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HDFC Bank
HDFC PIXEL Go FD Credit Card
Fd-backed
Cashback
1st Year Fee: ₹250* Plus Applicable Taxes
Entry-level
Low annual fee card
Cashback
5% back on Smartbuy
Dining
Up to 25% savings
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About HDFC Bank PIXEL Go FD Credit Card
HDFC Bank PIXEL Go Credit Card is an entry-level cashback credit card designed for consumers who are looking for rewards on regular spends. The card is available in both secured and unsecured variants. The unsecured variant is offered as the HDFC PIXEL Go Credit Card, while the secured version is issued against a fixed deposit (FD), making it suitable for consumers who are new to credit or want to build their credit history.
HDFC Bank PIXEL Go Credit Card issued against an FD of Rs. 15,000, with the credit limit going up to 90% of the FD amount. Cardholders can earn unlimited 1% cashback on eligible transactions, along with 5% cashback on SmartBuy purchases such as flights, hotels, instant vouchers, rail and bus bookings, capped at 500 CashPoints per month. The RuPay variant also offers 1% cashback on UPI spends, capped at 500 CashPoints monthly.
The cashback is credited as PIXEL CashPoints in the PayZapp wallet, where 1 CashPoint is valued at Rs. 1 for voucher redemption. The card also offers additional benefits such as up to 25% discount on partner restaurants through Swiggy Dineout and a 1% fuel surcharge waiver on eligible fuel transactions.
Cashback Benefits:
- Unlimited 1% cashback on all eligible transactions1-4
- 5% cashback on Smartbuy capped at 500 points every month
- Eligible spends- IGP, Flights, Hotels, Bus,Rail, Instant Vouchers, Apple Imagine Tresor
- 1% cashback on all UPI Spends, capped at 500 points monthly, with RuPay variant
- Cashback will be added to the PayZapp wallet as PIXEL CashPoints, redeemable for brand vouchers at a value of 1 CashPoint = Rs. 15
Other Features & Benefits:
- Up to 25% off on partner restaurants through Swiggy Dineout
- Joining fee waiver on spending Rs. 10,000 within 90 days of card activation
- Annual fee waiver on spending Rs. 50,000 or more in the previous year
- Up to 90% credit limit of the FD amount
- 1% fuel surcharge waiver at all fuel stations on minimum transaction of Rs. 400 & maximum transaction of Rs. 5,000, capped at Rs. 250 monthly6
HDFC Bank PIXEL Go FD Credit Card : Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 250 | ||||||||||||||||||
| Annual Fee | Rs. 250 | ||||||||||||||||||
| Forex Markup | 3.5% | ||||||||||||||||||
| Finance Charges | 3.60% per month | 43.2% per annum | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You are new-to-credit and want to build your credit profile by availing an entry-level credit card
You want to avail a card that offers unlimited cashback on every spends
You dine out frequently and want to avail discount on your dining spends
Paisabazaar Review
What do we like about this card?
HDFC Bank PIXEL Go Credit Card is suitable for individuals who are new to credit and want to avail a simple cashback card for everyday spends. It offers unlimited 1% cashback on eligible transactions and 5% cashback on SmartBuy. RuPay variant cardholders can also earn 1% cashback on UPI spends, also capped monthly. Cashback is credited as PIXEL CashPoints, where 1 point = Rs. 1 for voucher redemption. The card also offers dining discounts via Swiggy Dineout and fuel surcharge waiver, with a Rs. 250 annual fee waivable on spending milestones.
Pros
- Unlimited cashback on all eligible spends
- 5% cashback on Smartbuy
- Up to 25% off on partner restaurants via Swiggy Dineout
- Save up to Rs. 3,000 on fuel spends every year
Cons
- No travel related perks
- Cashback on UPI spends are capped at 500 points per month
- Redemption circled around PayZapp app
Frequently Asked Questions
Everything you need to know about this credit card
The secured variant can be issued against a fixed deposit starting from Rs. 15,000. The card’s credit limit can go up to 90% of the FD amount. For example, an FD of Rs. 20,000 may provide a limit of around Rs. 18,000.
Cardholders earn unlimited 1% cashback on eligible retail transactions. Additional 5% cashback is available on SmartBuy categories like flights, hotels, rail, bus bookings, and vouchers, capped at 500 CashPoints monthly. Cashback is credited as PIXEL CashPoints in PayZapp.
Yes, the RuPay variant offers 1% cashback on eligible UPI spends linked to the credit card. The benefit is capped at 500 CashPoints per month.
The card charges a joining fee and annual fee of Rs. 250 plus taxes each. The joining fee is waived if Rs. 10,000 is spent within 90 days. Annual fee waiver is available on annual spends of Rs. 50,000 or above.
Cashback is credited as PIXEL CashPoints in the PayZapp wallet. These points can be redeemed for brand vouchers, where 1 CashPoint equals Rs. 1 in redemption value. Redemption options are available directly through the PayZapp platform.
The card offers a 1% fuel surcharge waiver on transactions between Rs. 400 and Rs. 5,000, capped at Rs. 250 monthly. Consumers can also get up to 25% discount at partner restaurants through Swiggy Dineout, depending on merchant participation.
Footnotes
- Exclusions from rewards program- fuel, wallet reload, rent, Government related transactions, EMI Transactions, Cash Advances and payment of fees & charges and outstanding balance.
- Minimum 500 PIXEL cashpoints are required for redemption.
- PIXEL CashPoints are valid for 2 years from the date of accumulation.
- CashPoints are not applicable on transactions less than Rs. 100.
- The CashPoints earning on Insurance Spends will be capped at 2,000 CashPoints per day.
- Fuel surcharge waiver is not applicable on UPI payments.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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