LTF

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PIXEL Go Credit Card
Visa, RuPay 📡 Contactless NFC

PIXEL Go Credit Card

Joining Fee₹250
Annual Fee₹250
Forex Markup 3.5%

⚖️ Card Verdict & Target Persona

Who Should Apply

Gen Z and entry-level digital natives wanting an app-first digital credit card offering 1% UPI cashback and SmartBuy discounts at a low ₹250 fee.

Who Should Avoid

Users looking for physical metal cards or airport lounge visits.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

250 CashPoints upon payment of joining fee and completing 1 transaction via PayZapp within 30 days

5% Cashback via SmartBuy

5% cashback on shopping and vouchers through HDFC SmartBuy portal + 1% unlimited cashback on other retail spends.

1% Cashback on RuPay UPI

1% cashback on merchant UPI scan & pay transactions (RuPay variant, capped at 500 CashPoints/month).

Low Spend-Based Fee Waiver

Annual renewal fee of ₹250 is waived off on spending ₹25,000 or more in the previous anniversary year.

💰 Reward Structure & Point Valuation

1 Direct Cashback = ₹1
Standard Base Earning
1% cashback on other eligible retail and RuPay UPI transactions (1 CashPoint = ₹1.00)
Accelerated / Partner Rate
5% cashback on shopping and gift vouchers bought via HDFC SmartBuy portal; Up to 10% dining discount on Swiggy Dineout
Points Validity:24 Months
Redemption Fee: ₹99 + GST / cycle
Redemption Modes: Direct Statement Cash Credit via PayZapp (1 CashPoint = ₹1.00, min 250 points), PayZapp Merchant Checkout & Vouchers
🚫 No Reward Points / Cashback on:
Fuel Rent Payments Wallet Loads Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access
🛫
Domestic Lounge VisitsNone
🌐
International Lounge VisitsNone
⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹25,000/yr
Annual renewal fee of ₹250 is waived off on spending ₹25,000 or more in the previous anniversary year
UPI Payments Support✓ Supported (RuPay)
1% CashPoints on merchant RuPay UPI QR transactions (capped at 500 points/month)
Fuel Surcharge Waiver1% Surcharge Waived
1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria
Age Limit21 - 60 Years
Min. Monthly Income₹15,000
Min. Credit Score720 CRIF
Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)
Late Payment Penalties:Late payment charges slab-based up to ₹1,300
Official Bank Portal Application

Get the PIXEL Go Credit Card

Annual Fee: ₹250/yr (Waivable)

Apply Online Now →
Personalized Card Matcher

Still Confused About Your Best Match?

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🔍 Related Credit Card Collections

Best Credit Cards for 720 CIBIL Score LTF Cards for Salary Under ₹15,000 All HDFC Bank Credit Cards RuPay UPI Credit Cards Best Visa Credit Cards Best RuPay Credit Cards

Frequently Asked Questions

No, PIXEL Go Credit Card has a joining fee of ₹250 and an annual renewal fee of ₹250 (plus applicable taxes).
PIXEL Go Credit Card ₹250/yr
Apply Now →