 2025, which is used.
The quotes behind the figures
24 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining/Renewal Membership Fee - ₹250/- + Applicable Taxes”
“Spend ₹50,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off .”
“Foreign Currency Txns % of Txn value *** 3.5%”
“1% Cashback on UPI spends”
“Spends beyond the Cashback capping of 500 shall not be considered for CashPoints posting.”
“Spends on All spends* 5% Cashback on SmartBuy Platform** 1% Cashback on UPI Spends*** CashPoints 1% 5% 1% Maximum CashPoints per cycle Unlimited 500 Points per month 500 Points per month”
“The maximum CashPoints that can be earned for PIXEL Play & PIXEL Go credit Cards under "1% unlimited Cashback across all other spends" product feature Category is 15000 CashPoints per calendar month.”
“e. W.e.f 1st Oct 2025 CashPoints / Reward points accrued for insurance transactions will have a maximum cap of 2000 per month.”
“1% CashBack on eligible transactions”
“CashPoints is not applicable on transactions less than 100.”
“* CashPoints will not be accrued for the following spends/transactions on the card, o Fuel Spends o Wallet Spends o Rent payments o Government related transactions o EMI Transactions”
“2) PIXEL Go - Fee: Rs. 250 + GST”
“Get a joining fee waiver by spending ₹10,000 within 90 days of issuance”
“The redemption of the CashPoints will be at the rate of 1 CashPoint = 1 PayZapp Cash points”
“Upon the accumulation of 500 PIXEL CashPoints, they can be redeemed easily to the PayZapp Wallet and used to purchase your choice of brand vouchers within PayZapp digitally.”
“The CashPoints for Insurance Spends will be capped at 2,000 CashPoints per day.”
“1% fuel surcharge waiver at all fuel stations across India on transactions of ₹400- ₹5,000. Maximum waiver of ₹250 per statement cycle.”
“5% CashBack on eligible transactions via SmartBuy”
“Age: 21 - 60 years”
“Age: 21 - 65 years”
“Income (Monthly) - ₹12,000”
“Annual ITR > ₹6,00,000”
“1% CashBack on eligible transactions 5% Cashback on SmartBuy Apply Now”
“For PIXEL Go, customer will get option to select billing cycle. The customer will be issued with both RuPay & Visa network cards with RuPay as a Digital Card and Visa as a physical plastic card”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology