M16S / HDFC Bank / HDFC PIXEL Go Credit Card
entry · cashback, upi, secured
HDFC PIXEL Go Credit Card
The HDFC PIXEL Go Credit Card costs Rs 250 a year, waived if you spend Rs 50,000 in a year. Its base return is 1%. Accelerated earn: 5% CashBack on eligible transactions via SmartBuy. The forex markup is 3.5%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 250+ GST
- Fee waived at
- Rs 50,000annual spend
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- HDFC Bank PIXEL Go and Play set 1.75% markup on rupee spends abroad, May 2026
From 20 May 2026 a markup fee of 1.75% applies to transactions in Indian currency at an international location or at merchants in India registered overseas. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank PIXEL Go and Play cap insurance points, end gaming points, Oct 2025
From 1 Oct 2025 CashPoints and Reward Points on insurance transactions are capped at 2,000 per month and online skill based gaming earns no CashPoints or Reward Points. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank PIXEL Go and Play finance charge set at 3.75% a month, Oct 2025
The finance charge on revolving credit and cash advances is 3.75% a month, 45% a year, excluding GST, marked as a new change effective 1 Oct 2025. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank PIXEL Go and Play add 1% fees on rent, fuel, utility, wallet, gaming, Oct 2025
From 1 Oct 2025 a 1% fee applies to rent, to fuel above Rs 15,000, to utility above Rs 50,000 a month, to education paid through third party apps, and to wallet loading and online skill gaming above Rs 10,000 a month. Caps are Rs 4,999 per transaction or per month. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 250 |
|---|---|
| Annual fee | Rs 250 |
| Annual spend that waives the fee | Rs 50,000 |
| Fee notes | Fees section of the product page: joining/renewal Rs 250 + taxes; joining fee waived on Rs 10,000 spend in the first 90 days; renewal waived on Rs 50,000 spend in the year. The page banner also says 'Enjoy your card Lifetime Free' without terms, which reads as a running offer. |
Rewards
| Reward currency | PIXEL CashPoints |
|---|---|
| Base earn | 1% CashBack on eligible transactions (page FAQ: unlimited); 1% on UPI spends on the RuPay card |
| Base return | 1% |
| Point valueunverified | CashBack is credited as PIXEL CashPoints, redeemable to the PayZapp wallet once 500 points accumulate; earlier data: 1 PIXEL CashPoint = Re 1 |
| Accelerated earn | 5% CashBack on eligible transactions via SmartBuy |
| Caps | Page FAQ: 1% cashback is unlimited; no cap printed for the SmartBuy 5%. UPI purchases on the RuPay Pixel card earn up to 500 points a calendar month (MITC). |
| Spends that earn nothing | Fuel, wallet, rent, government, EMI, cash advances |
| Points expiry | 2 years from accumulation |
| Reward notes | base_return_pct left at 1%: the 1% rate is on the page, the Re 1 point value is not stated there. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markupunverified | 3.5% |
| Fuel surcharge waiver | 1% on txns Rs 400-5,000, cap Rs 250 per statement cycle |
| Other freebies | Up to 10% off restaurant bills via Swiggy Dineout; EMI conversion in PayZapp; FD-backed variant available (limit up to 90% of FD) |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Salaried: age 21-60, income Rs 12,000 a month. Self-employed: age 21-65, ITR above Rs 6 lakh a year. FD-backed route: FD of Rs 15,000 to Rs 55,000, limit 90% of FD, no income proof or credit score, not for existing HDFC credit card holders. Applied for and managed in PayZapp |
| Fine-print notes | Fees: the product page prints Rs 250 with spend waivers and, separately, a 'Lifetime Free' banner; treat it as a Rs 250 card unless the offer is confirmed at application. Product page read 2026-10-12; forex markup, the rupee value of a CashPoint and the interest rate are not on it (aggregator quotes 3.6% a month, MITC default is 3.75%). Conflicts with earlier data (issuer page used): joining_fee/annual_fee: earlier value 0 (HDFC listing page said lifetime free); the product page fees section says Rs 250 + taxes with waivers at Rs 10,000 (90 days) and Rs 50,000 (annual), matching the aggregator | networks: earlier value Visa only; page says RuPay (digital) and Visa (physical) are both issued | reward_notes: earlier data said SmartBuy offers are not usable; page says 5% CashBack on SmartBuy | other_freebies: earlier data (HDFC listing) said 25% off via Swiggy Dineout; product page says up to 10%. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC PIXEL Go Credit Card?
- Rs 250 a year, before GST. It is waived if you spend Rs 50,000 in a year.
- Does the HDFC PIXEL Go Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the HDFC PIXEL Go Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC PIXEL Go Credit Card?
- Fuel, wallet, rent, government, EMI, cash advances